I have purchased Private car Package Policy from bajaj Allianz General Insurance Co. Limited having Policy No OG-13-2430-1801-00000366 on 9th August 2012.
I sent my vehicle No WB 02 Q7782 on 4th of September to Ganges Ford for accidental repair. The Bajaj Allianz surveyor surveyed and accepted the claim and accordingly the repair work started.
The Ganges Ford raised a bill of Rs 6280. The detail is as under:
Cover Protector 88.11
Painting - Body panel 5500
Labour Total 5500
Parts Total 88.11
Service tax on labour 12.36% 679.8
Value added tax 13.5% 11.89
Total payable 6280
The Bajaj Allianz has considered 70% of labour charges of Rs 6180 as parts and accordingly deducted 50% as depreciation and not paid Rs 2163 which is against the agreement entered with the Bajaj to indemnify all accidental losses as the terms. The term does not specify any deductions on labour charges. However, the BA has done so which is against the said agreement. The matter has been referred to the relevant officials however they are refusing the payment.
The aforesaid deduction is illegimate and not bonafide as per the terms of the agrrement. The Ganges Ford who repaired the invoice of labour Charges on which they added Service tax. Had they have treated as parts they should have charged VAT as per West Bengal VAT Act. As the repairing done by the Ganges Ford is nature of labour charges, the Insurer cannot treat this as parts.
In viw of the above we request you direct the BA to compensate the full amount without any deduction.
S. K. Gupta