Toyota — unethical response regarding insurance provided by toyota

Address:

Heritage Toyota Ratu Road Kamre Ranchi, Ranchi, Jharkhand, 834001

I have Purchased vehicle from Heritage Toyota Ranchi, and at the time of Purchasing Vehicle, i had tried to convey him that i will take vehicle insurance from outside or online with my own choice...But They had denied for this and given me insurance of his own choice...and said that this insurance covers everything of your vehicle for one year...

They had charged Rs 36792 for this policy...when i quote same policy online... with same feature..than we get it on 5000 to 6000 Rs less than the amount charged by them...So customers are cheated at this point by dealer...

Surprisely, My vehicle met with an accident one day...and i had given vehicle to Heritage toyota ... They had initiated claim process and some minor work has been done by insurance claim... They had told me that there is some problem in your engine which is to be repaired or replaced and insurance company had rejected your claim against engine work as it is not covered under policy...