I took an insurance from Tata AIG GEN Insurance, in which my house, theft and electronic items were covered, My microwave was also covered, I have several insurance from several companies but never filed any claim because never needed it, recently My microwave got dismantled by some electric short circuit and as it was covered under their insurance, I got it repaired and applied for claim, See what they say after having a talk with the call center and informing them :
the damage to the Microwave occurred on 05.12.09 and you have also got the same repaired from the repairer on 08/12/09.Kindly note that the claim has been reported to us on 16.12.09 i.e. after a gap of 11 days from the occurrence of the damage & 8 days after getting the same repaired. Thus we find that the Policy condition-3 has not been observed & fulfilled which is stated as under.
And their condition was, I had to inform them via registered post within 7 days, the call center guy never told me this clause and I think no body ever in India or world reads all the clauses before taking insurance.
the call center guy filed my claim and told me to send documents, if they knew its more than seven days why did they asked for documents and I put in all the labor finding original bills couriering them documents and after that they sent me this crap email.
Beware guys " DO NOT TAKE TATA AIG GEN Insurance ", You will never be able to fill their clauses when any accident occurs, this is bull shit.
Its time to awake dont waste your hard earned money like this.
regards
Gaurav
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