Deductible charges rs. 1000/-
Sunil Kumar
(Querist) 21 February 2015
This query is : Resolved
Respected Sir,
I want to know that My car is insured with National Insurance Company with Bumper Insurance and I have paid Rs.13794/- for this Bumper Insurance and at the time of purchasing new car the agent/dealer has insured my car with the tie up of Maruti Suzuki workshop without intimation to me and charged Rs. 13794/-. The actual price of Insured of Bumper Insurance from any Insurance Company is about Rs.10000/-. But the agent/dealer has insured my car amounting to Rs. 13794/-.
After insured the car I have contacted the insurance company and the officer/official has intimated to me that you have to pay Rs. 1000/- as compulsory deductible charges. I do not understand if my car is fully bumper insurance then which type of this deductible charges I have to pay. The National Insurance Company officer/official intimate me that this is a clause of IRDA and you have to pay Rs. 1000/- from your own pocket when getting claim of your car insurance.
Kindly intimate how I refund my excess amount from Rs. 13794/- to 10000/- something from Maruti Company which I pay to agent/dealer for car insurance and also intimate me about the compulsory deductible charges of because this isa clause IRDA.
Devajyoti Barman
(Expert) 21 February 2015
Yes, Rs. 1000/- is compulsory deductible even in bumper to bumper insurance.
