As usual in India customer service and honesty is rare.Most big names like Tata-AIG are running call centers for aggressive selling of insurance products.False promises are made and amount is immediately debited to your credit card account.They promise to send policy in a week's time .Then your tun begins to phone them repeatedly and every time different answers and reasons are given.Your money is stuck up and you develop mental harassment and wastage of money and time. No one listens.This is clear cut case of unethical marketing and unsatisfactory treatment will be given in case of claims if unfortunately come up.
Same is situation of many insurance policy websites by private parties run on Internet.they will debit your card or take money and then drag issue for months.Your money is also at risk with potential for legal action that may be required. Insurance is a business of solicitation and insurer is not supposed to take money unless product is finalised and eligibility is ensured by insurer or their representative. But here reverse is going on.Money is taken immeidately online and then no responses are given except for computerised response. I have had extremely bad experience with two such cases . My money is stuck up at both cases and several mails and phone calls have no effect and that includes Tata-AIG general Insurance Co.Ltd. They have done this with me twice and not once.They have not refunded my money till today. Therefore it is advisable that avoid online transactions for insurance products in particular and other products in general .there are very few companies who have good service and delivery record online in my experience like flipkart.com and Blue Dart etc. Avoid online business offers with Indian companies. Issued in public interest. Prof R K Gupta India FORCE
