Complaint Details

Status	:	Closed
Complaint No	:	0002729/2012
Category	:	Insurance
Date	:	23-12-2012
Subject Line	:	Complaint against Bajaj Alianz Insurance for the refusal of Theft car insurance claim
Complainant	:	Pradeep Kumar Sharma
Address	:	C401 Shreeji Enclave CHS Kharghar NaviMumbai
Complainee	:	Bajaj Allianz General Insurance
Address	:	Rustamji Aspire Building 3rd Floor Everard Nagar2 Next to Apex Honda Showroom Off Eastern Express Highway Near Priyadarshani Circle Chunabhatti Sion Mumbai

Complaint Details
Claim Intimation No.- OC-13-1901-1801-00010650
I have purchased a second hand car 5months back from Deepmotor, Vashi, but the car was stolen with in 12days of the purchase. In this short period car was not registered on my name, not even papers were sent to RTO office, just papers were ready & going to be submitted. I made FIR and after some time I mailed to the Police commissioner Navi Mumbai for help but car not found. Then after some time I received the RTO reply for its theft. Also I closed the car Loan by taking another Personal Loan since Insurance company asked for the documents which were with Bank. After this I submitted all the documents & both the original keys of the car to the Bajaj Alianz representative Mr. Anand/ Mr shereesh.
Now four weeks back a reply has come that they cannot process the claim since A) to me (current owner- Pradeep Kumar Sharma) I didn't have a valid Insurance-Contract with them & B) to original owner (Mr Mafatlal J Shah) that MR M.J.Shah didn't have Financial/ Insurable Interest. Note:- Mr M.J.Shah has intimated & claimed for the insurance on behalf of me on humanitarian grounds to help me out from this crisis, he didn't have any legal interest in it.
Noted Facts (for which I have all the proofs) :- A) Car was fully insured at the time of theft. B) Car was theft/ Stolen proof's C) Car was finally purchased by me D) Car paper transfer was signed (by the original owner & current owner), ready and going to be submitted to RTO.
Can anybody help me in this regard.

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