Tata AIG Insurance — unjustified claim settlement being offered

Address:	New Delhi, Delhi, 121002
Website:	www.tataaig.com

While buying tata aig's insurance, i was provided with such auspicious benefits by their agent, one of which was hassle free claim policy. I bet, this was my first claim settlement with tata aig & the word "free" from hassle free claims seems missing.

It was a sad saturday (09th june'18) for me when a fellow driving a sugarcane vehicle (Wrong side) bumped into my vehicle head on.. My bumper got damaged, fender side / bonnet got slight bends & front glass too broke due to this impact when his worthless fancy vehicle accessories fell over my windshield.. With god grace, there was no damage caused to any human life!

Having said above, i had a relief of having my vehicle (Hyundai elite i20) insured from tata aig with zero dep policy. However, i did not knew that it will be a real pain in getting this claim settled from tata aig.

Vehicle was sent to authorized hyundai service center the very next day, ie, on 10th june'18 for getting it repaired under my insurance policy. All the documentation work was provided by me on the same day & i was informed on surveyor's visit which would take place the next day. Surveyor did his visit & inspected the vehicle in my absence since i was in my office & cannot afford to take leaves for such instance. After the survey was conducted, i was informed by the workshop team that surveyor has not passed complete claim & is allowing only for the replacement of front window glass. I do not understand, when a vehicle collided head on & first impact was caused on front bumpers, how can the surveyor reject my claims for repair of bumper, fender & bonnet alignment? Is this damage not covered under my zero dep policy!!

I requested the workshop manager to speak with the surveyor once again as i need to get the damages repaired completely! But all in vain, another day wasted!

Tata aig's surveyor did not even take the pain to call customer (Me) once to detail his survey so i decided to take the contact details of surveyor from workshop & call myself.

When i spoke to your surveyor, the blunt reply was, "sir, i have already passed your claim but only for front glass since your bumper had scratches from previous small impacts due to which he cannot approve bumper claim" this statement made me re-think twice then what is the zero dep policy all about & am i a victim of mis-selling? Tata aig cares for scratches but ignores the fact that vehicle's bumper has almost detached from the body, has bends & hairline cracks due to this impact... On cross questioning for almost 15 mins, i was offered with another solution by the surveyor, ie, to open another claim file for which i have to pay file charges twice now & also will not get any other zero dep insurance till the expiry of my policy (Well played trump card to bag more money from a customer's pocket & abiding from future claims). By this way, i will get my bumper & other works also claimed, how idiotic is that?

My car is sitting idle at workshop from past 4 days despite the fact that this car is very much needed at home for daily operations. But the claim procedures at tata aig is ensuring that the car sits there comfortably for another 5-6 days & their customers get harassed by such surveyor quoting unjustifiable reasons & rejecting the claims.

I even took the case to their higher management over phone and emails but nothing proved to be fruitful. They intend not to release claims as what i can sense from their attitude. I also warned them on escalating this case to irdai but they seem least cared. Below are some of the details of the claim which i can share here:

1. Vehicle model & make - hyundai elite i20 (2016)

2. Tata aig surveyor - mr pk yadav (+91 [protected])

3. Claim number as provided by workshop - [protected]a