Bike: gs150r
Insurer: Iffco-tokyo

I had an accident 3 days after getting the bike. Some asshole came without headlight from the right in an intersection and in avoiding him, I hit a pile of stones near the footpath. Had to replace silencer and brake pedal. This is when I realised my bike has the crappiest stock crashguard....it deosnt cover the leg or any bike parts behind it properly...let me not deviate. I got appraisal, repairs, everything done at local SC, paid ~10000 bucks for it to SC and was told to wait a week for insurance cheque.

I waited for 2 weeks and called up my insurance surveyor and after repeated calls for ~ 2 more weeks, Im told that there is some problem with my claim and Im handed another number. I called up claim dept. and Im told that theres some issue with my claim.....late payment on my behalf...or the showroom's in this case, which was paid later than the date of my accident. That was why my claim was being withheld for processing under some section of their policy, even though my policy was dated before the accident. I was supposed to get a letter from showroom to the insurer clarifying it. I got on my showroom's neck, blasted them for their mistake and a couple of weeks of pushing later, they say that they have sent a letter but the insurance guys are not responding and washed their hands off the matter. Now, I was mad but still managed to hold my temper just so that things go smoothly.

I call up the insurer's head office and told them of my case and the guy responding said he'd solve it immediately. This was around 2 months after I started the 'waiting game'. Week after week of calls from my side, ranging from requesting to threatening, a ton of false promises and callous quips from their side responded by threats of going to consumer court and dragging their names in mud, Im finally told that I will be getting my money next week...thats 3 months after filing my claim.

IM DAMN ****ING PISSED@!@!!!~!!!! Damn insurers and their pencil pushing!!!! Damn showroom and their lazy, callous people !!!!! I bet they were both working in tandem. The mistake is on the showroom's side and they were least bothered to fix it, the insurers are also aware of this but just added to their customer's pain. Worst of all, none of those people had the courtesy to tell me what was going on with my claim....I had to call up everytime to get any update and usually pressure them into working on it. I want to extract my pound of flesh for all this.

Im changing insurance as soon as this one expires.....which prompts me to ask, as the thread starter also pointed out, what are the consequences of changing companies? Anything to watch out for?

One more thing, dont go to Saptagiri Suzuki showroom in bangalore for anything. They have absolutely no sense of customer service except for a couple of employees. The attached SC is not so bad as long as you get a hold of the service manager to oversee any major work.

Also as a general rule, never to buy insurance from showrooms and petrol bunks and whichever third party sellers, unless you know and trust those people well...you never know, the insurance vultures are just waiting to slap the rulebook on you.

My cousin met with an accident last night, the bike is fairly damaged
he have learning license,
is he eligible to claim an insurance as the bike belongs to him only.

Sry to hear about your bad experience ; trust me, in this country, the insurance is only good to safe guard yourself when the other party approaches the court, otherwise your life will be in soup.

Best thing is to claim insurance & then repair the vehicle without having to spend anything from your pocket to claim it later. However, it has its own drawback that, most of the parts are prone to get repaired rather than replacement which is bound to affect the overall work quality.

Best is to catch hold of someone on the top, talk to them politely on your issue & get things moving rather than fighting with lower ones. Keep moving up until you find the person who can take a decision firmly without being questioned.

What??? Your cousin has a learners & owns a motorcycle? Is this even possible? I'm under the impression that the showroom doesn't register a vehicle unless they see a permanent driving license on whom the vehicle is registered or am I assuming something?

In the northern region, no one cares whats going on,
showroom owners just want to sell bikes more and more(that includes my family also) sorry to say that!!!

Then you may don't want to care on claiming the insurance either

Anyway, what has happened cannot be rewound, best thing is, try & claim for the insurance. Ensure that someone who was sitting behind him had a permanent DL & they're also hurt a little bit 'cause that's what the law states!!!

Insurance company workers are also want to minimize there claims so they can save as much as money for there company,
they can get a weapon that the rider have a Learning license and company is not responsible for that!!!

Ensure that someone who was sitting behind him had a permanent DL & they're also hurt a little bit 'cause that's what the law states!!!

it can be done easily especially here, we will try this one definitely
Thanks for the tip by the way!!

Ok, pls do keep us posted on the outcome for the benefit of the community

Yeah man, these lessons were harsh. Though I followed textbook procedure as much as possible, sometimes when even higher ups are thick skinned jackasses, you cant help but want to flay some of the skin off them. You wont believe how poorly some people consider a customer if they have nothing to gain from them. Makes me feel like hiring a rowdy gang to get these bastards in line.

Anyway, cashless is the way to go if you cant wait for the insurance money before proceeding with repairs. Lesser headache in waiting for smaller amounts.

That is a wrong statement!!! Have you tried approaching? What was the position of the person holding you spoke with? VP? Sr VP?

They've their jobs to do. BTW, do you work somewhere or are you a student? Think from the other person's point of view too!!!

Jail is even worse

^^^^ I have approaced my showroom MD, spoken to him multiple times in various tones(most effective seemed to be slightly upset) to clear up the fault on his side with the insurance people....at first, all seemed well but after a few weeks of things going nowhere, all he wanted to do was coldly wash his hands off the matter. Again, I've spoken to the bangalore incharge on the insurance side, same case followed by a ton of false promises, excuses and ignoring\avoiding calls. I havent approached someone as high up as a VP yet but that is what I intend incase its not sorted soon.

I understand man, I try to look at every perspective before I say or conclude something. But how does one justify such a huge delay, no valid reason provided and utter lack of courtesy on their part when there is no fault on the customer? and what difference does it make if one is a student or a working man....a paying customer is a paying customer.

Rest was just me venting my frustration with hopefully no cause to go further.

Anyway, thanks for the concern and suggestions.

Delay is because, you haven't done the below!!!
And one cannot really blame a showroom manager or floor manager for something that's out of his boundary. Eventually the owner will blame the manager, so its either the guy has to pay out of his pocket or keep dragging it until you forget. Fortunately, its easier to do the latter

All this Customer King drama works only in the west; we're still light years behind in defining them, forget alone the practice!!!

Pls feel to report if this is an OT because, this is something on defining a real customer/customer service. Here's a real incident that happened not so long in Singapore.

Friend of mine, after a tiring day, calls up a specific taxi co asking them to pick up at 7:00 in the morning & hangs up the phone.

Next day at 7:15 there's a knock at the door & a taxi driver apologizes for the delay & asks him to get ready as the taxi is waiting at the parking lot. Upon asking why the taxi was 15 mins late, they narrate as what happened. Last night when my friend had called up, he called up from mobile & switched it off & had just mentioned the hotel name, but didn't give the address. The taxi co call centre assumed too much on the hotel didn't bother about the address either.

Next day, the taxi driver who was supposed to pick up, didn't know the location from where the customer had to be picked up. When they tried reaching my friend, they couldn't because his mobile was switched off. Unfortunately, they couldn't arrange another cab driver who knew the address as they were running short on cabs. So the taxi co, called up another driver who was in duty, who knew the address, asked to wake up the customer & ask to switch ON the mobile. But this new taxi guy, not only woke up my friend, but also guided the other taxi driver to this hotel all on his way to pick up another customer.

Needless to say, my friend always chose this taxi co & not to mention the discount he got for that ride for a late pickup.

It usually is within the boundary of an erring md to inform of a mistake and that of a local head of operations to recieve\acknowledge that clarification, process whats due and clear the cheque. Sounds simple right?

which is why one feels the need to put some fear in them....

That Singapore account is something else. Over here, if we ask a taxi to come at 10 00, they come at 9 30 and just when youre feeling happy at their punctuality, they have the nerve to charge for those extra 30 minutes.

To digress further, over there, they work with a stonebound code of honour. here, honour can be bought and sold according to convenience and not many look the other way. When the highest level of politics is in this state, what can we expect from their 'subjects'?

While choosing an insurance policy for the bike, the most important thing to look into is how easily the claims are settled. For me also it was very confusing to select the right insurance company providing good insurance policy at a lower premium along with easy claims and settlements. I then approached an insurance broking firm providing professional insurance advisory services. Their experts guided me in selecting the best insurance company as per my needs. Moreover, they also helped in settling my claims.

Claims executive from a reputed Insurance company!

Hi everyone!

I am an old member and started using xbhp again recently. I have worked 3 yrs for an insurance company in Chennai and Bangalore. Settled around 4000 claims and about 300 being bikes. So i could give you some inside info...

It is always best to talk to the person handling your claim at the insurance company. Usually the companies will assign an external surveyor who furnishes a report to the company. All insurance companies in India run with exactly the same rules assigned by the IRDA, the only differences being the level of service offered and commitment.

When there is an accident, first, the authenticity is checked. The surveyor checks if the accident appears as described by the client. And they usually dont entertain claims which are more than a month old due to aggreviated damage.

Paperwork is thoroughly checked. The RC is scrutinized for ownership change in which case claim is not payable if the vehicle has a new owner but not updated on the RC and Insurance.

License is also checked and the surveyor will usually find out pretty easily if you were the person at the time of accident or not ( they have seen around 2000 ppl like you).

Reimbursement is done 100% for agreed labour, depreciated value for metal parts (100% for new and decreases as age increases)
But since i have not been in touch with indian insurance, i have heard they they presently offer 0% depreciation policies etc.

I would be happy to help with any other queries

thanks

hummm that's goood thing even i don't know about the LABOUR charges taken by d service center ....

thanks for that