Rajender Kumar raises a complaint against Bajaj Allianz General Insurance regarding wrongful claim rejection under Policy No. OG-26-9906-1871-00024474. Read full details, issues, and possible actions under IRDAI guidelines.
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Complaint Summary : Rajender Kumar vs Bajaj Allianz – Insurance Claim Rejection Complaint (Policy No. OG-26-9906-1871-00024474)
| Field | Details |
|---|---|
| Customer Name | Rajender Kumar |
| Location | Shri Dungargarh, Rajasthan |
| Company | Bajaj Allianz General Insurance Co. Ltd. |
| Complaint Type | Insurance Claim Rejection |
| Policy Number | OG-26-9906-1871-00024474 |
| Claim ID | OC-26-1401-1871-00000273 |
| Date of Claim | 23rd August 2025 |
| Issue Reported | Wrongful rejection of insurance claim despite submission of complete documents |
| Rejected Parts | Silencer (fully damaged), Foot Rest |
| Customer’s Demand | Immediate re-investigation and approval of rejected claim parts |
| Next Steps if Unresolved | Escalation to IRDAI or Insurance Ombudsman |
| Customer Email | bharatkumararawliya@gmail.com |
| Alternative Contact | Hidden |
Full Complaint Write-Up
Mr. Rajender Kumar, a policyholder of Bajaj Allianz General Insurance, has raised a serious grievance regarding the wrongful rejection of his insurance claim under Policy No. OG-26-9906-1871-00024474.
On 23rd August 2025, he filed a claim (Claim ID: OC-26-1401-1871-00000273) for damages to his vehicle. According to his statement, several parts of the vehicle were severely damaged. He submitted all required documents, photographs, and even the surveyor report, which clearly demonstrated that the damaged parts were covered under the policy.
However, Bajaj Allianz rejected key parts of his claim, including:
- Silencer (completely damaged and visible in photographs)
- Foot Rest
The insurer allegedly stated that these parts were not eligible for claim since the policy was purchased only a few days prior. Mr. Kumar believes this rejection is unjustified and intentional, causing him financial loss and eroding his trust in the company.
He has requested immediate re-investigation of the claim and approval of the rejected parts. He is also willing to provide additional documents and photographs if required.
Mr. Kumar has given the insurer 3 days to take corrective action and provide a written resolution. If Bajaj Allianz fails to act, he has stated that he will escalate the matter to the Insurance Regulatory and Development Authority of India (IRDAI) and approach the Insurance Ombudsman for redressal.
LinkedIn Post Source
Original Post by: Rajender Kumar
View LinkedIn Post
Key Issues Raised
- Unjustified Rejection of Valid Claims – Despite damage evidence, insurer denied parts.
- Financial Loss – Customer incurred additional expenses due to rejection.
- Trust Deficit – Policyholder has lost faith in Bajaj Allianz services.
- Violation of Fair Claims Settlement Guidelines – IRDAI mandates insurers to handle claims fairly and transparently.
Customer’s Expectations
- Re-investigation of Claim
- Approval & Payment for rejected parts (Silencer, Foot Rest)
- Written Resolution within 3 days
- Accountability from Bajaj Allianz
What Policyholders Should Know
- As per IRDAI (Protection of Policyholders’ Interests) Regulations, insurers cannot deny claims without valid reasons supported by policy terms.
- Customers have the right to appeal against claim rejection.
- If unsatisfied, policyholders can approach the Grievance Redressal Officer (GRO) of the company, followed by the Insurance Ombudsman.
- Escalation to IRDAI’s Grievance Cell (IGMS portal) is also available.
Q&A – Commonly Asked Questions on Insurance Claim Rejection
Q1. Why do insurance companies reject claims?
Insurance claims may be rejected due to incomplete documents, non-coverage under policy terms, late reporting, or discrepancies in claim details.
Q2. Can Bajaj Allianz reject a claim without valid reasons?
No, IRDAI regulations require insurers to provide a valid written reason for rejection. Arbitrary denials are not acceptable.
Q3. What can I do if my insurance claim is rejected wrongly?
You can approach the insurer’s Grievance Redressal Officer (GRO). If unresolved, escalate to IRDAI IGMS or the Insurance Ombudsman.
Q4. How long does Bajaj Allianz take to settle a claim?
Generally, insurers must settle claims within 30 days of receiving all required documents.
Q5. What evidence helps in claim disputes?
Photographs, surveyor reports, repair bills, and any written communication with the insurer.
Q6. Can IRDAI force an insurer to pay rejected claims?
Yes, if the claim is found genuine and rejection is unjustified, IRDAI can direct the insurer to honor the claim.
Q7. How do I file a complaint against Bajaj Allianz?
You can file via:
- Bajaj Allianz Customer Care Email
- IRDAI IGMS Portal
- Insurance Ombudsman
Q8. Does insurance cover silencer and foot rest damage?
Yes, if the damage is due to an insured peril (accident, fire, etc.), these parts are typically covered.
Q9. What is the Insurance Ombudsman?
It is a government-appointed body that helps policyholders resolve disputes with insurers free of cost.
Q10. How soon should I escalate to IRDAI?
If the insurer fails to respond within 30 days, you can escalate immediately.
Q11. Can I go to consumer court for insurance claim rejection?
Yes, if not satisfied with Ombudsman or IRDAI, you can approach the Consumer Disputes Redressal Commission.
Q12. Is claim rejection common in motor insurance?
Unfortunately, yes. Many rejections occur due to technical reasons or disputes over coverage interpretation.
Q13. What documents are crucial for motor claim settlement?
Policy copy, claim form, FIR (if applicable), photographs, surveyor report, repair bills.
Q14. How do I ensure my claim is not rejected?
Always disclose correct details, file claims on time, and submit all required documents.
Q15. Can I request a re-investigation of a rejected claim?
Yes, you can formally request re-examination with supporting evidence.
Q16. Does IRDAI charge fees for complaints?
No, IRDAI and Insurance Ombudsman services are free.
Q17. How long does Ombudsman take to resolve complaints?
Typically, within 3 months of filing.
Q18. What if I recently bought insurance and claimed soon after?
Some insurers may scrutinize early claims, but they cannot deny if coverage applies.
Q19. Can claim rejection be challenged in court?
Yes, courts can overrule insurers if the rejection is found unlawful.
Q20. Is Bajaj Allianz frequently reported for claim rejection?
Yes, multiple policyholders have raised grievances online regarding delayed or rejected claims.
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