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QI had bought jewelry from a jeweler who also offers free insurance. Unfortunately, the jewelry was stolen a few months back, but it was within the insured period. I followed all the necessary steps—filed a police FIR, got an untraceable report, and submitted all required documents to the insurance company.
On January 31, 2025, I submitted my subrogation form, bank details, and PAN card, as requested. Initially, the insurance company approved my claim. However, after 18 days, they suddenly said they had asked a surveyor to reassess the claim amount—despite already taking subrogation and my final documents.
The surveyor completed the reassessment but falsely reported that I refused to provide some documents—documents that he never even requested. When I pointed this out to the insurer, they just insisted that I hadn’t provided them. I have emails and call recordings proving they never asked for those documents, but to avoid any issues, I sent them within a few hours.
A few days later, the surveyor officially requested those documents via email—almost a month after being assigned for reassessment. This feels like a deliberate delay tactic, and I suspect that even if I respond immediately, they will find another excuse to stall.
My key questions:
1. Can an insurance company refuse to pay after already approving the claim and taking subrogation?
2. Aren’t they violating IRDAI guidelines by delaying payment this way?
3. What legal or formal steps can I take to force them to settle the claim?
Any advice would be greatly appreciated. Has anyone else dealt with such tactics from insurance companies?
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KThe surveyor gets paid to find reasons to reject the claim, they are specialist in finding/creating technical situations which will nullify your claim in the future I case you decide to go to court. From personal experience.
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