New India Assurance — New india assurance mobile theft claim is repudiated

Address: 520013

Website: bigc.euniversal.co.in

Issue - insurance money taken, device insured by the company but claim not given when device got stolen
Claim intimation no. [protected]
Residence - vijayawada (Andhra pradesh)

I had purchased the "vivo v5 mobile" in big c mobile showroom on 1st january 2017 and on their recommendation, i got it insured by the company. The company's service provider took money and insured my device and i was not informed about any terms and conditions related to the insurance (Since the device insurance is not yet a widely used service, a common man does not have detailed information, and i felt that my device was insured successfully). My device got stolen on 15th january 2017 in vijayawada (Andhra pradesh). I gave a compliant in local police station and after all the procedures they gave me certificate that they had been not able to find my phone. Then we applied for the claim with that certificate and all other required documents as per their terms. We were patiently completing the required process and fulfilling demands of the company again and again since 1.7 months. After this long time (Approximately 1 months), the company repudiated our claim, in spite of all complete documents (Attached with the complaint). They didn't even stated any statement of rejection of claim. Even i tried to contact them on phone no one responding at any time. But in reality, i was never informed about the condition mentioned for the repudiation, during the time the company took the insurance money.

We request the forum to understand our grief (Both from the device theft and then this repudiation), and help us in the matter to get our claim. I am also attaching the soft copies of our complete claim documents such as invoice, fir, sim blocking form, claim form sent to the company. Moreover, we have also not yet received back our original documents. We applied for reconsideration and were waiting for the reply before filing the complaint. Please help.