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18%
1.14 

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India
You have to go back and forth to get your claims
Jan 12, 2017 12:40 PM 11957 Views

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I am from Chennai and I have a universal Sompo car insurance as part of Honda assurance. Things looks green with Honda assurance(where you pay a premium price for car insurance compare to what is available in Market) when they ask you to enroll in their insurance, The real problem starts when you start your claim processing. Due to this cyclone in Chennai where the trees were cut all over the roads. I ran into cut tree branch that was fallen on the road. It Car got stuck and I reversed where a scooter guy try to get into the narrow path left between my car and the road creating scratches on my Car side door. I filled my Claim and gave that to the person who came to pick my car for repair. I noticed that the twigs of the branches on the road also damaged my engine guard(a plastic cover to cover the engine from bottom of the car) I told Honda person to include that in my claim. 4 days when I got a call that car was ready for pick up and I asked them what was done(they engineer said the scratches on the doors are repaired. and he said the engine guard was not included(since the person who took care of my car left and some one took over from him) I resubmitted my claim based on the advice from the Honda and insurance person and the insurance rejected my claim stating we cannot provide multiple damage. I asked them to show in policy. Then they said I need FIR copy and explained it is because of the tree branches on the road due to cyclone. I am not sure what kind of insurance process people I am dealing with. If FIR copy is needed they should have said in the first place, which they did not. they were trying to minimize the claim. When I bought the insurance they said you do have to fill the claim form that is it and every thing will be taken care. Believe me they showed me nightmare, the amount of stress I went thru was immanence. I was out station and I have to be on call with Claim survey officer, Claim officer, sales head zonal head. I have to claim the entire sales and claim agents hierarchy to make my claim approved and that too after pressure from Honda assurance Insurance sales person.


So guys first of all do not go for Honda assurance with Universal Sompo. You pay premium price and you get cheep insurance service. I went to Honda Assurance for the hassle free, now I came to know with hard experience it is actually free hassle. which made me to spend my time to write this review.


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