Millennium Post

Reliance Gen Insurance told to pay Rs 50K for poor service

Forum President Umesh Jhavalikar and Member N D Kadam in their order ruled that the proposal-cum-cover note itself is sufficient to prove that the policy is effective from the date of issue till the validity and the client is eligible for benefits under the policy.

The case relates to one Paresh S Mhatre, a resident of Rahnal village in Bhiwandi taluka, who had taken the policy from the company representative by issuing a cheque for Rs 961 on February 22, 2008 for his two-wheeler. He was issued a proposal cum cover note No: 2000701483590 on that day by the representative and the policy was effective for one year from that day.

According to the complainant, he followed up with the company for the policy documents which he never received and the company also did not not bother to reply to his queries. Meanwhile on April 3, 2008 he met with an accident and his two-wheeler was damaged.

He had to incur expenses of Rs 14,200 for the same. He lodged an insurance claim for the same. The company sent its surveyor and asked him to submit his original bills of repair.

Later, the insurance company rejected his insurance claim and informed him that it cannot be sanctioned  as the cheque issued by him was misplaced and the representative was not employed with them anymore.  Aggrieved by the reply of the company and refusal to honour his claim, the complainant filed a claim for Rs 82,000.
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