Holding ICICI Prudential Life Insurance Company responsible for thrusting a policy on its customer,the district consumer disputes redressal forum has directed the company to pay Rs 10,000 as compensation. The firm has also been directed to refund Rs 1,190 to the complainant along with interest and Rs 1,100 as litigation costs.
Mridula Dhindsa said in his complaint that she was surprised to receive an insurance policy worth Rs 3 lakh in July 2008 from the company,valid for three years,for which a premium of Rs 1,190 had been charged.
She said the policy was issued with respect to a loan of Rs 3 lakh taken by her,though at the time of signing the documents she had declined the offer for the policy. Despite several requests to cancel the policy,no action was taken,forcing her to move the consumer forum.
In its reply,ICICI stated that the policy was issued because she opted for it in the proposal form and that they asked her to return the policy document with a written request for cancellation which she never submitted.
The forum said the complainant had admitted that the signatures to obtain the life cover,as shown in the proposal form,were indeed hers but stated that they were taken by keeping her in the dark as they were obtained on several forms.
The contention of the complainant appears to be correct that she did not know if she was signing such a form and if any policy was to be issued to her, the forum said. The forum also cited a telephone complaint,lodged by Dhindsas father on July 24,2008,stating that his daughter had not applied for a policy.
It gives the very first reaction of the complainant which demonstrates that she had not asked for an insurance policy and it was thrusted on her by deceit and by concealing true facts. The company should have explained all the facts to the complainant before getting her signatures on the proposal form under the pretext that it was related to her car loan, ruled the forum.