A policyholder has accused Acko General Insurance of “deficiency of service” and bad-faith claim denial, citing alleged irregularities in claim handling, lack of transparency, and compromised vehicle safety.
The complainant, Rajesh Kumar, filed a motor insurance claim (No. MTNDCR837033) under policy number DCCR10413660233 following an accident on April 1, 2026. According to Kumar, the insurer rejected coverage for damage to the front driver-side door, claiming it resulted from “multiple incidents,” a position he disputes.
Allegations of Arbitrary Rejection
Kumar alleges that the insurer failed to provide supporting evidence for its conclusion. He claims repeated requests for pre-policy inspection photographs, technical proof of multiple incidents, and an independent re-survey were not addressed. The survey process reportedly involved an official identified as Anshul and a team at the Padparganj service center.
Concerns Over Vehicle Safety
The complainant further states that the vehicle was returned as “repaired” but exhibited issues including a misaligned front bumper and faulty light fittings. He argues that releasing the car in such condition poses safety risks and violates consumer protection norms.
Lack of Transparency
Kumar also alleges that the insurer did not issue a formal repudiation letter detailing specific policy clauses or technical grounds for denial. Additionally, he claims the company did not disclose the names and designations of personnel involved in the inspection, which he says is necessary for escalation to the Insurance Regulatory and Development Authority of India.
Demands Raised
The policyholder has sought:
- Reversal of the claim denial and inclusion of the disputed damage under the same incident.
- A technical safety certification confirming repairs meet manufacturer standards.
- Disclosure of the inspection team’s details.
- Compensation for alleged mental stress and delays since April 1.
Possible Legal Action
Kumar has termed the complaint a “final notice,” stating he may approach the Consumer Forum and the Insurance Ombudsman if the matter remains unresolved.
