Bajaj Allianz Insurance coverage is holding the cash of its prospects

That is positively going to be a rip-off. So I simply wished everybody to pay attention to it.

BHPian Naveen.Raju Not too long ago shared it with different lovers.

I simply wished to share my dangerous expertise right here, however came upon there’s a rip-off happening right here. I had casually mentioned this with my household’s lawyer and he stated that they’ve acquired about 6 official complaints in Cochin alone. Clients cost premium, Bajaj Allianz delays coverage submission and at last points refund (about 3 to 4 weeks, they may have prospects cash. In lots of circumstances, they don’t concern refunds and go away prospects behind Must run away. ) Think about, if so in Cochin alone (that is what our lawyer got here to know), what would occur throughout India. They are going to have crores of rupees. That is positively going to be a rip-off. So I simply wished everybody to pay attention to it.

Right here is my take a look at:

He has had purchasers for a number of years now and it was fairly snug. However this time, it was horrible.

I began getting spam calls 3 months earlier than the coverage expiry date and final month, it was like a number of calls day by day. Though I’ve blocked his calls, he calls from a brand new quantity and his calls are IVR.

Anyway, this is the case. I get a quote for my Grand i10 and I humbly decline their provide saying that I’ve discovered a greater provide for XXX and the add-ons they provide. The girl (Ms. Pooja) shortly asks me to carry and makes a greater provide in about 10 seconds. I ask him to ship me the cost hyperlink. I obtain the cost hyperlink in 1-2 minutes, examine the provide and I pay. I get affirmation message from Bajaj, cost supplier displaying me EMI has been accepted and so forth. I get the hint ID (Monitoring ID), and it exhibits that it has been accepted.

Now the tough half. Each time, I take insurance coverage, I get a tender copy instantly. However this time, even after a day, I’ve not acquired any communication from Bajaj Alliance apart from profitable cost. I attempt to drop them a mail however all their e mail ids have some technical drawback. Say’s mail was not delivered – see screenshot:

Then some random individual calls me after 2 days and calls for that I’ve to pay Rs 4,000 additional. Once I ask him the explanation, he makes up some story. I spoke to Ms. Pooja all through the method, who gave me a reduced bid and requested me to pay the premium. I clarify all the dialog to them and ask them to concern the coverage.

Then I name buyer care thrice and clarify the issue. All of them complained and stated that will probably be resolved in 24-48 hours and my matter might be handled as “pressing”. I then name the shopper care within the night, and so they switch the decision to the involved division. Dude says his pc is simply too sluggish and asks me to attend a couple of minutes (LOL). He confirms that the cost has been made and it’s profitable and says that they’re dealing with some technical points therefore the delay in issuance of the coverage doc. Whereas they had been behind me earlier than taking the coverage, they disappeared as quickly as I paid. However he assured me that I’d get my coverage on March 28.

March 28 – I obtain a mail with the next content material:

Pondering that the matter is settled, I put together to take a printout of the coverage doc. To my shock, the coverage they despatched was final 12 months’s coverage. What a beautiful mistake. I reply to that mail about their very good proofreading abilities and duplicate the mail to all senior folks there (they gave me mail id of senior folks in case I used to be not happy with their buyer help). Until now nobody has even bothered to reply for the goofiness dedicated by him.

I name their buyer help at evening to examine the standing. As all the time, I wasted my time attempting to clarify the entire episode. They switch my mail to the involved division. Once more defined the entire course of. Just like the pre-recorded message, the person says that he’ll ahead my grievance to the workforce involved (wasn’t he a part of the workforce involved? I ask him this however he says there’s a totally different workforce and I have to find out about his ” Coverage” might be acquired in 24-48 hours. Since I’m listening to this from final 3 days, I inform him that I can’t settle for it and I would like a decision. He stated it’s a technical concern and 1-2 Inside days, I ought to obtain it. I ask him to both give it in writing or to switch my name to my superior. As anticipated, he blocked my name for quarter-hour And later dropped my name. So pathetic buyer help. Here is a abstract of my time wasted speaking to a bunch of idiots.

And just some service requests that I acquired (there are lots of extra):

March 29 – 10 a.m., I reply to a mail despatched by a human by the title of “Diksha Maske” who made the great mistake of sending my final 12 months’s coverage with CC to “so known as senior workers of Bajaj however who doesn’t reply to your mail”. No reply.!

At 12 midday, I get a reply and so they once more ask for all the main points. I reply with a CC to the 8 different “so-called senior workers” (new listing this time) with the required particulars. This screenshot proven above clearly exhibits that they examine their e mail usually. It may be stuffed with such complaints.

Later within the evening, I name them. As all the time, wasted my time explaining my concern to some 4 ranges of help executives. One individual specifically, Mr. Ganesh was very impolite and known as me saying he could not repeat the identical factor once more (his solely excuse was that he wanted 48 extra hours to concern the coverage, his backend workforce) At present not accessible and they’re dealing with some technical concern). I known as him once more and spoke to Mr Hrishikesh who began saying the identical factor. He assured me that he would personally take up the problem and distribute the coverage by 5 PM on thirtieth March. My coverage expired on twenty ninth March and when requested why they nonetheless have not given the coverage to me, they are saying that there isn’t any drawback even when the coverage expires. In case of any concern that appears absurd to me, I can present my profitable cost receipt.

March 30 – At 11 am, I get a name from a person saying that he has been handed over my grievance and the coverage might be delivered in a number of hours. Mr. Hrishikesh who promised me that he would ship me the coverage doc and would name me personally to replace. At 6 pm, I name buyer help and ask them to attach with Mr. Hrishikesh. Places me on maintain for 15 minutes after which dude says he’s on a name and he’ll name me in 1 hour. Even after 2 hours, I do not get any updates and I name them again. Once more, the identical pre-recorded reply that he’s busy. Lastly, at 9.30 pm, a good friend known as me. Stated he was busy attempting to “catch up” to his backend workforce (sure, that is the phrase he used) and noticed that they issued a refund. These folks don’t name the involved workforce when there’s any drawback with the shopper. They simply go away a mail. Once I requested him concerning the precise date that I’d obtain my coverage, he stated “I am unable to give a date however I am going to offer you an replace tomorrow” (replace could be that they issued a refund – it took greater than 10 will take days to course of). These guys play it secure and ensure they’re all the time on the secure facet. Since he stated that he has despatched some mails to his superiors, I ask him to ship me a mail with a replica. He instantly denied it. Mr. Hrishikesh was performing as if I used to be asking him for a mortgage and hoping that I’d be his slave/servant. Once I began the dialog I advised him that I used to be recording this name.

Here is one thing that labored in my favor:

  • Me – I have to know the precise date. I do not need you to replace me tomorrow.
  • Hrishikesh – Sorry sir, I am unable to commit on a date. I am going to present you an replace tomorrow.
  • Me – The replace you are going to give me tomorrow is that the refund has already been issued. I do not need that after ready for per week after which ready for two weeks for my refund. I would like my coverage to be issued. Inform me, I would like you to offer me the coverage tomorrow.
  • Hrishikesh – No sir. (His angle modified and his voice was tough).

I saved repeating this and at last, he mistakenly assumed that he would ship me the coverage doc tomorrow. He tried to vary what he stated, however I laughed and stated – “That is what I wished. You confirmed that you’ll ship my coverage doc”. I once more say “Mr Hrishikesh, hereby verify that he’ll ship me the coverage doc on thirty first March 2021”. And I stated that I’ll ship this voice clip to some high executives of Bajaj Allianz Insurance coverage (I title some 5 folks with their designation, e mail id and so forth.). All this time I used to be indignant and yelling at him, however now that I began laughing he was a bit scared and tried to vary what he stated. I am going to let you know I’ve bought what I wished, and I am going to do what I would like now. Anyway, he stated he would name me tomorrow to replace me.

After half-hour, I get a name from a cell quantity. It was Mr. Jerome (some senior customer support executives – I bear in mind seeing his title within the lengthy listing of emails I despatched. He stated that he known as me after sending numerous emails (I’ve been sending these mails for nearly 6 days now). I had despatched a mail to Insurance coverage Grievance Officer which I bought from IRDA web site. He humbly admits that it’s his fault and he’ll examine on it tomorrow and name me at 7 pm. I’d level out that it’s both a coverage or a refund on April 1st (stated I am unable to wait 10-15 days).

Mr. Jerome known as me the following day on the identical name with one other good friend Mr. Suraj Suryavanshi – Motor Underwriter ( They provide to concern me the coverage with the identical premium. Because the insurance coverage had expired, they gave me the app for self verification. I full it on sixth April at 6 PM and at 7.30 PM I get the cost hyperlink. I pay at 7.50 pm, mail them the screenshot and different particulars. After which that is all. These persons are very fast to answer cost mails. It has been two days (April 8) and I nonetheless have no coverage and it nonetheless exhibits two EMIs (refund not issued). I mail them screenshots (April 8 at 10 am) displaying two units of EMIs and the explanation for delay in issuance of the coverage.

Even after sending them mail, I do not get any reply from them. Then I ship a mail to their Chief Grievance Officer (my final mail to him made an impression there and that was when Mr. Jerome known as me to take it up on the identical day at 11pm) on April eleventh at 10am. The identical day at 6 pm, I bought a name from Mr. Suraj saying that the coverage could be launched tomorrow (April 12) as he had some IT drawback (it is a huge crap as I’ve been listening to it for greater than a month). I’m). He additionally assured me that the refund concern might be sorted out tomorrow and his account holder might be included in a name tomorrow.

Waited for two days, as traditional no replace got here from Sooraj’s facet. I name him at evening and he comes for numerous causes like household emergency and so forth. I’ve had sufficient – I ask him at hand me the coverage doc earlier than midnight and don’t desire any foolish purpose. Later within the evening, he lastly mails me the coverage doc. After someday, he known as me and stated that he would look into the refund standing and replace me on this. Now that the coverage doc has been issued, my plight continues with the refund. After a number of days, he calls me and confirms that he’ll provoke the refund course of. Since I knew that I’d not get any updates from him, I’d name the finance supplier and examine the standing of the refund. Says they have not acquired any refund initiation from Bajaj Allianz (so actually rip-off. They’re now holding my cash illegally). I satisfied the cost supplier and at last they had been capable of cancel the cost.

Even after being a Bajaj Allianz motor insurance coverage buyer for a few years, they didn’t hassle to resolve the problem. I’ve knowledgeable IRDA about this rip-off which is occurring.

Please avoid Bajaj Allianz – do not waste your cash and valuable time right here. I discovered it!

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