sharing my one email as of my experience with The New India Assurance Company Limited.
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Ashok Kumar Singh.
Oct 8, 2017, 2:24:44 AM10/8/17
to Insurance surveyors
Respected all,
I am sharing my one email as of my experience with The New India Assurance Company Limited.
Regards,
Ashok Kumar Singh.
Surveyor & Loss Assessor.
Greater Noida, U.P..
9891373920.
08.10.2017.
Sent: Sun, 08 Oct 2017 00:38:48
To: "rajesh...@newindia.co.in"<rajesh...@newindia.co.in>
Cc: "rajes...@newindia.co.in"<rajes...@newindia.co.in>,"vandan...@newindia.co.in"<vandan...@newindia.co.in>,"priyank...@newindia.co.in"<priyank...@newindia.co.in>,"nia.su...@newindia.co.in"<nia.su...@newindia.co.in>,"pradee...@newindia.co.in"<pradee...@newindia.co.in>,"rahul...@newindia.co.in"<rahul...@newindia.co.in>,"niamaruti"<niam...@newindia.co.in>,"niam...@gmail.com"<niam...@gmail.com>,"ak.s...@newindia.co.in"<ak.s...@newindia.co.in>,"aanchalgoel"<aancha...@newindia.co.in>,"RAJ KUMARI"<rajkumar...@newindia.co.in>,"DR RAJKUMAR"<drraj...@newindia.co.in>,"g.srin...@newindia.co.in"<g.srin...@newindia.co.in>,"DIVYA GUPTA"<divya...@newindia.co.in>,"ashokkumar"<ashok...@newindia.co.in>,"subhas...@newindia.co.in"<subhas...@newindia.co.in>,"ABHINANDAN CHOUDHARY"<abhinandan...@newindia.co.in>,"POONAM RAI"<poona...@newindia.co.in>,"shivpratapsinghsurve or"<shivpratapsi...@gmail.com>,"Pankaj Tyagi"<pankaj...@gmail.com>,"Vipin Agarwal"<vagar...@gmail.com>,"ramawadh singh"<singh_aw...@yahoo.co.in>,"Amit Kumar"<amit...@yahoo.com>,"Atul Garg"<atul1...@rediffmail.com>,"Sanjay Chopra"<chop...@gmail.com>,"Mobeen Khan"<mobeen...@gmail.com>,"umesh tyagi"<tyagiu...@gmail.com>,"ukagrwal"<uk.a...@gmail.com>,"katariasudhir"<katari...@rediffmail.com>,"sudhir_surveyor"<sudhir_...@yahoo.co.in>,"hmguptai"<hmgu...@yahoo.co.in>,"satishgrovernoetech"<satish.gro...@yahoo.com>,"ersatishgoel64"<ersatis...@yahoo.com>,"Lovkeshgoel"<lovke...@hotmail.com>,"RAJENDRA KUMAR"<rkjai...@gmail.com>,"SP Singh"<spsin...@yahoo.co.in>,"NARENDER KUMAR"<nktya...@gmail.com>,"LALIT GUPTA"<lalits...@yahoo.co.in>,"lalitgupta1970"<lalitgu...@gmail.com>,"lalitmohan97"<lalitm...@yahoo.com>,"Dhruv Vats"<vats....@yahoo.com>,"najmulhasan"<najmul...@rediffmail.com>,"sandeep_surveyor"<sandeep_...@hotmail.com>,"uv_survey"<uv_s...@rediffmail.com>,"Nitesh Sharma"<sharma...@yahoo.com>,"S Anoop"<s.anoo...@gmail.com>,"c k"<ck_b...@yahoo.co.in>,"Ashwani Sharma"<ashwa...@gmail.com>,"dhawan_sunil"<dhawan...@hotmail.com>,"guptakvipin"<gupta...@rediffmail.com>,"n k"<nkg...@gmail.com>
Subject: Thanks for giving opportunity to work as Surveyor & Loss Assessor & to earn the money, by Newmar claims, from last many years to 06 September 2017.
Respected all,
First of all thanks to giving me the opportunity to work as a Surveyor & Loss Assessor & to earn the money with NIAC for Newmar claims, from last many years to 06 September 2017 under with NIAC DO Noida, U.P. (NIAC DRO-02, Delhi).
I have been earned a very good amount via surveying from The New India Assurance Co Limited. But now approx from last 01 month, I have not been getting survey jobs allotment (Newmar claims) by The New India Assurance Co Ltd. I think that The New India Assurance company has better options of Surveyors as compare to me, and Insurance Company definitely shall want to join better options of Surveyors.
Nowadays (approx from last 01 month) only one Surveyor has been getting approx 80% survey jobs ( Newmar claims) of of total Newmar claims under NIAC DO Noida, U.P.. I could not understand what are the reasons on behind it. Is only one surveyor up to the level of The New India Assurance Co Ltd. Is it quality or Qualifications based preference. Still I could not understand the reasons. But The New India Assurance Company Limited is a biggest company of General Insurance Sector of India. It may be possible, It is a better decision for development of all or for betterment of society (as one Surveyor development).
Now, I want to share some suggestions for improvements in Motor claims as with my experience,-
1. Supplementary estimate:-
Customer is very important in any business & Customer,s satisfactions are too much important in business.
Supplementary estimate consideration in Motor claims is a very very big task & issue. Insurance company has issues for its visible or invisible status. I have been experienced that Insurance company has no matter for real damages & correlation with the cause of accident. It is very tough job to take the permission of supplementary estimate consideration in loss assessment from Insurance company.
2. Instructions to follow for surveyors-------------by DRO-02. (Letter dated 1.02.2017, as attached)
To apply 50% depreciation on sealant kit under with Zero Dep Policy for first 02 claims.
Also note that following consumables items are payable to tune of max 50% irrespective of Zer dep or normal policy. (as attached herewith letter copy)
1.Sealant set 2. Body Seam Sealer
Surveyor is a neutral person for both as insured or insurer. Surveyor assess the loss as per policy contract. It is a duty of Surveyor as per Surveyor Regulations 2015. Surveyor has no matter as instructions for claim loss assessment. Still I have not been read any word as Consumable / about it,s coverage or it,s definition in insurance policy contract. I also could not find it in Policy exclusions.
As per my opinion-----It was a wrong instruction for surveyors.
3. Warning in this letter:- If any Surveyor is not observing / following our laid down directives. please immediately brings to notice of R.O. / Nodal office for taking appropriate action.
Surveyor is a Independent neutral person. But above line is not good for surveyors. If he takes the directions in assessment from Insurers, it,s mean he is with prejudice in his survey work.
4. Inspection of Major loss claim vehicles by NIAC Officials as Duty of Insurance Surveyor:- It is not good practice as a duty of Surveyor
As per my opinion, It should not a duty of Insurance surveyor to arrange a visit of Insurance official to inspect the major loss vehicle (as pick & drop from Insurance office). Surveyor is not a Driver of any insurance company. But it is a very common practice.
5. Behaviour of Insurance officials.
I am sharing my one experience of Common meeting of Surveyors with a DGM at Ghaziabad, U.P.. It was my worst experience of meeting with officer. Insurance company had informed to all paneled surveyors to attend a meeting with officer. But officer told in meeting that he will only speak in meeting, no one can ask any question or speak in this meeting. It was only one way communication from officer side. If any one was not ready for it, He can go from the meeting from the front gate. It was not a interaction type meeting. Although It was a dictatorship type meeting. This behaviour was very very rude.
We are not slaves. We also expect respect from insurance company.
6. Young officers of NIAC:-
I have been experienced that Team of Young officers of NIAC are very very good, mannered, cultured, with good communication skills with good quality of understanding, with good Knowledge etc.......
At last once again thanks to all,
Regards,
Ashok Kumar Singh.
Surveyor & Loss Assessor.
104, L-1, Ansal Housing, Golf Link-01,
Sector Omega-01, Builders Area, Near Pari Chowk,
Greater Noida, U.P..
201308.
9891373920.
07.10.2017.
Sharing one email-----------Regarding supplementary estimate.
From: "Ashok Kumar"<ashok...@rediffmail.com>
Sent: Mon, 31 Jul 2017 19:43:19
To: <raj....@newindia.co.in>
Cc: "POONAM RAI"<poona...@newindia.co.in>,"DIVYA GUPTA"<divya...@newindia.co.in>,"alkamishra"<alka....@newindia.co.in>,"ABHINANDAN CHOUDHARY"<abhinandan...@newindia.co.in>,"neelabhchaturvedi"<neelabh.c...@newindia.co.in>
Subject: Regarding supplementary estimate for visible parts----------------claim no.-98000031170391065940, UP16BM-6922, A/C. Mrs. Meenu Pilania.
Respected sir / Madam,
Most of the insurance companies in India take the repair estimate copy with claim intimation letter but not all. Some surveyors or PSU insurers have some doubts about supplementary estimate for visible parts or for invisible parts. Now I want to share some points on it as under,-
Final Repair Estimate :- Mostly insurers take the detailed estimate before deputation of surveyors for indemnification. Insurer has a benefit of it that they appoint the surveyor as per level of loss (as amount of loss). These documents has with details of need of replacement parts and need of repair labour work from Repairers side are called Repair Estimate.
Supplementary Estimate :- Some times Repairer, some visible / invisible parts or labour can not get in to final estimate. Body shop adviser do not demand the some damaged parts (need of replacement) or Repair labour charges (need of repair labour work) in final estimate, due to position of hidden / invisible parts or due to as a human being mistake.
So Repairer prepare an another estimate for above type parts and it is called as supplementary estimate and send it to to insurer / Insurance Surveyor for consideration in loss assessment.
Disputes:- Some Insurers or Surveyors has a opinion that supplementary estimate only for hidden or invisible parts. But as per my opinion it is a wrong perception of them.
First of all, I am sharing some definitions relating insurance.
I. Principle of indemnity:-
The principle of indemnity arises under common law which requires that an insurance contract should be a contract of indemnity only and nothing more. this means that the loss or damage must be made good in such a manner that financially the insured should be neither better off nor worse off as a result of the loss.
The object of the principle is to place the insured after a loss in the same financial position as far as possible, as he occupied immediately before the loss.
The effect of this principle is to prevent the insured from making a profit out of his loss or gaining any benefit or advantage. Provided that the liability of the company shal in no case exceed in respect of each item the sum expressed in the said schedule to be insured thereon or IDV.
3.As per surveyor regulations 2015. CHAPTER IV
Reasons for supplementary estimate acceptance for visible / invisible parts :-
1.
Insurance policy contract has not details of words as Final Repair Estimate or Supplementary Repair Estimate. Insurer has a contract with insured as the form of insurance policy with terms and conditions. Insurer or insured has not a legal contract about it with Repairer. But as per insurance policy contract, have a principle of indemnity. It is very important for all of us.
So as per my opinion it should not be a matter for supplementary estimate that these demanded damages in supplementary estimate are visible or invisible.If damages are genuine, fresh and co related with the cause of accident and nature of accident than Insurer should accept the the supplementary estimate with the opinion of concern Surveyor, (as like final estimate way). We and Insurer should follow the principle of Indemnity.
2. Regarding ----claim no.-98000031170391065940, UP16BM-6922, A/C. Mrs. Meenu Pilania.
i. Fender rhs---------------------Supplementary estimate------Visible part------------damage--fresh & correlated with the cause of accident.
ii. Front door rhs--------------- Supplementary estimate------Visible part------------damage--fresh & correlated with the cause of accident.
iii. Front cross-------------------Supplementary estimate------Invisible part-----------damage--fresh & correlated with the cause of accident.
Repairer could not demand above these parts in final estimate by mistake. But as per me these parts had fresh damages & these were correlated with the cause of accident. So as per my opinion, insurer should accept the supplementary estimate to consider it in loss assessment.
3.
Final Survey date---------------------------15.06.2017.
Supplementary estimate date----------15.06.2017.
While I was conducting the Final survey job on dated 15.06.2017, at Vipul Motors, Sector-63, Noida, U.P., I & Repairer noticed that some damaged parts were missing in the final estimate. So same day, Repairer prepared a supplementary estimate for the same & gave it to me as hard copies. After that, I personally visited on same day to Insurance office-NIAC DO-63, Noida, U.P. & took the approval of acceptance from official of insurer.
Note:- As per,- a Surveyors meeting with previous Office In-charge Shri Rajveer Singh ji and with Regional Manager,
If a supplementary estimate comes for visible parts in any claim on the first day of final survey and if it will be provide to insurance company for acceptance on the first day of final survey, than Insurance company will accept the supplementary estimate for visible parts.
So as per Surveyors Meeting with Previous office In-charge , this Supplementary estimate also should be accept.
4. Please think, Insured is a common man. He/she knows, how to drive the car. He has been taken a Comprehensive Motor Package insurance policy from Maruti Dealer outlet for risk coverage of his/her car. He/she knows about only accident incident. Most of the time, Insureds do not have proper knowledge of parts & labour work relating with vehicle car.
After the accident, Insured bring his car in to the Maruti Dealer Authorised workshop for repairing work. There side he/she fill the claim-form, claim intimation letter, with all details and explain the accident incident to Workshop adviser. Than he return back from Workshop. After some time, when Adviser will free, He will prepare a online estimate for repair work & will intimate the claim via online system.
It's clear mean Insured has no role / fault in estimate preparation. Insured has no legal binding for estimate & it's mistakes with Repairer. If we will not consider the supplementary estimate for genuine damaged parts. Than Repairer will charge for it from insured or Repairer will not do the repair work as per supplementary estimate. Its clear mean that only insured will be a sufferer.
So we should understand the problem of insured, Principle of Indemnity, Duties & Responsibilities- Code of Conduct of Surveyor as per Surveyor Regulations 2015. Than we should take the decision of supplementary estimate acceptance.
It is a wrong perception, that Supplementary estimate only for hidden or invisible parts. Still I have not been seen any term-condition, exclusion in policy contract wordings. Otherwise Repair estimate is a estimate. We have been given the name as Final Estimate and Supplementary estimate. Policy contract has no such words as final or supplementary estimates.
With regards,
Ashok Kumar Singh.
Surveyor & Loss Assessor.
104, L-1, Ansal Housing, Golf Link-01,
Sector Omega-01, Builders Area, Near Pari Chowk,
Greater Noida, U.P..
201308.
31.07.2017.
Most of the insurance companies in India take the repair estimate copy with claim intimation letter but not all. Some surveyors or PSU insurers have some doubts about supplementary estimate for visible parts or for invisible parts. Now I want to share some points on it as under,-
Final Repair Estimate :- Mostly insurers take the detailed estimate before deputation of surveyors for indemnification. Insurer has a benefit of it that they appoint the surveyor as per level of loss (as amount of loss). These documents has with details of need of replacement parts and need of repair labour work from Repairers side are called Repair Estimate.
Supplementary Estimate :- Some times Repairer, some visible / invisible parts or labour can not get in to final estimate. Body shop adviser do not demand the some damaged parts (need of replacement) or Repair labour charges (need of repair labour work) in final estimate, due to position of hidden / invisible parts or due to as a human being mistake.
So Repairer prepare an another estimate for above type parts and it is called as supplementary estimate and send it to to insurer / Insurance Surveyor for consideration in loss assessment.
Disputes:- Some Insurers or Surveyors has a opinion that supplementary estimate only for hidden or invisible parts. But as per my opinion it is a wrong perception of them.
First of all, I am sharing some definitions relating insurance.
1. Insurance Contract :- An agreement enforceable by Law is a contract. Therefore, there must be an agreement and it should be enforceable by law.
In insurance, the insurance policy is a contract (generally a standard form contract) between the insurer and the insured, known as the policyholder, which determines the claims which the insurer is legally required to pay.
a. Insurance:- Insurance may thus be defined as sharing of the losses of a few who are unfortunate to suffer such losses, amongst those exposed to similar uncertain events / situations.
b. Insured:- The insurer enters into an insurance contract with each person who seeks to participate in the scheme. each participant is known as the insured.
2. Principles of insurance:- Insurance work on the basis of some principles as under,-
I. Principles of insurable interest.
II. Principles- Utmost good faith.
III. Principles- Indemnity.
IV. Principles- Subrogation and contribution.
V. Proximate cause.
b. Insured:- The insurer enters into an insurance contract with each person who seeks to participate in the scheme. each participant is known as the insured.
2. Principles of insurance:- Insurance work on the basis of some principles as under,-
I. Principles of insurable interest.
II. Principles- Utmost good faith.
III. Principles- Indemnity.
IV. Principles- Subrogation and contribution.
V. Proximate cause.
I. Principle of indemnity:-
The principle of indemnity arises under common law which requires that an insurance contract should be a contract of indemnity only and nothing more. this means that the loss or damage must be made good in such a manner that financially the insured should be neither better off nor worse off as a result of the loss.
The object of the principle is to place the insured after a loss in the same financial position as far as possible, as he occupied immediately before the loss.
The effect of this principle is to prevent the insured from making a profit out of his loss or gaining any benefit or advantage. Provided that the liability of the company shal in no case exceed in respect of each item the sum expressed in the said schedule to be insured thereon or IDV.
3.As per surveyor regulations 2015. CHAPTER IV
DUTIES AND RESPONSIBILITIES OF A SURVEYOR AND LOSS ASSESSOR
(1) The following, shall, inter alia, be the duties and responsibilities of a Surveyor and Loss Assessor:-
(c) maintaining confidentiality and neutrality without jeopardising the liability of the insurer and claim of the insured;
(i) commenting on the admissibility of the loss as also observance of warranty conditions under the policy contract;
(k) assessing liability under the contract of insurance;
(l) pointing out discrepancy, if any, in the policy wordings;
(m) satisfying queries of the insured/insurer and of persons connected thereto in respect of the claim/loss;
(n) recommending applicability of depreciation, percentage and quantum of depreciation;
(o) giving reasons for repudiation of claim, in case the claim is not covered by policy terms and conditions;
4. As per surveyor regulations 2015. CHAPTER VI, CODE OF CONDUCT
16. Every Surveyor and Loss Assessor shall-
(1) behave ethically and with integrity in the professional pursuits. Integrity implies not merely honesty but
fair dealings and truthfulness;
(2) strive for objectivity in professional and business judgment;
(3) act impartially, when acting on instructions from an insurer in relation to a policy holder’s claim under a
policy issued by that insurer;
5. STANDARD FORM FOR PRIVATE CAR PACKAGE POLICY
Whereas the insured by a proposal and declaration dated as stated in the Schedule which shall be the basis of this contract and is deemed to be incorporated herein has applied to the Company for the insurance hereinafter contained and has paid the premium mentioned in the schedule as consideration for such insurance in respect of accidental loss or damage occurring during the period of insurance.
NOW THIS POLICY WITNESSETH:
That subject to the Terms Exceptions and Conditions contained herein or endorsed or expressed hereon;
SECTION I. LOSS OF OR DAMAGE TO THE VEHICLE INSURED
The Company will indemnify the insured against loss or damage to the vehicle insured hereunder and / or its accessories whilst thereon
i. by fire explosion self ignition or lightning ;
ii. by burglary housebreaking or theft ;
iii. by riot and strike;
iv. by earthquake (fire and shock damage);
v. by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost;
vi. by accidental external means;
vii. by malicious act;
viii. by terrorist activity;
ix. whilst in transit by road rail inland-waterway lift elevator or air;
x. by landslide rockslide.
4. As per surveyor regulations 2015. CHAPTER VI, CODE OF CONDUCT
16. Every Surveyor and Loss Assessor shall-
(1) behave ethically and with integrity in the professional pursuits. Integrity implies not merely honesty but
fair dealings and truthfulness;
(2) strive for objectivity in professional and business judgment;
(3) act impartially, when acting on instructions from an insurer in relation to a policy holder’s claim under a
policy issued by that insurer;
5. STANDARD FORM FOR PRIVATE CAR PACKAGE POLICY
Whereas the insured by a proposal and declaration dated as stated in the Schedule which shall be the basis of this contract and is deemed to be incorporated herein has applied to the Company for the insurance hereinafter contained and has paid the premium mentioned in the schedule as consideration for such insurance in respect of accidental loss or damage occurring during the period of insurance.
NOW THIS POLICY WITNESSETH:
That subject to the Terms Exceptions and Conditions contained herein or endorsed or expressed hereon;
SECTION I. LOSS OF OR DAMAGE TO THE VEHICLE INSURED
The Company will indemnify the insured against loss or damage to the vehicle insured hereunder and / or its accessories whilst thereon
i. by fire explosion self ignition or lightning ;
ii. by burglary housebreaking or theft ;
iii. by riot and strike;
iv. by earthquake (fire and shock damage);
v. by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost;
vi. by accidental external means;
vii. by malicious act;
viii. by terrorist activity;
ix. whilst in transit by road rail inland-waterway lift elevator or air;
x. by landslide rockslide.
Reasons for supplementary estimate acceptance for visible / invisible parts :-
1.
Insurance policy contract has not details of words as Final Repair Estimate or Supplementary Repair Estimate. Insurer has a contract with insured as the form of insurance policy with terms and conditions. Insurer or insured has not a legal contract about it with Repairer. But as per insurance policy contract, have a principle of indemnity. It is very important for all of us.
So as per my opinion it should not be a matter for supplementary estimate that these demanded damages in supplementary estimate are visible or invisible.If damages are genuine, fresh and co related with the cause of accident and nature of accident than Insurer should accept the the supplementary estimate with the opinion of concern Surveyor, (as like final estimate way). We and Insurer should follow the principle of Indemnity.
2. Regarding ----claim no.-98000031170391065940, UP16BM-6922, A/C. Mrs. Meenu Pilania.
i. Fender rhs---------------------Supplementary estimate------Visible part------------damage--fresh & correlated with the cause of accident.
ii. Front door rhs--------------- Supplementary estimate------Visible part------------damage--fresh & correlated with the cause of accident.
iii. Front cross-------------------Supplementary estimate------Invisible part-----------damage--fresh & correlated with the cause of accident.
Repairer could not demand above these parts in final estimate by mistake. But as per me these parts had fresh damages & these were correlated with the cause of accident. So as per my opinion, insurer should accept the supplementary estimate to consider it in loss assessment.
3.
Final Survey date---------------------------15.06.2017.
Supplementary estimate date----------15.06.2017.
While I was conducting the Final survey job on dated 15.06.2017, at Vipul Motors, Sector-63, Noida, U.P., I & Repairer noticed that some damaged parts were missing in the final estimate. So same day, Repairer prepared a supplementary estimate for the same & gave it to me as hard copies. After that, I personally visited on same day to Insurance office-NIAC DO-63, Noida, U.P. & took the approval of acceptance from official of insurer.
Note:- As per,- a Surveyors meeting with previous Office In-charge Shri Rajveer Singh ji and with Regional Manager,
If a supplementary estimate comes for visible parts in any claim on the first day of final survey and if it will be provide to insurance company for acceptance on the first day of final survey, than Insurance company will accept the supplementary estimate for visible parts.
So as per Surveyors Meeting with Previous office In-charge , this Supplementary estimate also should be accept.
4. Please think, Insured is a common man. He/she knows, how to drive the car. He has been taken a Comprehensive Motor Package insurance policy from Maruti Dealer outlet for risk coverage of his/her car. He/she knows about only accident incident. Most of the time, Insureds do not have proper knowledge of parts & labour work relating with vehicle car.
After the accident, Insured bring his car in to the Maruti Dealer Authorised workshop for repairing work. There side he/she fill the claim-form, claim intimation letter, with all details and explain the accident incident to Workshop adviser. Than he return back from Workshop. After some time, when Adviser will free, He will prepare a online estimate for repair work & will intimate the claim via online system.
It's clear mean Insured has no role / fault in estimate preparation. Insured has no legal binding for estimate & it's mistakes with Repairer. If we will not consider the supplementary estimate for genuine damaged parts. Than Repairer will charge for it from insured or Repairer will not do the repair work as per supplementary estimate. Its clear mean that only insured will be a sufferer.
So we should understand the problem of insured, Principle of Indemnity, Duties & Responsibilities- Code of Conduct of Surveyor as per Surveyor Regulations 2015. Than we should take the decision of supplementary estimate acceptance.
It is a wrong perception, that Supplementary estimate only for hidden or invisible parts. Still I have not been seen any term-condition, exclusion in policy contract wordings. Otherwise Repair estimate is a estimate. We have been given the name as Final Estimate and Supplementary estimate. Policy contract has no such words as final or supplementary estimates.
With regards,
Ashok Kumar Singh.
Surveyor & Loss Assessor.
104, L-1, Ansal Housing, Golf Link-01,
Sector Omega-01, Builders Area, Near Pari Chowk,
Greater Noida, U.P..
201308.
31.07.2017.
Ashok Kumar Singh.
Oct 10, 2017, 2:58:52 AM10/10/17
to Insurance surveyors
Respected all,
Now days, I have felt that it is very tough to do the right work in Surveying loss assessment. Insurance company has been pressurising to Surveyors for favouring to insurer. Some Surveyor has been following the every instructions of insurers because Surveyors get the survey jobs by wish of Insurers & his earning income depends on insurers.
I have been seen some times that Officials says to us that Insurer has a line of standing Surveyors to wait to get the empanelment . If you will not follow our guidelines then we will depanel you immediately. it is a type of threatening. It is also not good for anyone.
Some peoples think that we earn the money by insurance company only due to wish of them. They don't think that we are qualified persons and we are as per Indian constitutional laws. Our,s working also as per Laws. We also do work hard to earn the money. We have not been getting (earning) money as free from insurance company.
Please think, insured also has a right to appoint a Surveyor by his choice and he also says same things as above then, Should we follow the insured's guidelines rather then insurance policy contract.
I want to share one thing,
What is the meaning or definition of good work as says "Achha Kaam" in insurance surveying, for a Surveyor.
1. Who follows the instructions / guidelines of insurers as blindly.
Or
2. Who follows only the policy contract wordings.
It is very tough to do survey work with rightly laws. Because our earnings are totally dependent on wish of insurer.
It is very true that we are very dependent for earning income on Insurance company. But we are human and we also want to earn & live, with self respect in society. We have not done any mistake to became as a Surveyor & Loss Assessor. It is also a necessary part (as professional) of Insurance industry as per insurance act of India.
I am very firm for right practice. I will never leave the right path. Either I could get Survey jobs or not from insurers.
Regards,
Ashok Kumar Singh.
Surveyor & Loss Assessor.
104, L-1, Ansal Housing, Golf Link-01,
Sector-Omega-01, Builders Area, Near Pari Chowk,
Greater Noida, U.P..
201308.
9891373920.
10.10.2017.
I am sharing one Hindi story for Unity to Surveyors.
एक समय की बात है कि कबूतरों का एक दल आसमान में भोजन की तलाश में उड़ता हुआ जा रहा था। गलती से वह दल भटक कर ऐसे प्रदेश के ऊपर से गुजरा, जहां भयंकर अकाल पड़ा था।
कबूतरों का सरदार चिंतित था। कबूतरों के शरीर की शक्ति समाप्त होती जा रही थी। शीघ्र ही कुछ दाना मिलना जरूरी था। दल का युवा कबूतर सबसे नीचे उड़ रहा था। भोजन नजर आने पर उसे ही बाकी दल को सूचित करना था।
बहुत समय उड़ने के बाद कहीं वह सूखाग्रस्त क्षेत्र से बाहर आया। नीचे हरियाली नजर आने लगी तो भोजन मिलने की उम्मीद बनी। युवा कबूतर और नीचे उड़ान भरने लगा।
तभी उसे नीचे खेत में बहुत सारा अन्न बिखरा नजर आया 'चाचा, नीचे एक खेत में बहुत सारे दाने बिखरे पड़े हैं। हम सबका पेट भर जाएगा।’
सरदार ने सूचना पाते ही कबूतरों को नीचे उतरकर खेत में बिखरा दाना चुनने का आदेश दिया। सारा दल नीचे उतरा और दाना चुगने लगा। वास्तव में वह दाना पक्षी पकड़ने वाले एक बहलिए ने बिखेर रखा था। ऊपर पेड़ पर तना था उसका जाल। जैसे ही कबूतर दल दाना चुगने लगा, जाल उन पर आ गिरा। सारे कबूतर फंस गए।
कबूतरों के सरदार ने माथा पीटा 'ओह! यह तो हमें फंसाने के लिए फैलाया गया जाल था। भूख ने मेरी अक्ल पर पर्दा डाल दिया था। मुझे सोचना चाहिए था कि इतना अन्न बिखरा होने का कोई मतलब है। अब पछताए होत क्या, जब चिड़िया चुग गई खेत?'
एक कबूतर रोने लगा, बोला, 'हम सब मारे जाएंगे।'
बाकी कबूतर तो हिम्मत हार बैठे थे, पर सरदार गहरी सोच में डूबा था। एकाएक उसने कहा 'सुनो, जाल मजबूत है यह ठीक है, पर इसमें इतनी भी शक्ति नहीं कि एकता की शक्ति को हरा सके। हम अपनी सारी शक्ति को जोड़ें तो मौत के मुंह में जाने से बच सकते हैं।'
युवा कबूतर फड़फड़ाया 'चाचा! साफ-साफ बताओ तुम क्या कहना चाहते हो। जाल ने हमें तोड़ रखा है, शक्ति कैसे जोड़ें?'
सरदार बोला, 'तुम सब चोंच से जाल को पकड़ो, फिर जब मैं फुर्र कहूं तो एक साथ जोर लगाकर उड़ना।'
सबने ऐसा ही किया। तभी जाल बिछाने वाला बहेलियां आता नजर आया। जाल में कबूतर को फंसा देख उसकी आंखें चमकीं। हाथ में पकड़ा डंडा उसने मजबूती से पकड़ा व जाल की ओर दौड़ा।
बहेलिया जाल से कुछ ही दूर था कि कबूतरों का सरदार बोला, 'फुर्रर्रर्र!'
सारे कबूतर एक साथ जोर लगाकर उड़े तो पूरा जाल हवा में ऊपर उठा और सारे कबूतर जाल को लेकर ही उड़ने लगे। कबूतरों को जाल सहित उड़ते देखकर बहेलिया अवाक रह गया। कुछ संभला तो जाल के पीछे दौड़ने लगा।
कबूतर सरदार ने बहेलिए को नीचे जाल के पीछे दौड़ते पाया तो उसका इरादा समझ गया। सरदार भी जानता था कि अधिक देर तक कबूतर दल के लिए जाल सहित उड़ते रहना संभव न होगा। पर सरदार के पास इसका उपाय था।
निकट ही एक पहाड़ी पर बिल बनाकर उसका एक चूहा मित्र रहता था। सरदार ने कबूतरों को तेजी से उस पहाड़ी की ओर उड़ने का आदेश दिया। पहाड़ी पर पहुंचते ही सरदार का संकेत पाकर जाल समेत कबूतर चूहे के बिल के निकट उतरे।
सरदार ने मित्र चूहे को आवाज दी। सरदार ने संक्षेप में चूहे को सारी घटना बताई और जाल काटकर उन्हें आजाद करने के लिए कहा। कुछ ही देर में चूहे ने वह जाल काट दिया। सरदार ने अपने मित्र चूहे को धन्यवाद दिया और सारा कबूतर दल आकाश की ओर आजादी की उड़ान भरने लगा।
सीखः बड़ी से बड़ी विपत्ति का सामना एकजुट होकर ही किया जा सकता है।
Ashok Kumar Singh.
Oct 14, 2017, 10:48:08 AM10/14/17
to Insurance surveyors
Respected all,
Some Days before I sent an email to various officers of NIAC & some of my friends regarding Survey job allotments, some experiences & some suggestions. I have been seen & heard from others that some particulars Surveyors (most of them are very new entry) has been getting too too much survey jobs in different different locations of North India. I have been seen that only one surveyor (New Entry) has been getting all Newmar survey job allotments for 04 Maruti Service Zone workshops of Noida, U.P. since 05 September 2017.
Survey job allotments to me has been stopped since 05 September 2017. Then I have been felt that it is not good for Surveyor fraternity & society. Our Prime Minister Mr. N K Modi ji says, "Sabka Sath Sabka Vikas". But as per NIAC Survey job allotments, Insurance company is encouraging to only some particular surveyors for development. I could not understand what is the insurance company planing. Although It is absolutely true that Insurance company has a right to appoint a Surveyor by their choice for claim survey job. And we are dependent on choice.
I received one reply email of it from Shri Anoop ji & Anoop ji also sent this email to Vigilance Department NIAC HO Mumbai. After that I received a phone call of Vigilance officer at sharp 9:15 A.M. on dated 12.10.2017. He inquired me about the complaint matter. I told him that I did not make any complaint, although I had given an email regarding for thanks, for experience & for suggestions. He told me that yours email content was an complaint type email. Then I told him --OK. I told him thanks for fast early initiative action as phone calling to me. He was very nice man as per talks. He offered to me for interaction meeting regarding complaint matter. He also again demanded a formal complaint & confirmation of email complaint. He received my complaint by Vigilance office NIAC, H.O. Mumbai on just one day before.
Then I informed all matters to my friends & Shri Anoop ji. I and my friends discussed the matter & ready to meet with Vigilance officer at Mariti Nodal Office, Naurang House, K G Marg, C.P. New Delhi at 3:00 P.M. on dated 12.10.2017.
We 07 Surveyors as under visited to Maruti New India Nodal office Delhi & met with Vigilance officer & explained the all matters in details to him. He arranged a meeting in closed room as confidential way. I gave him a new hand written complaint regarding unequal survey survey job allotments & stop the survey job allotments to me, with signature of my friend Surveyors. Meeting was very good. We all were very happy. And after the meeting we all were hoping for justice.
Surveyors Name, who were present in meeting.
Mr. Ram Awadh ji,
Mr. Atul Garg ji,
Mr. Sanjay Chpra ji,
Mr. Lalit Mohan Tiwari JI,
Mr. Amit Kumar JI,
Mr. Vipin Agarwal JI
&
Myself.
Now I am saying thanks to Shri Anoop ji. He took the right step for complaint. He wrote good things & encouraged to us.
I am saying thanks to all above listed Surveyors, those motivated to me to take the right steps. Especially to Mr. Sanjay Chopra ji, who appreciated & encouraged to me for my email & further steps.
I want to say some things to all,
We all are qualified persons. Surveyor is a need for loss assessment in General insurance business as per Indian constitutional laws as Insurance Act.
1. Do not bear the injustice, fight for justice.
2. Bring courage in yourself, to say right things to anyone.
3. Do not sacrifice with self respect.
4. Honesty is the best policy.
5. Believe in yourself.
6. Truth always win.
Thanks, with regards,
Ashok Kumar Singh.
Surveyor & Loss Assessor.
Greater Noida, U.P..
201308.
9891373920.
13.10.2017.
On Sunday, October 8, 2017 at 11:54:44 AM UTC+5:30, Ashok Kumar Singh. wrote:
From: "Ashok Kumar"<ashok.1224@rediffmail.com>
Sent: Mon, 31 Jul 2017 19:43:19
To: <raj....@newindia.co.in>
Cc: "POONAM RAI"<poona...@newindia.co.in>,"DIVYA GUPTA"<divya.gupta@newindia.co.in>,"alkamishra"<alka.mis...@newindia.co.in>,"ABHINANDAN CHOUDHARY"<abhinandan.chou...@newindia.co.in>,"neelabhchaturvedi"<neelabh.chatu...@newindia.co.in>
Ashok Kumar Singh.
Nov 17, 2017, 12:34:46 AM11/17/17
to Insurance surveyors
Respected all,
I am sharing one email,
Sent Items
Write
Re: Thanks for giving opportunity to work as Surveyor & Loss Assessor & to earn the money, by Newmar claims, from last many years to 06 September 2017.
"Ashok Kumar"<ashok...@rediffmail.com> to you & others
Fri, 17 Nov 2017 10:42:17 GMT+0530
Respected sir,
We have been seeing from a long time survey job deputation (Newmar claims and others) work from insurance company side is not in right direction. We have been feeling injustice in this way from insurance company side. It is going on with partiality.
We have been feeling that
Qualifications, ability, right style of working of Surveyors has no matter in preference for survey job deputation for insurance company.
We had been given an complaint combindly by 07 Surveyors to VIgilance officer NIAC Dro 01 New Delhi on dated 13.10.2017.
But still we have not been received any reply / solution from insurance company side. Still some wrong style of working is running on, in claim deputation system.
We are feeling that insurance company is not taking seriously to our complaint. If we will not received satisfactorily reply / solution from insurance company side then we will go to next level of complaint,- CVO, IRDAI, MOF, PMO.
So I am once again requesting you, please take it seriously and give us the reply / solution regarding our complaint.
Thanks, with regards,
Ashok Kumar Singh.
Surveyor and Loss Assessor.
Greater Noida U.P..
201308.
9891373920.
17.11.2017.
Sent from RediffmailNG on Android
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On Sunday, October 8, 2017 at 11:54:44 AM UTC+5:30, Ashok Kumar Singh. wrote:
I am sharing one email,
Sent Items
Write
Re: Thanks for giving opportunity to work as Surveyor & Loss Assessor & to earn the money, by Newmar claims, from last many years to 06 September 2017.
"Ashok Kumar"<ashok...@rediffmail.com> to you & others
Fri, 17 Nov 2017 10:42:17 GMT+0530
Respected sir,
We have been seeing from a long time survey job deputation (Newmar claims and others) work from insurance company side is not in right direction. We have been feeling injustice in this way from insurance company side. It is going on with partiality.
We have been feeling that
Qualifications, ability, right style of working of Surveyors has no matter in preference for survey job deputation for insurance company.
We had been given an complaint combindly by 07 Surveyors to VIgilance officer NIAC Dro 01 New Delhi on dated 13.10.2017.
But still we have not been received any reply / solution from insurance company side. Still some wrong style of working is running on, in claim deputation system.
We are feeling that insurance company is not taking seriously to our complaint. If we will not received satisfactorily reply / solution from insurance company side then we will go to next level of complaint,- CVO, IRDAI, MOF, PMO.
So I am once again requesting you, please take it seriously and give us the reply / solution regarding our complaint.
Thanks, with regards,
Ashok Kumar Singh.
Surveyor and Loss Assessor.
Greater Noida U.P..
201308.
9891373920.
17.11.2017.
Sent from RediffmailNG on Android
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On Sunday, October 8, 2017 at 11:54:44 AM UTC+5:30, Ashok Kumar Singh. wrote:
Ashok Kumar Singh.
Nov 19, 2017, 12:51:45 AM11/19/17
to Insurance surveyors
Sharing some email conversations:-
Inbox
Write
Re: Thanks for giving opportunity to work as Surveyor & Loss Assessor & to earn the money, by Newmar claims, from last many years to 06 September 2017.
ramawadh singh <singh_aw...@yahoo.co.in> to you & others
Re: Thanks for giving opportunity to work as Surveyor & Loss Assessor & to earn the money, by Newmar claims, from last many years to 06 September 2017.
Sat, 18 Nov 2017 21:16:33 GMT+0530
To: Atul Garg <atul1...@rediffmail.com>, "vagar...@gmail.com" <vagar...@gmail.com>
Cc: "ashok...@rediffmail.com" <ashok...@rediffmail.com>, "rajesh...@newindia.co.in" <rajesh...@newindia.co.in>, "cmd...@newindia.co.in" <cmd...@newindia.co.in>, "segar....@newindia.co.in" <segar....@newindia.co.in>, "rajes...@newindia.co.in" <rajes...@newindia.co.in>, "vandan...@newindia.co.in" <vandan...@newindia.co.in>, "priyank...@newindia.co.in" <priyank...@newindia.co.in>, "nia.su...@newindia.co.in" <nia.su...@newindia.co.in>, "pradee...@newindia.co.in" <pradee...@newindia.co.in>, "rahul...@newindia.co.in" <rahul...@newindia.co.in>, "niam...@newindia.co.in" <niam...@newindia.co.in>, "niam...@gmail.com" <niam...@gmail.com>, "ak.s...@newindia.co.in" <ak.s...@newindia.co.in>, "aancha...@newindia.co.in" <aancha...@newindia.co.in>, "rajkumar...@newindia.co.in" <rajkumar...@newindia.co.in>, "drraj...@newindia.co.in" <drraj...@newindia.co.in>, "g.srin...@newindia.co.in" <g.srin...@newindia.co.in>, "shivpratapsi...@gmail.com" <shivpratapsi...@gmail.com>, "pankaj...@gmail.com" <pankaj...@gmail.com>, "amit...@yahoo.com" <amit...@yahoo.com>, "chop...@gmail.com" <chop...@gmail.com>, "mobeen...@gmail.com" <mobeen...@gmail.com>, "tyagiu...@gmail.com" <tyagiu...@gmail.com>, "uk.a...@gmail.com" <uk.a...@gmail.com>, "katari...@rediffmail.com" <katari...@rediffmail.com>, "sudhir_...@yahoo.co.in" <sudhir_...@yahoo.co.in>, "hmgu...@yahoo.co.in" <hmgu...@yahoo.co.in>, "satish.gro...@yahoo.com" <satish.gro...@yahoo.com>, "ersatis...@yahoo.com" <ersatis...@yahoo.com>, "lovke...@hotmail.com" <lovke...@hotmail.com>, "rkjai...@gmail.com" <rkjai...@gmail.com>, "spsin...@yahoo.co.in" <spsin...@yahoo.co.in>, "nktya...@gmail.com" <nktya...@gmail.com>, "lalits...@yahoo.co.in" <lalits...@yahoo.co.in>, "lalitgu...@gmail.com" <lalitgu...@gmail.com>, "lalitm...@yahoo.com" <lalitm...@yahoo.com>, "vats....@yahoo.com" <vats....@yahoo.com>, "najmul...@rediffmail.com" <najmul...@rediffmail.com>, "sandeep_...@hotmail.com" <sandeep_...@hotmail.com>, "uv_s...@rediffmail.com" <uv_s...@rediffmail.com>, "sharma...@yahoo.com" <sharma...@yahoo.com>, "s.anoo...@gmail.com" <s.anoo...@gmail.com>, "ck_b...@yahoo.co.in" <ck_b...@yahoo.co.in>, "ashwa...@gmail.com" <ashwa...@gmail.com>, "dhawan...@hotmail.com" <dhawan...@hotmail.com>, "gupta...@rediffmail.com" <gupta...@rediffmail.com>, "nkg...@gmail.com" <nkg...@gmail.com>, "ng.sri...@newindia.co.in" <ng.sri...@newindia.co.in>, "uk.a...@gmail.com" <uk.a...@gmail.com>, "kapilkumar...@gmail.com" <kapilkumar...@gmail.com>, "Brijend...@newindia.co" <Brijend...@newindia.co>, "arvinds...@gmail.com" <arvinds...@gmail.com>, INDER SAIN <innders...@rediffmail.com>, Dwarka Prasad <dpp...@yahoo.co.in>, Mrinal Kumar <mrin...@gmail.com>, Ds Rautela <dsraut...@gmail.com>
Respected sir,/Dear friends /IIISLA president/leaders,
In reference of earlier complaint made by Mr Ashok Kr. Singh and endorsed by Mr Atul. Mr Vipin, Mr LM Tiwari and others affected New India Maruti surveyors. A vigilance officer Mr. Vijendra Kumar Gupta was briefed by Ashok Singh and all concerned. A written explanation in response of inquiry was made to the vigilance officer, whom we have heard an honest and righteous officer out of more number of honest officers of The New India Assurance Co. Ltd.
The real question arises: are the surveyor helpless against the exploitation, injustice, excessive discretion(embedded with tempt/bias). Should they raise voice against misdeeds or not. IIISLA as a parent association of surveyors, IRDA as a controller of insurance sector, grievance cells of companies as a primary agency of the concerned matters, top officers as the representative of the state are not hearing the direction of govt or PM who wants to make the nation corruption free or more transparency in governance. Are the PM'S s lectures on transparency and corruption being undertaken as a slogan only, by the authorities.
If a surveyor reports or replies any officer, his state of neutrality, that, is taken as an arrogant. Remove his name from the panel would be words of officers. Should surveyor dissent on matters of irrelevant question that are against the spirit of this without prejudice in terms of survey and loss assessment.
I have several reasons to write above things as I have experienced in 3-4 years with The New India so called powerful RO officers, where more transparency is supposed to be seen and must be active too.
IIISLA leaders---Take this reminder of a surveyor as a challenge or perish with position.
In case of action/reaction failure from the concern authorities a deprived or many deprived have right to go fifth pillar of democracy.
Regards
Ram Avadh Singh
On Saturday, 18 November 2017 4:18 PM, Atul Garg <atul1...@rediffmail.com> wrote:
Dear All,
It is really very bad on the part of New India Assurance Co. that in-spite of various information and complaints no body is hearing and no action was taken till date.
Now if there will be no action than as Mr. Ashok says is correct that we should take up the matter with other higher authorities for further action.
We all are with you rather we are also the part of it.
Regards
ATUL KUMAR GARG
981316292
On Sat, 18 Nov 2017 13:53:09 +0530 Vipin Agarwal wrote
>
Respected Sir ,
Ashok Ji,
It is very surprising that after completing one month of meeting with Vigilance officer , Neither you have received any reply/response nor there is any change in surveyor deputation. There is no change in surveyor deputation system in Ghaziabad also.
The co. should take concern of our problem/complaint seriously.
On Fri, Nov 17, 2017 at 10:42 AM, Ashok Kumar wrote:
Respected sir,
We have been feeling thatQualifications, ability, right style of working of Surveyors  has no matter in preference for survey job deputation for insurance company.
We had been given an complaint combindly by 07 Surveyors to VIgilance officer NIAC Dro 01 New Delhi on dated 13.10.2017.
But still we have not been received any reply / solution from insurance company side. Still some wrong style of working is running on, in claim deputation system.
We are feeling that insurance company is not taking seriously to our complaint. If we will not received satisfactorily reply / solution from insurance company side then we will go to next level of complaint,- CVO, IRDAI, MOF, PMO.
So I am once again requesting you, please take it seriously and give us the reply / solution regarding our complaint.
Thanks, with regards,
Ashok Kumar Singh.Surveyor and Loss Assessor.
But still we have not been received any reply / solution from insurance company side. Still some wrong style of working is running on, in claim deputation system.
We are feeling that insurance company is not taking seriously to our complaint. If we will not received satisfactorily reply / solution from insurance company side then we will go to next level of complaint,- CVO, IRDAI, MOF, PMO.
So I am once again requesting you, please take it seriously and give us the reply / solution regarding our complaint.
Thanks, with regards,
Greater Noida U.P..
201308.
9891373920.
17.11.2017.
Sent from RediffmailNG on Android
From: "Ashok Kumar"
Sent: Sun, 8 Oct 2017 00:38:48 GMT+0530
To: "rajesh...@newindia.co.in"
Subject: Thanks for giving opportunity to work as Surveyor & Loss Assessor & to earn the money, by Newmar claims, from last many years to 06 September 2017.
Respected all,
First of all thanks to giving me the opportunity to work as a Surveyor & Loss Assessor & to earn the money with NIAC for Newmar claims, from last many years to 06 September 2017 under with NIAC DO Noida, U.P. (NIAC DRO-02, Delhi).
201308.
9891373920.
17.11.2017.
Sent from RediffmailNG on Android
From: "Ashok Kumar"
Sent: Sun, 8 Oct 2017 00:38:48 GMT+0530
To: "rajesh...@newindia.co.in"
Subject: Thanks for giving opportunity to work as Surveyor & Loss Assessor & to earn the money, by Newmar claims, from last many years to 06 September 2017.
Respected all,
I have been earned a very good amount via surveying from The New India Assurance Co Limited. But now approx from last 01 month, I have not been getting survey jobs allotment (Newmar claims) by The New India Assurance Co Ltd. I think that The New India Assurance company has better options of Surveyors as compare to me, and Insurance Company definitely shall want to join better options of Surveyors.
Nowadays (approx from last 01 month) only one Surveyor has been getting approx 80% survey jobs ( Newmar claims) of of total Newmar claims under NIAC DO Noida, U.P.. I could not understand what are the reasons on behind it. Is only one surveyor up to the level of The New India Assurance Co Ltd. Is it quality or Qualifications based preference. Still I could not understand the reasons. But The New India Assurance Company Limited is a biggest company of General Insurance Sector of India. It may be possible, It is a better decision for development of all or for betterment of society (as one Surveyor development).
Now, I want to share some suggestions for improvements in Motor claims as with my experience,-
1. Supplementary estimate:-
Customer is very important in any business & Customer,s satisfactions are too much important in business.
Supplementary estimate consideration in Motor claims is a very very big task & issue. Insurance company has issues for its visible or invisible status. I have been experienced that Insurance company has no matter for real damages & correlation with the cause of accident. It is very tough job to take the permission of supplementary estimate consideration in loss assessment from Insurance company.
To apply 50% depreciation on sealant kit under with Zero Dep Policy for first 02 claims.
Also note that following consumables items are payable to tune of max 50% irrespective of Zer dep or normal policy. (as attached herewith letter copy)
Surveyor is a neutral person for both as insured or insurer. Surveyor assess the loss as per policy contract. It is a duty of Surveyor as per Surveyor Regulations 2015. Surveyor has no matter as instructions for claim loss assessment. Still I have not been read any word as Consumable / about it,s coverage or it,s definition in insurance policy contract. I also could not find it in Policy exclusions.
As per my opinion-----It was a wrong instruction for surveyors.
Surveyor is a Independent neutral person. But above line is not good for surveyors. If he takes the directions in assessment from Insurers, it,s mean he is with prejudice in his survey work.
4. Inspection of Major loss claim vehicles by NIAC Officials as Duty of Insurance Surveyor:- It is not good practice as a duty of Surveyor
As per my opinion, It should not a duty of Insurance surveyor to arrange a visit of Insurance official to inspect the major loss vehicle (as pick & drop from Insurance office). Surveyor is not a Driver of any insurance company. But it is a very common practice.
5. Behaviour of Insurance officials.
We are not slaves. We also expect respect from insurance company.  Â
6. Young officers of NIAC:-Â
I have been experienced that Team of Young officers of NIAC  are very very good, mannered, cultured, with good communication skills  with good quality of understanding, with good Knowledge etc.......Â
At last once again thanks to all,
Regards,
Ashok Kumar Singh.
Surveyor & Loss Assessor.
104, L-1, Ansal Housing, Golf Link-01,
Greater Noida, U.P..
201308.
9891373920.
07.10.2017.
Sharing one email-----------Regarding supplementary estimate.Â
201308.
9891373920.
07.10.2017.
From: "Ashok Kumar" Sent: Mon, 31 Jul 2017 19:43:19To: Cc: "POONAM RAI" ,"DIVYA GUPTA" ,"alkamishra" ,"ABHINANDAN CHOUDHARY" ,"neelabhchaturvedi" Subject: Regarding supplementary estimate for visible parts----------------claim no.-98000031170391065940, UP16BM-6922, A/C. Mrs. Meenu Pilania.Â
Respected sir / Madam,Most of the insurance companies in India take the repair estimate copy with claim intimation letter but not all. Some surveyors or PSU insurers have some doubts about supplementary estimate for visible parts or for invisible parts. Now I want to share some points on it as under,-
Final Repair Estimate :- Mostly insurers take the detailed estimate before deputation of surveyors for indemnification. Insurer has a benefit of it that they appoint the surveyor as per level of loss (as amount of loss). These documents has with details of need of replacement parts and need of repair labour work from Repairers side are called Repair Estimate.Supplementary Estimate :- Some times Repairer, some visible / invisible parts or labour can not get in to final estimate.  Body shop adviser do not demand the some damaged parts (need of replacement) or Repair labour charges (need of repair labour work) in final estimate, due to position of hidden / invisible parts or due to as a human being mistake.
So Repairer prepare an another estimate for above type parts and it is called as supplementary estimate and send it to to insurer / Insurance Surveyor for consideration in loss assessment.Disputes:- Some Insurers or Surveyors has a opinion that supplementary estimate only for hidden or invisible parts. But as per my opinion it is a wrong perception of them.
First of all, I am sharing some definitions relating insurance.Â
 1. Insurance Contract :- An agreement enforceable by Law is a contract. Therefore, there must be an agreement and it should be enforceable by law.In insurance, the insurance policy is a contract (generally a standard form contract) between the insurer and the insured, known as the policyholder, which determines the claims which the insurer is legally required to pay.
a. Insurance:-Â Insurance may thus be defined as sharing of the losses of a few who are unfortunate to suffer such losses, amongst those exposed to similar uncertain events / situations.
b. Insured:-  The insurer enters into an insurance contract with each person who seeks to participate in the scheme. each participant is known as the insured.
Â
2. Principles of insurance:-Â Â Insurance work on the basis of some principles as under,-
 I. Principles of insurable interest.
II. Principles- Utmost good faith.
III. Principles- Indemnity.
IV. Principles- Subrogation and contribution.
V. Proximate cause.
The principle of indemnity arises under common law which requires that an insurance contract should be a contract of indemnity only and nothing more. this means that the loss or damage must be made  good in such a manner that financially the insured should be neither better off nor worse off as a result of the loss.
The object of the principle is to place the insured after a loss in the same financial position as far as possible, as he occupied immediately before the loss.
Â
3.As per surveyor regulations 2015. Â CHAPTER IV
 DUTIES AND RESPONSIBILITIES OF A SURVEYOR AND LOSS ASSESSOR
Â
(1) The following, shall, inter alia, be the duties and responsibilities of a Surveyor and Loss Assessor:-
Â
(c) maintaining confidentiality and neutrality without jeopardising the liability of the insurer and claim of the insured;
(i) commenting on the admissibility of the loss as also observance of warranty conditions under the policy contract;
(k) assessing liability under the contract of insurance;
(l) pointing out discrepancy, if any, in the policy wordings;
(m) satisfying queries of the insured/insurer and of persons connected thereto in respect of the claim/loss;
(n) recommending applicability of depreciation, percentage and quantum of depreciation;
(o) giving reasons for repudiation of claim, in case the claim is not covered by policy terms and conditions;
4. As per surveyor regulations 2015. CHAPTER VI,   CODE OF CONDUCT
(l) pointing out discrepancy, if any, in the policy wordings;
(m) satisfying queries of the insured/insurer and of persons connected thereto in respect of the claim/loss;
(n) recommending applicability of depreciation, percentage and quantum of depreciation;
(o) giving reasons for repudiation of claim, in case the claim is not covered by policy terms and conditions;
16. Every Surveyor and Loss Assessor shall-
(1) behave ethically and with integrity in the professional pursuits. Integrity implies not merely honesty but
fair dealings and truthfulness;
(2) strive for objectivity in professional and business judgment;
(3) act impartially, when acting on instructions from an insurer in relation to a policy holderâs claim under a
(1) behave ethically and with integrity in the professional pursuits. Integrity implies not merely honesty but
fair dealings and truthfulness;
(2) strive for objectivity in professional and business judgment;
policy issued by that insurer;Â
5. STANDARD FORM FOR PRIVATE CAR PACKAGE POLICY
Whereas the insured by a proposal and declaration dated as stated in the Schedule which shall be the basis of this contract and is deemed to be incorporated herein has applied to the Company for the insurance hereinafter contained and has paid the premium mentioned in the schedule as consideration for such insurance in respect of accidental loss or damage occurring during the period of insurance.
NOW THIS POLICY WITNESSETH:
That subject to the Terms Exceptions and Conditions contained herein or endorsed or expressed hereon;
SECTION I. LOSS OF OR DAMAGE TO THE VEHICLE INSURED
The Company will indemnify the insured against loss or damage to the vehicle insured hereunder and / or its accessories whilst thereon
i. by fire explosion self ignition or lightning ;
ii. by burglary housebreaking or theft ;
iii. by riot and strike;
iv. by earthquake (fire and shock damage);
v. by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost;
vi. by accidental external means;
vii. by malicious act;
viii. by terrorist activity;
ix. whilst in transit by road rail inland-waterway lift elevator or air;
x. by landslide rockslide.
Reasons for supplementary estimate acceptance for visible / invisible parts :-Â
1.
Insurance policy contract has not details of words as Final Repair Estimate or Supplementary Repair Estimate. Insurer has a contract with insured as the form of insurance policy with terms and conditions. Insurer or insured has not a legal contract about it with Repairer. But as per insurance policy contract, have a principle of indemnity. It is very important for all of us.
2. Regarding ----claim no.-98000031170391065940, UP16BM-6922, A/C. Mrs. Meenu Pilania.
i. Fender rhs---------------------Supplementary estimate------Visible part------------damage--fresh & correlated with the cause of accident.
iii. Front cross-------------------Supplementary estimate------Invisible part-----------damage--fresh & correlated with the cause of accident.
Repairer could not demand above these parts in final estimate by mistake. But as per me these parts had fresh damages & these were correlated with the cause of accident. So as per my opinion, insurer should accept the supplementary estimate to consider it in loss assessment.
3.
Final Survey date---------------------------15.06.2017.
Supplementary estimate date----------15.06.2017.
While I was conducting the Final survey job on dated 15.06.2017, at Vipul Motors, Sector-63, Noida, U.P., I & Repairer noticed that some damaged parts were missing in the final estimate. So same day, Repairer prepared a supplementary estimate for the same & gave it to me as hard copies. After that, I personally visited on same day to Insurance office-NIAC DO-63, Noida, U.P. & took the approval of acceptance from official of insurer.
Note:-Â As per,- a Surveyors meeting with previous Office In-charge Shri Rajveer Singh ji and with Regional Manager,
Repairer could not demand above these parts in final estimate by mistake. But as per me these parts had fresh damages & these were correlated with the cause of accident. So as per my opinion, insurer should accept the supplementary estimate to consider it in loss assessment.
3.
Final Survey date---------------------------15.06.2017.
Supplementary estimate date----------15.06.2017.
While I was conducting the Final survey job on dated 15.06.2017, at Vipul Motors, Sector-63, Noida, U.P., I & Repairer noticed that some damaged parts were missing in the final estimate. So same day, Repairer prepared a supplementary estimate for the same & gave it to me as hard copies. After that, I personally visited on same day to Insurance office-NIAC DO-63, Noida, U.P. & took the approval of acceptance from official of insurer.
If a supplementary estimate comes for visible parts in any claim on the first day of final survey and if it will be provide to insurance company for acceptance on the first day of final survey, than Insurance company will accept the supplementary estimate for visible parts.
So as per Surveyors Meeting with Previous office In-charge , this Supplementary estimate also should be accept.
4. Please think, Insured is a common man. He/she knows, how to drive the car. He has been taken a Comprehensive Motor Package insurance policy from Maruti Dealer outlet for risk coverage of his/her car. He/she knows about only accident incident. Most of the time, Insureds do not have proper knowledge of parts & labour work relating with vehicle car.
After the accident, Insured bring his car in to the Maruti Dealer Authorised workshop for repairing work. There side he/she fill the claim-form, claim intimation letter, with all details and explain the accident incident to Workshop adviser. Than he return back from Workshop. After some time, when Adviser will free, He will prepare a online estimate for repair work & will intimate the claim via online system.
So we should understand the problem of insured, Principle of Indemnity, Duties & Responsibilities- Code of Conduct of Surveyor as per Surveyor Regulations 2015. Than we should take the decision of supplementary estimate acceptance.
It is a wrong perception, that Supplementary estimate only for hidden or invisible parts. Still I have not been seen any term-condition, exclusion in policy contract wordings. Otherwise Repair estimate is a estimate. We have been given the name as Final Estimate and Supplementary estimate. Policy contract has no such words as final or supplementary estimates. Â
 Â
With regards,Ashok Kumar Singh.Surveyor & Loss Assessor.
104, L-1, Ansal Housing, Golf Link-01,
    Â
   Â
  Â
  Â
    Â
--
Regards
Vipin Kumar Aggrawal
Surveyor & Loss assessor
SD - 489, Shastri Nagar
Ghaziabad
Ph. 09818528382
Ashok Kumar Singh.
Nov 22, 2017, 1:35:39 AM11/22/17
to Insurance surveyors
Respected all,
Yesterday on dated 21.11.217, we again met with Vigilance Officer at NIAC DO Noida, U.P. , as per his desire for meeting (as I received his telephonic call on dated 20.11.2017) with us. We Ashok Kumar Singh, Atul Garg ji, Ram Awadh ji, Sanjay Chopra ji, Vipin Agarwal ji and Lalit Mohan Tiwari ji were available in meeting. We again explained our concerns to him. Vigilance Officer listen our complaint and feelings for disappointments properly in a closed room.
We also told him, that if we will not get the right justice from insurance company then we will approach to next level to get the justice like...pmo, Cvo, IRDAI, Cbi, Mof etc.
Meeting was very good and hopeful. We all are hoping that we will get the justice.
One Hindi quote:-
Yahan Der hai par andher nahi hai.
Request:-
If anyone other also facing / feeling injustice or same problems from NIAC. Please say about yours complaint to insurance company boldly in proper channel and proper way. If you will not say about yours complaints to higher authorities then how could you get justice. So please leave the fear and say the truth to insurance company.
Regards,
Ashok Kumar Singh.
Greater Noida U.P. .
9891373920.
22.11.2017.
On Sunday, October 8, 2017 at 11:54:44 AM UTC+5:30, Ashok Kumar Singh. wrote:
Yesterday on dated 21.11.217, we again met with Vigilance Officer at NIAC DO Noida, U.P. , as per his desire for meeting (as I received his telephonic call on dated 20.11.2017) with us. We Ashok Kumar Singh, Atul Garg ji, Ram Awadh ji, Sanjay Chopra ji, Vipin Agarwal ji and Lalit Mohan Tiwari ji were available in meeting. We again explained our concerns to him. Vigilance Officer listen our complaint and feelings for disappointments properly in a closed room.
We also told him, that if we will not get the right justice from insurance company then we will approach to next level to get the justice like...pmo, Cvo, IRDAI, Cbi, Mof etc.
Meeting was very good and hopeful. We all are hoping that we will get the justice.
One Hindi quote:-
Yahan Der hai par andher nahi hai.
Request:-
If anyone other also facing / feeling injustice or same problems from NIAC. Please say about yours complaint to insurance company boldly in proper channel and proper way. If you will not say about yours complaints to higher authorities then how could you get justice. So please leave the fear and say the truth to insurance company.
Regards,
Ashok Kumar Singh.
Greater Noida U.P. .
9891373920.
22.11.2017.
On Sunday, October 8, 2017 at 11:54:44 AM UTC+5:30, Ashok Kumar Singh. wrote:
Ashok Kumar Singh.
Dec 2, 2017, 9:25:11 AM12/2/17
to Insurance surveyors
Regarding NIAC Newmar Surveyor Deputation VIgilance complaint.
Respected Surveyor,
Today (01.12.2017) I have again received phone call of Vigilance Officer Mr. B. K. Gupta regarding complaint investigation. He is again asking, some Cities Names, where only one surveyor or very few surveyors has been getting the survey jobs from last approx 03 months.
It was our main complaint.
As per me, One city is Noida, U.P..
I am requesting you, if you have been getting some problems or injustice in this matter, please share with us or Vigilance officer.
I have been given the time limit for his investigation requirement up to today working office haurs. He has to submit the complete Investigation report to higher authorities soon.
If we will say to higher authorities about injustice then we can get justice from higher authorities.
Vigilance officer mobile number- 8588999866.
Email I'd :- Brijend...@newindia.co.in
Regards,
Ashok Kumar Singh.
Greater Noida U.P..
9891373920.
What's app number:-
9953136774.
01.12.2017.
On Sunday, October 8, 2017 at 11:54:44 AM UTC+5:30, Ashok Kumar Singh. wrote:
Respected Surveyor,
Today (01.12.2017) I have again received phone call of Vigilance Officer Mr. B. K. Gupta regarding complaint investigation. He is again asking, some Cities Names, where only one surveyor or very few surveyors has been getting the survey jobs from last approx 03 months.
It was our main complaint.
As per me, One city is Noida, U.P..
I am requesting you, if you have been getting some problems or injustice in this matter, please share with us or Vigilance officer.
I have been given the time limit for his investigation requirement up to today working office haurs. He has to submit the complete Investigation report to higher authorities soon.
If we will say to higher authorities about injustice then we can get justice from higher authorities.
Vigilance officer mobile number- 8588999866.
Email I'd :- Brijend...@newindia.co.in
Regards,
Ashok Kumar Singh.
Greater Noida U.P..
9891373920.
9953136774.
01.12.2017.
On Sunday, October 8, 2017 at 11:54:44 AM UTC+5:30, Ashok Kumar Singh. wrote:
Ashok Kumar Singh.
Dec 10, 2017, 1:24:23 AM12/10/17
to Insurance surveyors
I am sharing one email:-...
To
C...@newindia.co.in
And so many officials of NIAC.
आदरणीय महोदय,
लगभग 2 माह पहले मैंने न्यू इंडिया एश्योरेंस कंपनी के तमाम बड़ें अधिकारियों को निराशाजनक अनुभव व धन्यवाद के लिए एक ईमेल लिखा था। मेरे एक साथी ने उसी ईमेल को विजिलेंस विभाग न्यू इंडिया एश्योरेंस कंपनी मुम्बई को फारवर्ड कर दिया था।
जिसके आधार पर विजिलेंस विभाग बीमा कंपनी ने मुझसे समपर्क किया और एक सत्यापित लिखित शिकायत पत्र की मांग की। मैं और मेरे कुछ साथियों ने सामूहिक रूप से एक नया हस्तलिखित शिकायत पत्र न्यू इंडिया एश्योरेंस कंपनी के विजिलेंस अधिकारी को दिया। और उनको अपनी समस्त समस्याओं से अवगत कराया। आज इस बात को लगभग 02 माह का समय बीत चुका है।
इस दौरान विजिलेंस अधिकारी से 4-5 बार टेलीफोन पर बात भी हुई हैं तथा एक बार दुबारा से मुलाकात भी हुई हैं।
अब मैं एक बार दुबारा से अपनी शिकायत को दोहरा रहा हूँ।
न्यू इंडिया एश्योरेंस कंपनी से बहुत सारे सर्वेयर को अचानक से, अकारण ही सर्वे कार्य मिलना बन्द हो गया है।
बहुत सारे सर्वेयर को अचानक से से ही बहुत कम नाममात्र को काम मिलने लगा है।
कुछ सर्वेयर को बहुत अधिक सर्वे कार्य मिलने लगा। कुछ वर्कशाप पर सिर्फ और सिर्फ एक ही सर्वेयर को सर्वे कार्य मिलने लगा।
और यह अधिक सर्वे कार्य मिलने वाले सर्वेयर का चुनाव, उनकी विशिष्ट योग्यता या अनुभव के आधार पर नहीं हुआ है।
हमारे देश के प्रधानमंत्री जी कहते है सबका साथ सबका विकास लेकिन न्यू इंडिया एश्योरेंस कंपनी इस मत से अलग चल रही है वह सिर्फ कुछ लोगों के विकास में ही लगी हुई है।
मेरी शिकायत न्यू इंडिया एश्योरेंस कंपनी में चल रही कुछ गलत कार्यप्रणाली को लेकर भी थी।
एक बीमा सर्वेयर का काम बीमा के अन्तर्गत नुकसान का आकलन करना होता है। सामान्यतः बीमा कंपनी ही सर्वेयर को सर्वे कार्य देती है।
बीमा कंपनी किस सर्वेयर को सर्वे कार्य दे या किस सर्वेयर को बिलकुल भी कार्य न दे । किस को कम दे या किस को ज्यादा दे। यह सब बीमा कंपनी के अधिकारियों की पसंद पर निर्भर करता है। क्योकि सर्वे कार्य को देने के लिए बीमा रेगुलेटर ने बीमा कंपनी के लिए कोई नियम नहीं बनाया है।
अतः सर्वेयर को सर्वे कार्य मिलना सिर्फ बीमा कंपनी के अधिकारियों की पसंद पर निर्भर करता है।
यह अलग बात है कि बीमाधारक भी अपनी पसंद से सर्वेयर को लगा सकता है।
अब सवाल यह उठता है कि बीमा कंपनी के अधिकारी किस प्रकार के सर्वेयर, किस प्रकार के आचरण वाले सर्वेयर को पसंद करेंगी या कहें कि एक सर्वेयर होने के नाते किस प्रकार का व्यवहार करना चाहिए ताकि जीवनयापन के लिए अधिक या पर्याप्त धन कमा सके। या कहें कि किस प्रकार के व्यवहार से बीमा कंपनी से ज्यादा सर्वे कार्य ले सके।
मैं कुछ प्रकार का सम्भावित आचरण आपसे साझा कर रहा हूँ।
1 निष्पक्षता के साथ बीमा सर्वे कार्य करना चाहिए।
2 सर्वे कार्य में बीमा नियमों का पूर्ण रूप से पालन करना चाहिए। नुकसान आकलन में बीमा पॉलिसी का अनुसरण करना चाहिए।
3 सर्वेयर रेगुलेशन 2015 के अनुसार- काड आफ कन्डकट तथा ड्यूटी जिम्मेदारी का निर्वाह करना चाहिए।
या
लेकिन यह तय नहीं है कि बीमा कंपनी उपरोक्त गुणों को पसंद करतीं हैं या
1 निष्पक्षता छोड़ कर,
बीमा कंपनी के हित को ध्यान में रखकर सर्वे कार्य करना चाहिए।
2 बीमा कंपनी की मर्जी के साथ नुकसान का आकलन करना चाहिए। पहली प्राथमिकता हमेशा बीमा कंपनी होनी चाहिए।
आजकल सर्वे कार्य किस प्रकार से मिलता है यह लगभग सभी लोग जानते हैं ।
कुछ लोगों का मानना है कि
सर्वेयर की योग्यता, निष्पक्षता, निपुणता, अनुभव, क्षेत्र में उपलब्धता, ईमानदारी, इत्यादि को ध्यान में रखकर।
लेकिन मैं अनुभव कर रहा हूँ कि न्यू इंडिया एश्योरेंस कंपनी में उपरोक्त गुणों के आधार पर सर्वेयर को कार्य नहीं दिया जा रहा है।
यह सच है कि हमारी शिकायत के बाद कुछ नये सर्वेयर को न्यू इंडिया एश्योरेंस कंपनी में जोड़ा गया है। लेकिन किस आधार पर इनका नाम जोड़ा गया है। इसकी जानकारी मुझे नहीं है।
मुझे ऐसा लग रहा है कि यहाँ पर योग्यता, अनुभव, कार्य क्षेत्र व निष्पक्षता को वरीयता नहीं दी जा रही है।
निराशा इस बात की भी है कि शिकायत का इतना लम्बा समय हो गया है लेकिन इसमें कोई भी सुधार नहीं हुआ है।
अशोक कुमार सिंह
ग्रेटर नोएडा उत्तर प्रदेश।
9891373920
10/12/2017
On Sunday, October 8, 2017 at 11:54:44 AM UTC+5:30, Ashok Kumar Singh. wrote:
Ashok Kumar Singh.
Dec 21, 2017, 2:50:37 AM12/21/17
to Insurance surveyors
Respected all,
I am sharing new updates as for complaint:-
Complaint to ministry & action:-
On Sunday, October 8, 2017 at 11:54:44 AM UTC+5:30, Ashok Kumar Singh. wrote:
From: "Ashok Kumar"<ashok.1224@rediffmail.com>
Sent: Mon, 31 Jul 2017 19:43:19
To: <raj....@newindia.co.in>
Cc: "POONAM RAI"<poona...@newindia.co.in>,"DIVYA GUPTA"<divya.gupta@newindia.co.in>,"alkamishra"<alka.mis...@newindia.co.in>,"ABHINANDAN CHOUDHARY"<abhinandan.chou...@newindia.co.in>,"neelabhchaturvedi"<neelabh.chatu...@newindia.co.in>
Ashok Kumar Singh.
Dec 23, 2017, 1:03:29 AM12/23/17
to Insurance surveyors
Respected all,
I am sharing email conversation via emails with The New India Assurance Co Ltd,on today-- date--22.12.2017.
Respected all,
After Approx 84 days of my complaint, I have been received reply answer From The New India Assurance Co Ltd, for my first email dated 07.10.2017. There is an extra ordinary delay in reply. But finally I have been received the answer from NIAC. I say thanks to official of Nodal Office- The New India Assurance Co Ltd for reply.
But NIAC reply EMAIL matter are very wrong. It is not true. It is a baseless allegation on me. Myself is very active & aware on computer related matters. I had uploaded the photographs of damaged vehicle in each & every claim. I also uploaded Survey Report copy in each & every claim. I also uploaded R.C, DL & Selfie photographs in each & every claim. I also uploaded Claim form in maximum cases.
So yours allegation is very wrong. It is very disappointing to me.
NIAC DO Noida never told me about these things via verbally or via email. NIAC DO Noida does not settle the claim without these uploaded photographs.
As per yours reply email,---
It was found that none were uploaded for any claim in your case even after multiple mails from our office stating the importance of the same, reference mail dtd. 29/05/2017 attached.
It is totally baseless reply & False reply. Yours reply is one sided reply. I am not agree & satisfy with yours reply.
My suggestion to you, before writing the reply, you should checked the whole matter.
It is a injustice with me, I will keep fight to get the justice till Fare Justice. I will go to higher Authorities to get the justice.
One more information:-
My complaint was not for individual (as for me). It was a cumulative complaint for so many Surveyors. So many Surveyors got suffered due to yours due to yours without reason decision. Please think.
Any way, At last thanks to All official of The New India Assurance Co Ltd.
But NIAC reply EMAIL matter are very wrong. It is not true. It is a baseless allegation on me. Myself is very active & aware on computer related matters. I had uploaded the photographs of damaged vehicle in each & every claim. I also uploaded Survey Report copy in each & every claim. I also uploaded R.C, DL & Selfie photographs in each & every claim. I also uploaded Claim form in maximum cases.
So yours allegation is very wrong. It is very disappointing to me.
NIAC DO Noida never told me about these things via verbally or via email. NIAC DO Noida does not settle the claim without these uploaded photographs.
As per yours reply email,---
It was found that none were uploaded for any claim in your case even after multiple mails from our office stating the importance of the same, reference mail dtd. 29/05/2017 attached.
It is totally baseless reply & False reply. Yours reply is one sided reply. I am not agree & satisfy with yours reply.
My suggestion to you, before writing the reply, you should checked the whole matter.
It is a injustice with me, I will keep fight to get the justice till Fare Justice. I will go to higher Authorities to get the justice.
One more information:-
My complaint was not for individual (as for me). It was a cumulative complaint for so many Surveyors. So many Surveyors got suffered due to yours due to yours without reason decision. Please think.
Any way, At last thanks to All official of The New India Assurance Co Ltd.
With regards,
Ashok Kumar Singh.
Surveyor & Loss Assessor.
104, L-01, Ansal Housing, Golf Link-01,
Sector-Omega-01, Builders Area, Near Pari Chowk,
Sector-Omega-01, Builders Area, Near Pari Chowk,
Greater Noida, U.P..
201308.
9891373920.
SLA-72755.
NIAC ID------1D10151275.
22.12.2017.
NIAC ID------1D10151275.
22.12.2017.
Reply email immediately after receiving the mail date-----------------22.12.2017.
Re: Non-allotment of survey jobs since 06 September 2017
From: Ashok Kumar <ashok...@rediffmail.com> on Fri, 22 Dec 2017 17:22:40 Add to address bookTo: 5 recipients | See DetailsRespected Sir,
First of all thanks for your faster reply. I have been submitted the damaged vehicle photographs for all deputated claim vehicle.
I have not been received any email for any specific vehicle from insurance office side.
Yours information is totally wrong. I am not agreed with you.
Regards,
Ashok Kumar Singh.
Surveyor and Loss Assessor.
Greater Noida U. P..
9891373920.
22.12.2017.
Sent from RediffmailNG on Android
From: Delhi Auto Hub <niam...@gmail.com>
Sent: Fri, 22 Dec 2017 17:10:59 GMT+0530
To: Ashok Kumar <ashok...@rediffmail.com>
Subject: Non-allotment of survey jobs since 06 September 2017
Sent: Fri, 22 Dec 2017 17:10:59 GMT+0530
To: Ashok Kumar <ashok...@rediffmail.com>
Subject: Non-allotment of survey jobs since 06 September 2017
Sir,
With reference to your query dtd. 08/10/2017 and subsequent mails regarding non-allotment of survey jobs, it is to inform that there is regular monitoring of surveyor's work on the basis of documents/photographs which are uploaded by them on surveyor portal/mobile app. It was found that none were uploaded for any claim in your case even after multiple mails from our office stating the importance of the same, reference mail dtd. 29/05/2017 attached.
You are requested to go through and comply with the mentioned activities and contact us or local office for any queries.
Regards
Rahul Singh
Administrative Officer
Delhi Auto Hub-980000On Sunday, October 8, 2017 at 11:54:44 AM UTC+5:30, Ashok Kumar Singh. wrote:
From: "Ashok Kumar"<ashok.1224@rediffmail.com>
Sent: Mon, 31 Jul 2017 19:43:19
To: <raj....@newindia.co.in>
Cc: "POONAM RAI"<poona...@newindia.co.in>,"DIVYA GUPTA"<divya.gupta@newindia.co.in>,"alkamishra"<alka.mis...@newindia.co.in>,"ABHINANDAN CHOUDHARY"<abhinandan.chou...@newindia.co.in>,"neelabhchaturvedi"<neelabh.chatu...@newindia.co.in>
Ram Awadh
Dec 24, 2017, 8:11:10 AM12/24/17
to insurance...@googlegroups.com
Today at 15:22
Dear Sir,
Justice delayed is justice denied been proved in the concern case. Every citizen of the country must have the duty to develop the scientific temper,humanism and the spirit of inquiry and reform. Those who are in public service, can not escape from the fundamental duties. If and in, so far, as the concern case involves any question of unfairness /unjustified decision on which the existence or extent of administrative lapses by the executives. or deprivation to the surveyors equally placed in equal circumstances are done or being done certainly there arise a matter of legality and illegality. The concerned higher authorities time and again were informed or being informed/requested by the deprived surveyors.
Excessive discretion by the officers of a public company as a private opinion are violation to equity , justice and good conscience. The injustice or disproportionate/ largely differ distribution can not be defined under discretion/ discretionary power of officials. Higher authorities have more reason to believe in the case and like cases across the country.
Request to Finance minister /secretary:-
Dear Sir,
The finance ministry is sole operational in charge through chairman cum managing director of the concerned insurance company. Discretionary powers are conferred with a duty attached to the exercise of that power where the power and duty to exercise it, go together. Here in the case unequal distribution apparently are visible, however practically/ in records may be more differ than explained to vigilance officer, still administration considered himself immune from all short of irregularities going on in administration of a public company office concerned. The situation is alarming. The directives of the government are also in the line of good governance, and people consciousness that is only hope as so to keep the instrumentality within its bound.
You are therefore requested to take cognizance of the matter as an instance to trace another places irregularities going on in the insurance industry.
Regards
Ram Avadh Singh
Kindly refer to the earlier mails that are as follows.
In reference of earlier complaint made by Mr Ashok Kr. Singh and endorsed by Mr Atul. Mr Vipin, Mr LM
Tiwari and others affected New India Maruti surveyors. A vigilance officer Mr. Vijendra Kumar Gupta was
briefed by Ashok Singh and all concerned. A written explanation in response of inquiry was made to the
vigilance officer, whom we have heard an honest and righteous officer out of more number of honest
officers of The New India Assurance Co. Ltd.
The real question arises: are the surveyor helpless against the exploitation, injustice, excessive
discretion(embedded with tempt/bias). Should they raise voice against misdeeds or not. IIISLA as a
parent association of surveyors, IRDA as a controller of insurance sector, grievance cells of companies
as a primary agency of the concerned matters, top officers as the representative of the state are not
hearing the direction of govt or PM who wants to make the nation corruption free or more transparency
in governance. Are the PM'S s lectures on transparency and corruption being undertaken as a slogan
only, by the authorities.
If a surveyor reports or replies any officer, his state of neutrality, that, is taken as an arrogant.
Remove his name from the panel would be words of officers. Should surveyor dissent on matters of
irrelevant question that are against the spirit of this without prejudice in terms of survey and loss
assessment.
Tiwari and others affected New India Maruti surveyors. A vigilance officer Mr. Vijendra Kumar Gupta was
briefed by Ashok Singh and all concerned. A written explanation in response of inquiry was made to the
vigilance officer, whom we have heard an honest and righteous officer out of more number of honest
officers of The New India Assurance Co. Ltd.
The real question arises: are the surveyor helpless against the exploitation, injustice, excessive
discretion(embedded with tempt/bias). Should they raise voice against misdeeds or not. IIISLA as a
parent association of surveyors, IRDA as a controller of insurance sector, grievance cells of companies
as a primary agency of the concerned matters, top officers as the representative of the state are not
hearing the direction of govt or PM who wants to make the nation corruption free or more transparency
in governance. Are the PM'S s lectures on transparency and corruption being undertaken as a slogan
only, by the authorities.
If a surveyor reports or replies any officer, his state of neutrality, that, is taken as an arrogant.
Remove his name from the panel would be words of officers. Should surveyor dissent on matters of
irrelevant question that are against the spirit of this without prejudice in terms of survey and loss
assessment.
Thanks and regards
Ram Avadh Singh
Ram Avadh Singh
On Sunday, 24 December 2017 10:50 AM, Sunil Dhawan <dhawan...@hotmail.com> wrote:
Dear all,
IT is a matter of shock,what new india assurance company is doing.
As per IRDA MANUAL & guidelines, no need to take selfie by surveyor.
It is insult to surveyor.
We are submitting the report,duly signed & stamped.
From: Vipin Agarwal <vagar...@gmail.com>
Sent: Saturday, December 23, 2017 1:03 PM
To: Atul Garg
Cc: ashok...@rediffmail.com; C...@newindia.co.in; Brijend...@newindia.co; DR N G SRINIVASAN GOPALAKRISHNAN; singh awadh rama; rajesh...@newindia.co.in; cmd...@newindia.co.in; segar....@newindia.co.in; RAJESH DUA; vandan...@newindia.co.in; PRIYANKA PARIJA; nia.su...@newindia.co.in; pradee...@newindia.co.in; rahul...@newindia.co.in; niamaruti; Nia Maruti; ak.s...@newindia.co.in; aanchalgoel; RAJ KUMARI; DR RAJKUMAR; Shiv Pratap Singh; Pankaj Tyagi; amit...@yahoo.com; mobeen...@gmail.com; umesh tyagi; ukagrwal; katariasudhir; sudhir surveyor; hmgu...@yahoo.co.in; satishgrovernoetech; Ersatish Goel; lovkeshgoel; RAJENDRA KUMAR Jain; spsin...@yahoo.co.in; NARENDER KUMAR TYAGI; LALIT GUPTA; lalitgupta1970; Lalit Mohan; vats dhruv; najmul hasan; sandeep surveyor; uv survey; Sur NITESH SHARMA, Dli; S. Anoop Kumar; c k bhatia; Ashwani Sharma; dhawan_sunil; guptakvipin; n k goel; U K Agrawal; kapil nagpal; Arvind Kumar; inndersainkumar; dpp...@yahoo.co.in; mrin...@gmail.com; dsrautela 24; dasara...@gmail.com
Subject: Re: Thanks for giving opportunity to work as Surveyor & Loss Assessor & to earn the money, by Newmar claims, from last many years to 06 September 2017.
Sent: Saturday, December 23, 2017 1:03 PM
To: Atul Garg
Cc: ashok...@rediffmail.com; C...@newindia.co.in; Brijend...@newindia.co; DR N G SRINIVASAN GOPALAKRISHNAN; singh awadh rama; rajesh...@newindia.co.in; cmd...@newindia.co.in; segar....@newindia.co.in; RAJESH DUA; vandan...@newindia.co.in; PRIYANKA PARIJA; nia.su...@newindia.co.in; pradee...@newindia.co.in; rahul...@newindia.co.in; niamaruti; Nia Maruti; ak.s...@newindia.co.in; aanchalgoel; RAJ KUMARI; DR RAJKUMAR; Shiv Pratap Singh; Pankaj Tyagi; amit...@yahoo.com; mobeen...@gmail.com; umesh tyagi; ukagrwal; katariasudhir; sudhir surveyor; hmgu...@yahoo.co.in; satishgrovernoetech; Ersatish Goel; lovkeshgoel; RAJENDRA KUMAR Jain; spsin...@yahoo.co.in; NARENDER KUMAR TYAGI; LALIT GUPTA; lalitgupta1970; Lalit Mohan; vats dhruv; najmul hasan; sandeep surveyor; uv survey; Sur NITESH SHARMA, Dli; S. Anoop Kumar; c k bhatia; Ashwani Sharma; dhawan_sunil; guptakvipin; n k goel; U K Agrawal; kapil nagpal; Arvind Kumar; inndersainkumar; dpp...@yahoo.co.in; mrin...@gmail.com; dsrautela 24; dasara...@gmail.com
Subject: Re: Thanks for giving opportunity to work as Surveyor & Loss Assessor & to earn the money, by Newmar claims, from last many years to 06 September 2017.
Dear Sir ,
Mr. Atul Garg is very right , Mr. Ashok Kr. Singh is not only one surveyor whose work had been stopped suddenly , There are many other surveyors facing the same problem. These are the surveyors who are very much active in Information Technology & actively following the company's guidelines regarding making regular claim updates, documents uploading etc.
As per nodal office ,They have stopped the job allocation as Mr. Ashok kr. Singh were not uploading the required Photographs /doc. on portal , it is a unjustified reason to stopping someone's work .
Here I would like to share one mail of our Nodal Office DGM received by us on 19.03.2017 , in which he had shared the list of surveyors who did not made regular quick updates. There are many surveyors who did not made even quick updates on time, whether all the surveyors have been stopped for job allotment.
Here I am also enclosing the Excel file having all the surveyors name who did not made Quick updates, You will not find the name of any one of us, but they are so many surveyors in that list who did not make regular quick updates but still getting jobs.
We are sorry to say that the Co. is not going for fair investigation still trying to divert the matter.
On 19 March 2017 at 12:56, RAJESH KALRA <rajesh.kalra@newindia. co.in> wrote:
IP:980001
On Fri, Dec 22, 2017 at 11:23 PM, Atul Garg <atul1...@rediffmail.com> wrote:
Dear Sir,
It is really very disappointing that the official from New India Assurance co. is replying like this
and justifying there act with false justification and more or less they have not gone through the mails
that Mr. Ashok Kumar Singh is not only one surveyor but they have stopped many other also and all of
them are doing their jobs with high probational ethics and sincerely since last so many years without
any aligation.
It is really surprising that why now they are saying that we have not uploaded the documents where as
no one of us was doing it. We all have fallowed all the instructions and if we have done any mistake
why they have not pointed out and how they have paid all those claims???????
Ashok Kumar Singh.
Dec 25, 2017, 12:31:51 AM12/25/17
to Insurance surveyors
Respected all,
I am sharing one conversation from my side regarding in this matter,-
Thanks for giving opportunity to work as Surveyor & Loss Assessor & to earn the money, by Newmar claims, from last many years to 06 September 2017.
"Ashok Kumar"<ashok...@rediffmail.com> to you & others
Mon, 25 Dec 2017 07:12:22 GMT+0530
Respected all,
I want to clear one thing that must requirement of selfi photographs of Surveyor in during of final survey is a very very good step of NIAC. I do full support of this must requirement. It is a cross checking way for fair practices. I do not understand that it is a insult of Surveyor. It is only a requirement for fair working, nothing else.
It is a type of checking, like if we visit to Metro Stations, Air ports, Shopping malls, etc then Security staffs check us physically. It is also not insult for anyone. It is for safety purpose.
One more thing for information,
requirements of photographs for loss assessment has no detail in Surveyor Regulations 2015. But it is a supporting way of loss assessment work.
Rest our complaint is same as
Sabka sath sabka Vikas.
Regards,
Ashok Kumar Singh.
Surveyor and Loss Assessor.
Greater Noida U.P..
25.12.2017.
Greater Noida U.P..
9891373920.
Sent from RediffmailNG on Android
From: Sunil Dhawan <dhawan...@hotmail.com>
Sent: Sun, 24 Dec 2017 10:50:00 GMT+0530
To: Vipin Agarwal <vagar...@gmail.com>, Atul Garg <atul1...@rediffmail.com>
Subject: Re: Thanks for giving opportunity to work as Surveyor & Loss Assessor & to earn the money, by Newmar claims, from last many years to 06 September 2017.
Dear all,
IT is a matter of shock,what new india assurance company is doing.
As per IRDA MANUAL & guidelines, no need to take selfie by surveyor.
It is insult to surveyor.
We are submitting the report,duly signed & stamped.
FOR SUNIL DHAWAN & CO.
SURVEYORS & LOSS ASSESSORS,
PH-9810043303
dhawan...@hotmail.com
Sent: Sun, 24 Dec 2017 10:50:00 GMT+0530
To: Vipin Agarwal <vagar...@gmail.com>, Atul Garg <atul1...@rediffmail.com>
Subject: Re: Thanks for giving opportunity to work as Surveyor & Loss Assessor & to earn the money, by Newmar claims, from last many years to 06 September 2017.
Dear all,
IT is a matter of shock,what new india assurance company is doing.
As per IRDA MANUAL & guidelines, no need to take selfie by surveyor.
It is insult to surveyor.
We are submitting the report,duly signed & stamped.
FOR SUNIL DHAWAN & CO.
SURVEYORS & LOSS ASSESSORS,
PH-9810043303
dhawan...@hotmail.com
Regards,
Ashok Kumar Singh.
Greater Noida U.P..
Ashok Kumar Singh.
Greater Noida U.P..
On Sunday, October 8, 2017 at 11:54:44 AM UTC+5:30, Ashok Kumar Singh. wrote:
Ashok Kumar Singh.
Apr 4, 2018, 10:56:05 AM4/4/18
to Insurance surveyors
Respected all,
Finally I have received the Newmar claim survey job from NIAC Web Portal, after approx 06 months, after a long conversation of complaint with NIAC.
It is like a win. It is a win of unity of some Surveyors. It is win of truth.
I thanks to all Surveyors, who supported me in this complaint matter.
Satyamev Jayate.
Regards,
Ashok Kumar Singh.
Surveyor & Loss Assessor,
104, L-1, Ansal Housing, Golf Link-01,
Builders Area, Near Pari Chowk,
Greater Noida, U.P..
201308.
04.04.2018.
9891373920.
On Sunday, October 8, 2017 at 11:54:44 AM UTC+5:30, Ashok Kumar Singh. wrote:
From: "Ashok Kumar"<ashok.1224@rediffmail.com>
Sent: Mon, 31 Jul 2017 19:43:19
To: <raj....@newindia.co.in>
Cc: "POONAM RAI"<poona...@newindia.co.in>,"DIVYA GUPTA"<divya.gupta@newindia.co.in>,"alkamishra"<alka.mis...@newindia.co.in>,"ABHINANDAN CHOUDHARY"<abhinandan.chou...@newindia.co.in>,"neelabhchaturvedi"<neelabh.chatu...@newindia.co.in>
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