My Claim rejected on the basis of NCB. Bharti AXA said I have taken benefit of NCB. However I have not taken any benefit out of it. I presented my old policy and explained my claim with old insurer HDFC ERGO. Sale person has issued me new policy with-out given me any NCB discounts. As per Cover latter I haven’t get any discount of NCB.

Bharti AXA should process my Claim as their Sales person has calculated the amount and did some mistake. Why should I penalize for their mistakes.

This is regarding my claim number – C0065911 on policy number - I0153340
1. My Car UP78 AW 7983 met with an accident on 8-Nov-2010.
2. Claim File on 15-Nov-2010 by Hyundai workshop Panki, Kanpur
3. Claim Number C0065911 got approved on 20-Nov-2010 by surveyor Rajesh.
4. Surveyor changed by Bharti AXA and new surveyor RK Singh started negotiations on Cash Lose for Rs. 1.3 Lakh.
5. On 21-Dev-2010 he gave approval for repairs of vehicle to Hyundai Workshop Panki, Kanpur. However he explained my part Rs. 70K approx and rest Bharti AXA will cover in insurance.
6. Hyundai started working on vehicle on 22-dec-2010.
7. On 31-Dec-2010, Bharti AXA sends a letter stating that my NCB declaration is wrong and old insurer HDFC ERGO had a claim hence claim may not processed. after 45 day they identified that the policy issued by them is not proper as their Sales team sold me policy and calculated wrong amount on NCB. I remember sales person has not given any No claim Bonus on policy, [please see the attached cover note from Bharti AXA and old insurer HDFC ERGO.]
8. On 3-Jan-2011, I called Bharti AXA complaint cell and they have issued a letter for correction on NCB shortfall by Payment of Rs. 1230 by dtd 19-Jan-2011.
I called up again and asked for payment, but then they said > ““The vehicle needs to be inspected & after inspection if the vehicle is recommended for Insurance then we can accept the NCB amount”
9. I replied them for inspection and provide the Vehicle location.
10. Since then I followed more than 6 times, but no reply.
11. 19-Jan-2011 passed
12. and on 2-Feb-2011, Bharti AXA replied that Policy got expired and they will not process any claim