Bajaj allianz rejected my motor claim stating delay despite consumer forums holding that time limit for filing delay is directory and not mandatory in nature.Below are couple of Judgments relevant in the context along with its gist.
1. Vitthal Sahakari Sakhar Kharkhana v/s Group Janta Insurance, Jan 013, Mah State Con. Comm– Time limit for filing claim is directive in nature and not mandatory. “This commission has constantly held that giving intimation within specified period or within one month is not a’mandatory condition’, but it is’directory’ in nature and breach of this condition does not empower appellant insurance company to forfeit or foreclose the insurance claim required to be duly settled."
2. Sri Chand Mohan Saha v/s National Insurance Company Limited & Ors, Feb 010, Kolkata HC - “Therefore in such a case, a Writ would be maintainable even if it arises within a contractual obligation inasmuch as the Insurance Company being a State or an instrumentality of a State cannot be allowed to go scot free because one of its officers mechanically decided to come to a conclusion that merely because there was a delay of about 4 months, the Claim itself should be repudiated”.
What is INCREDIBLE is that Bajaj Allianz not only rejected my claim but also rejected the No Claim Bonus. Today they proudly call and inform that this is their policy. Summarily Bajaj Allianz have formulated a policy of GREED and CORRUPTION!
Consumers should be aware of such fraud and only go for Third Party insurance. Why pay the premium and then pay for the repairs too. It is well known that Insurers are loathsome to fulfill any claim. Today Bharti AXA is running Ads showing how common person is left high and dry during claim.
But all Insurers are the same, FALSE PROMISES.
It is high time consumers realize that nothing helps in times of need, consumers and citizens should have the means to endure any adversity themselves. RELYING ON INSURERS to bail you out of adversity is WISHFUL. I AM HAPPY THAT I NEVER WENT FOR ANY OTHER FORM OF INSURANCE neither life or other kinds. Motor Insurance is compulsory so we are stuck.
However RICH or POOR it does not make any sense to have insurance as many times the claim is either rejected or the cover is a fraction of what was promised. WHY SHOULD WE SPONSOR SOMEONE ELSE’S SALARIES & BONUSES. Consumers quickly need to realize this foolishness involved in INSURANCE.
Insurance is filled with countless cases of cheating and breach of trust. Still our innate human weaknesses compel us to trust the untrustworthy.