Nov 24, 2020 10:28 PM
1666 Views
Vehicles insurance is mandatory and we have to go for vehicle insurance before coming on the road. When customers have to come to the insurance companies, the companies must ensure proper verification of papers and antecedents of the vehicles and the party to be insured. Not only this, they should also help the consumers in distress and should not harass them. But when question comes for honoring the claim, 90% companies fail in this regard and start harassing the consumer on one point or the other with basic purpose to refuse the claim or extract extra money. IFFICO TOKIO IS NOT AN EXCEPTION BUT MUCH AHEAD IN THIS REGARD. IT DOES NOT BELEIVE EVEN ITS OWN VERIFIED DOCUMENTS AND PUSH THE CONSUMERS TO ANY LEVEL BY STOOPING LOW AND EVEN LOWEST. My car is insured with them for the last two years starting 29th Dec. 2018. They were provided all the necessary information and I bought comprehensive insurance with 20% NCB in 2018 itself. There was no problem till 8th Oct. 2020 - almost 21 months after the insurance - i.e. the day I filed a claim. Now suddenly out of a blue, they dug out that I had made a wrong declaration about NCB in 2018 as I had a claim on 13th July 2018 during the year 2017-18 and had not declared so. On my challenging, they forwarded me a web shot having two entries of claims. Surprisingly the shot showed two entries of a vehicle HAVING SAME REGISTRATION NUMBER BUT DIFFERENT NUMBERS OF ENGINE AND CHASSIS. Any professionally elite agency should have rejected this entry knowing fully well that THERE CAN NOT BE TWO VEHICLES ON THE ROAD WITH SAME REGISTRATION NUMBER. Had there been engine and chassis numbers too the same, only then both the entries would have been valid. NOW First entry was for my vehicle for claim on 24th June 2017 for the year 2016-17 by Bajaj Allianz, which I had already declared and as such is correct. But second entry for 13th July, 2018 for the year 2017-18 is wrong on following grounds: -
This entry is on behalf of HDFC with which my vehicle has never been insured including 2017-18
My vehicle was insured with TATA AIG for the year 2017-18.
I had not filed any claim with them in 2017-18 least on 13th July, 2018. They had confirmed so through mail and I had forwarded this mail to Iffico Tokio. 3. As explained earlier above, the engine and chassis numbers do not match. 4. The engine and chassis numbers for my vehicle are there in the first entry as well as with Iffico Tokio. They can verify the correctness of the second entry after comparing with the details in the first entry and the details with Iffico Tokio. 5. On 13th July 2018, the day claim has been alleged, I with my family was abroad(9th July 2018 to 3rd Oct. 2018) and my house as well as my vehicle were locked within my residential premises. 6. Even indirectly agree that my NCB claim was correct for the year 2018-2019 and is wrong only for 2019-20, for which they had extorted extra 5% premium by harassing me, charging me for a fault which I have not committed and doubted my integrity for a petty amount. 7. M/s Krish Motors from whom I had purchased the vehicle on 29th Dec. 2013 and is still with me has also confirmed that there was no claim on the vehicle after 24th June 2017 . Hence endorsing that there was no claim on my vehicle on 13th July, 2018. 8. They can also verify the details of vehicle from IRDA site. But iffico Tokio is not responding to my request for refund of extra premium extorted from me. Due to their intransigent behavior, obstinate stand, harassing the consumer, branding him as dishonest, extorting extra premium, relying on a completely wrong entry, not verifying from the factual position submitted to them and from the verified documents in their own possession, I had complained to Ombudsman IRDA, Transport authority of Delhi, Police etc. I hope this bankrupt, unprofessional and anticonsumer company will realise their folly and mend their ways.
