A big cheat by the insurance company

Hi team,
My father own a Hyundai Eon car in Patna(Registration No – BR-01-BT 5602) which is insured with the company(Policy number – HFA40922) on Aug 13, 2013. However, due to accidental damage to my car, we had filed a claim for the same. The claim number is CV384076. But unfortunately, We had to face an extremely rude behaviour from the surveyor(Amiya Kumar – Mobile: 9386037760) which later he refused to approve the claim due to his expected monetory favour from us. After registering the grievance with grievance redressal agencies, I received two calls from the insurance company. the below are the gist of the two calls:
1st call – In the first call, the Customer Service Official Mr. Avinash Narvekar said that the claim Was not rejected by the surveyor and and he iterated that the claim was not processed because it was withdrawn by the customer(which was really not the case because my father took back the vehicle because of the illegal monetary demand followed by rude treatment by the surveyor). Post the call(the call was disconnected), a vehicle withdrawal letter was forwarded to me which they termed as claim withdrawal letter which we provided to the hyundai staff for taking back our vehicle. When we tried to investigate the authenticity of the withdrawal letter, the Krish hyundai service centre senior staff(Mr alok – mob: 93862527340) refused to even accept that the vehicle ever entered in their service centre in this year(the vehicle was in the service centre for 2-3 days).

2nd call: In the 2nd call, the Customer Service Official Mr. Avinash Narvekar & Claim Official Mr. Abhishek Bhushan said that the the claim was rejected because they considered it as wear and tear damage. When I pointed out that any wear and tear damage could not make an open ended hole in the door and bumper of a 6-7 month tenured car, then they coined one metal rust story and said that the rust deposited is not equal for all damages(they referred to one wear and tear Scratch below the body of the car which might have been due to the low ground clearance of the car and which was not even noticed by us because it was in the bottom of the car. During the call, the Claim Official Mr. Abhishek Bhushan accepted that they received the copy of the vehicle withdrawal letter from the hyundai service centre. Then the call was disconnected. Two days back, I received an email stating that they will consider only two damages(they ignored the heavy damages to the car i.e. the hole in the bumper and the door).

The whole incidence is enough to make anyone stranded because the insurance companies are be-fooling customers and they are doing all kinds of unethical things; like in this case,

1. My father was demanded bribe

2. Vehicle withdrawal letter was shown as claim withdrawal letter

3. Accidental damage is considered as wear and tear damage

4. The accidental damage is rejected after comparing it with the a wear and tear damage

In the above incidence, the Krish hyundai is also supporting this cheating beacuse they are denying any entry of my car to the service centre and any withdrawal letter received thus refraining themselves from answering any query.

Anyone who encounters this kind of incidence will wonder how IRDA can provide licence to this kind of company, how a reputed giant Hyundai can allow marketing to this company through them and how these companies keep looting and be-fooling the customers just because they are not being monitored or don’t take any customer grievance redressal agencies seriously?


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