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Hardeep (Business)     29 January 2015

Imposed Excess - put in vehicle insurance policy - recourse

Hi my learned brothers and others ,


Essentially, without prior information / concurrence from me my Insurance Company put an " Imposed Excess" of Rs. 2,000 in my Vehicle insurance contract. Since I did not suspect anything remiss I simply filed the Contract without noticing / clarifying this.


The vehicle suffered an accident recently and Rs. 2,000 was deducted from my Claim ! Which is when I checked more thoroughly !


Preliminary check via Googleshwar reveals :


1) in Motor Vehicles Act there is no such term as " Imposed Excess" and IRDA has, in an earlier ruling, told Insurance Companies to REFUND such deductions - however, the Insurance Companies still put this and have not advertised such fact ! For details please see link :


2) Also, in an RTI application ( NOT my case ! )  United Insurance has been told to tell the Applicant Rule under which this Imposed Excess has been charged. What happened later I am not aware.

My complaint to the Insurance Company seeking redressal is as of now unanswered.


All details of my complaint and more ( such  as above links etc. ) have been set out by me at my blog  at :


And I request all interested to please see the same for details.

Kindly advise me :


a) Any inputs on this " Imposed Excess" ?. Is it allowed / Legal ?


b) If so, what recourse do I have, since this was put in my Insurance Policy without prior information and consent from me ?


c) If it is illegal, what recourse do I have ?


All inputs, case laws etc will be very highly appreciated and  will be put in my blog referred above as well for future record and reference of all interested. Thank you !

 2 Replies

Hardeep (Business)     02 February 2015

Awaiting comments and suggestions . Thanks much in advance !

Hardeep (Business)     02 February 2015

Awaiting comments and suggestions . Thanks much in advance !

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