Recently my car underbody got damaged which hit by a stone. I give my car in Varun motors for the claim. My car is 2 years old(new) and I have zero dip insurance from HDFC ERGO. Initially, HDFC ERGO guys were mentioned the damage is not covered under insurance because it was happen 20days back you have to give for a claim within 10 day only. I mentioned it was not big damage and this will not cause for any further damages when the time of the incident I was at my home town when I came back to the city I gave for the claim. Their response is, we have terms and conditions we cant provide a claim for this damage for further clarification please talk to IRDA. this is the simple solution I got from HDFC ERGO.
Since 2 years I am taking HDFC ERGO insurance. I never go for claim earlier. Now with the silly reasons they rejected the clime(which was not more than 8000).
Whom do we believe and how a common man can survive in India.