Shyam Sharma alleges that Bajaj Allianz unfairly rejected his insurance claim after an accident, citing an expired license despite his son being the actual driver. Read full details, legal options, and how Choice4Voice.com assists policyholders in such disputes.
Complaint Summary Table : Bajaj Allianz Complaint: Shyam Sharma Alleges Unfair Rejection of Insurance Claim
| Details | Information |
|---|---|
| Complainant Name | Shyam Sharma |
| Sh*****@gmail.com (masked for privacy) | |
| 97*****71 (masked for privacy) | |
| Company/Brand | Bajaj Allianz General Insurance |
| Complaint Type | Insurance Claim Rejection |
| Product/Service | Car Insurance |
| Policy Number | OG-25-1401-1801-00010286 |
| Claim Number | OC-26-1401-1801-00002737 |
| Issue Description | Accident claim rejected because complainant’s license had expired, despite his son being the driver with a valid license |
| Date of Incident | 09/05/2025 |
| Company’s Response | Claim rejected |
| LinkedIn/Source | Submitted directly via Choice4Voice.com |
About the Complainant
Shyam Sharma, a resident of Rajasthan, submitted his case through Choice4Voice.com. His vehicle met with an accident on May 9, 2025 while being driven by his son. Despite providing documents, Bajaj Allianz allegedly rejected the claim citing that the submitted driver details showed his own expired license instead of his son’s valid license.
About Bajaj Allianz
Bajaj Allianz General Insurance Company Limited is a joint venture between Bajaj Finserv Limited and Allianz SE. It is one of India’s largest private insurers, offering motor, health, and travel insurance.
Despite its reputation, Bajaj Allianz has faced consumer complaints in areas such as:
- Claim rejections due to technicalities
- Miscommunication regarding required documents
- Delayed settlement processes
- Unfair interpretation of policy clauses
This case raises serious concerns regarding transparency and fair handling of claims.
Legal Options Available to the Complainant
Shyam Sharma (or any policyholder in a similar situation) may pursue:
- Consumer Protection Act, 2019 – File a case for deficiency in service and unfair rejection of valid claims.
- Insurance Ombudsman – Approach the Insurance Ombudsman for disputes involving policy misinterpretation or wrongful rejection.
- IRDAI Grievance Cell – Register a formal complaint with the Insurance Regulatory and Development Authority of India.
- Civil Court Case – File a suit for recovery of insurance amount with compensation for harassment.
- Criminal Complaint (if misrepresentation is proven) – If rejection appears intentional and misleading, IPC provisions for cheating may apply.
Possible reliefs include:
- Claim settlement as per policy coverage
- Compensation for harassment
- Interest on delayed payment
- Penalty for deficiency in service
How Choice4Voice.com Helps
- We are publishing this case to amplify Shyam Sharma’s voice as the first step.
- If Bajaj Allianz does not resolve this matter, Choice4Voice.com can escalate the issue legally on behalf of the complainant.
- Our team provides complaint drafting, legal escalation, and continuous follow-up support to ensure fair treatment of policyholders.
Legal Case Filing Format (Sample Template)
[Complainant Full Name]
[Address]
[Email / Contact No.]
To,
The Consumer Disputes Redressal Forum
[City / District]
Subject: Complaint Against Bajaj Allianz for Wrongful Claim Rejection
Respected Sir/Madam,
I, Shyam Sharma, am filing this complaint under the Consumer Protection Act 2019 against Bajaj Allianz General Insurance Company Ltd. regarding wrongful rejection of my motor insurance claim (Claim No: OC-26-1401-1801-00002737).
My vehicle met with an accident on 09/05/2025. At the time of incident, my son, who holds a valid driving license, was driving. However, Bajaj Allianz rejected my claim by wrongly considering my expired license, despite clarification and submission of correct details.
Prayer/Relief Sought:
1. Approval and settlement of my insurance claim
2. Compensation for harassment and inconvenience caused
3. Interest on claim amount due to delay
4. Strict action against unfair handling of insurance claims
Attached: Policy copy, claim documents, communication records
Sincerely,
[Signature of Complainant]
Q&A Section
- What to do if Bajaj Allianz rejects my insurance claim?
- File a grievance with the company, approach IRDAI, or escalate to the Consumer Forum.
- Can expired driving license cause insurance claim rejection?
- Yes, but if another valid driver was operating the vehicle, rejection may be challenged.
- How to file a complaint against Bajaj Allianz Insurance?
- You can complain via company grievance cell, IRDAI portal, Insurance Ombudsman, or consumer court.
- Is insurance claim rejection a consumer rights violation?
- Yes, if rejection is arbitrary or unfair, it qualifies as deficiency in service.
- Can I approach the Insurance Ombudsman for claim rejection?
- Yes, Ombudsman deals with insurance claim disputes below ₹30 lakh.
- What documents are required to challenge claim rejection?
- Policy copy, accident FIR, claim forms, communication records, valid driver’s license.
- How long does IRDAI take to resolve complaints?
- Usually 30–60 days.
- Can I claim interest on delayed insurance settlement?
- Yes, consumer courts often award interest for delays.
- Can insurance company reject claim if wrong documents were submitted by mistake?
- They can, but it can be challenged if genuine clarifications and correct documents are later provided.
- How to file consumer complaint online for insurance disputes?
- Use the e-Daakhil portal or lodge complaint with National Consumer Helpline.
- What is deficiency in service under Consumer Protection Act for insurance?
- Wrongful claim rejection, delay in settlement, or misinterpretation of clauses.
- What is the role of IRDAI in insurance complaints?
- IRDAI regulates insurers and ensures fair practices.
- What if insurance company ignores my complaint?
- Escalate to Ombudsman or file consumer court case.
- Can insurance claim be settled after initial rejection?
- Yes, if challenged legally or through Ombudsman ruling.
- How long does consumer court take for insurance cases?
- Typically 6–18 months depending on complexity.
- What is the time limit to file insurance-related consumer complaint?
- Within 2 years of dispute.
- Can Choice4Voice.com help me draft an insurance complaint?
- Yes, we provide professional drafting and escalation support.
- What compensation can I claim for rejected insurance claim?
- Policy amount + damages + interest + mental harassment compensation.
- Can insurance companies reject claims due to expired documents?
- Only if the expired document directly affects liability. Otherwise, rejection is challengeable.
- How to win a consumer case against an insurance company?
- Present valid documents, proof of miscommunication, and show unfair service by insurer.
Conclusion
Shyam Sharma’s case highlights how insurance companies often reject claims on technical grounds, causing harassment to policyholders. Despite clarifying that his son was the driver with a valid license, Bajaj Allianz rejected his claim citing expired documents.
At Choice4Voice.com, we strongly advocate for fair handling of such cases. If Bajaj Allianz does not resolve this matter, we are ready to escalate it legally on Shyam Sharma’s behalf.
👉 If you have faced a similar issue with your insurance provider, submit your complaint at Choice4Voice.com and let us help you fight for justice.
