Complaint Details

Status	:	Closed
Complaint No	:	0006815/2013
Category	:	Insurance
Date	:	17-10-2013
Subject Line	:	Repudiation of claim based on flimsy grounds. Policy No.: 165888-01 (SBI General Insurance)
Complainant	:	Usha Khemka
Address	:	#201, Kalpatharu Dollars Park, 66 AECS L/O, RMV 2nd Stage, 8th Cross, Nr. RMV Hospital
Complainee	:	SBI General Insurance
Address	:	#3/1, Rukmini Towers, Platform Road, Opp. Mantri Mall, Sheshadripuram

Complaint Details
Respected Sir/Mam,

I would like to bring to your notice the malpractices that Insurance companies follow in order to deny claims to their unaware and faithful customers. We had applied with SBI General in the year 2012-2013 and renewed the policy again for the period 2013-2014. The insured is Mrs. Usha Khemka and the vehicle number is KA04MH9904.

We registered a claim on 05/09/2013 for the damages which were caused to the car on 13/02/2013 because the insured was unavailable in town. They repudiated the claim citing delay in intimation. I provided a letter from the High Grounds Traffic Police station to SBI General which proved my claim is genuine and valid. And yet, my claims were denied due to delay in intimation.

I am attaching a circular from IRDA vide circular no: IRDA/HLTH/MISC/CIR/216/09/2011 dated 20.09.2011 which clearly states that no claims shall be denied if the intimation of claims are delayed. Also, it states that the claims shall be judged on merit. It also states that the claims shall be denied only if they would have been denied had it been intimated in time. I am forced to write this mail today as i have not received suitable compensation from the SBI General Insurance or the Insurance Ombudsman (Ref: Mail dated 12/09/2013).

A damage was caused on 13/10/2013 again and was intimated to the Insurer immediately. After assessment of the vehicle they told me that the claims can be passed only upto 60% as a damage has occurred on previous damage. The earlier damage should have been paid for and repaired by the insurer in first place. Therefore, i am on the receiving end of injustice again. The supreme court also has time and again reiterated that justice shall not be denied due to technical faults.

I have paid a premium to the insurer to insure my vehicle for a period of one year and if they are going to cheat the customer like this and repudiate claims on flimsy grounds, the whole purpose of the insurance is defeated.

Therefore, I pray before the Insurance Regulatory and Development Authority to look into the matter and solve it on a priority basis as we have been facing a lot of injustice.

Documents Attached:
1. IRDA Circular
2. Repudiation Letter
3. Receipt of car
4. Estimation Document of the Earlier Claim
5. High Grounds Traffic Police Station

Regards,
Usha Khemka
C/O Kalpak Khemka,
Ph: +919900288424

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