In 2015 I choose United India Bike Insurance from a agent and continue till 2017 but after that I switch to other Bike insurance.
The reason behind that in year 2017 I met with an accident luckily iam not injured but bike bike damaged badly. I went at authoried service center and take initial estimate for repair it is around 12k.Now my actaul problem start from here, I contacted to the agent who provide me insurance he told me to visit local office for claim. I visited office they given for for filling and telk me to attach some documents and do the same and ask officer when will he visit for verification and he commited to complete verification with 2 days. I waited for 2 days but no one come for verification I called him he told me to come next day but didn't come after all he visited after 7 days and I asked him to pass my claim so mechanic can start repairing. After 5 days Surveyor told me that some of the parts will be not covered due to previous damage and told him clearly that there was no previous damage but he is not ready I told him to give me snaps if he have any photos available for previous damage but he refused. I have visited multiple times thier office and ask my insurance agent but he refused to help.
Finally only 4000rs approved against 8k
I have to bear 4000rs from my pocket.