Jamkash Vehicleades Kashmir — insurance

Address: Ganderbal, Jammu and Kashmir, 191201

The complaint is about the insurance claim at the jamkash vechicleades ganderbal branch. I have transferred the rc of my car to my name and when i went for the claim of the insurance they are sayin you have to pay as the insurance is named after the previous owner. They are saying that we cannot initialize the claim as the insurance is named after the previous owner and are saying that we have to pay rs 40000 for the work to be done. They already charged us rs 15000 for the insurance policy.
Kindly look into the matter and give me your feedback about the matter.
Thanks