Aviva
Reviews and Complaints

I am NRI, I have been advised by an agent Bajaj Capital to taken AVIVA LIFE INSURANCE policy and also told me that we can withdraw the policy after 3 years. As they advised me I taken the policy and paid my policy money Rs 60, 000 for first year, for some period I didn't pay my second year premium. I advised by AVIAV that I have to pay at least for three year otherwise the paid money will not be given back. so I paid the premium for three years the total Rs 1, 80, 000 now after completion of three years I asked AVIVA LIFE INSURANCE to withdraw my police. They are telling me that I will get only Rs 92, 000 and they deduct the balance money. Its amazing what for they are deducting 50% of my money after enjoying three years?

If we not continue after paying first year premium they will keep our money, if we pay and ask for surrender the policy they will not give 50% of our money ! They are really Cheating the public.

I disappointed very much I don't know what to do now and how to proceed to get back my money. its really armful for the life and not suitable for common people.

If anybody joint together and do something about the issue pls let me know.

raffi.3k@gmail.com

My Aviva fund investment advisor Mr. Amit Mobile Number +91 [protected] associated with me for the last three and a half year. On his advise I invested INR 1, 50, 000.00 in FIRST FAMILY PLAN and I got the policy issued by AVIVA bearing policy number LFG 1649393 which started on 17.08.2007. I was explained by Amit that this is one time investment policy and the locking period would be 3 years from the date of commencement. He lured me of his every possible effort to invest in this scheme. I did not go through the policy documents as he made me cunningly convinced and I developed trust on him. Today after completion of three years when I intended to redeem this policy, I was stunned to learn that the Policy term is 10 years and the locking period is five years which he never disclosed to me and always in replying to my query he kept on saying that this is going to be matured on 17th. Of Aug 2010. Today my fund value is INR 1, 52, 000.00 but due to premature redeem of the policy I will get only INR 1, 36, 000.00 which is unbearable to me at this juncture. Why Amit kept on lying? What was his motive behind not disclosing the facts with in three years. What would be with those people whom I introduced with this man and he might have cheated them also. Aviva did not play fair with me and I am constrained in taking up the matter in court of law. I am cheated, I am aggrieved and hurt. I do not want any thing extra but my principle amount worth Rs.1, 50, 000.00 + saving interest. I would have been getting good interest if invested in LIC or savings. If my principle amount worth Rs.1, 50, 000.00 + saving interest is not refunded to me with in one week then a case will be registered against Amit as well as Aviva. I request people like Amit in Aviva that they should stopped cheating the innocent public from now so that the court may extend leniency for your early acquittal.

An aggrieved Customer
Anil K Chand

B-502, green Valley Apartments
Plot No-18, Sector-22, Dwarka
New Delhi – 110075
+91 [protected]

Hi,

The Aviva Insurance company has cheated lot of person like us. Let us join together with all the people who has invested in this company in some sort and let us file a public litigation against this company. Actually this insurance was a trap and I am also one amongst you who is already in this trap. If we get off we loss money, If we continue then also we loss money. let us come together.

Contact me let us join together for a good cause, this is a right time to support government to get our hard earned money back.

Email: mathewdenis@gmail.com

Contact information which was displayed in website for Chennai address told wrong number, poor customer care service. Friends and Relatives be aware of Aviva investment

Hi,

I am one of the agent of Aviva life insurance. Keeping faith on me my five family members kept money. But there is no response from aviva after taking money. Sales manager also not responding. Please suggest me what should i do because they are my family members i feel very bad for them. And please think before while investment.

Please help me

My, husband Mr. Sandip Chatterjee is a policyholder on Aviva Life Insurance. The premium of the policy is of 3500/- per quarter, i.e.on 11th April, 11th July, 11th October and 11th March. We paid the premium of July in due course. We received a letter from Aviva last week mentioning that his policy has been lapsed, just because we failed to pay the last premium due on 11/7/2007. But the fact was we paid that and the cheque already been cleared and we paid the premium due on October also. I went there and presented the bank statement. Because of there negligence we lose the accountability of our policy. Not only this most of the time they fail to send receipts. The work environment is also very poor. There is nothing called customer service. Their only intention is to sell the policy after that no service.

I AM A POLICY HOLDER FOR AVIA LIFE INSURANCE MY SON DIED ON 12-29-08 I CURRENT PAID 70.00 DOLLARS A MONTH FOR ME AN MY 3 KIDS IAM STILL PAYING FOR HIM WHICH HE SHOULD HAVE BEEN REMOVE ON THE DAY HE GOT KILLED.I WAS TOLD MY PAYMENT WAS GOING TO BE LOWER WHICH IM STILL PAYING THE SAME.I HAVE BEEN CALLING FOR ALMOST 2 YRS, MY INSURANCE MAN MIDFORD DAVIS HAVE CALLED, HE ALSO SAID MY PAYMENT WAS GOING TO GO DOWN, I HAVE BEEN CALLIN AND CALLIN, I WAS TOLD THAT SOMETHING WILL CALL ME BACK I HAVE NOT GOT NO RESPOND OR NO LETTER.I SUPPOSE TO RECIEVE BACK PAY I HAVE NOT GOT NOTHING, I HAVE BEEN GET POOR CUSTOMER SERVICE FOR ALSO 2 YRS.I NEED A RESPOND FROM SOMEONE IF MY PAYMENT IS GOING TO GET LOWER, OR IM I GOING TO GET BACK PAYMENT.

Aviva Cheat Yes I also had the same experience F*** agent told me that the policy is for one year and sold it. To my surprise i got letter to pay for 3 years. Bas*** lost more more I could have at least paid tax to gov of india with good profit.

Aviva are real blood suckers . I have to policies and after 5 years of paying premium, I have not received a penny as interest . When i asked for surrender amount, they are deducting 50% of my money, means if I invested 50, 000 then after 5 years of premium and using my money for 5 years, they are offering me only 25, 000 .This is unlawful and rediculous .I think our government is involved in it . I have lost all my hard earned money with these modern time blood leeches . They are robbers, cheaters. Never ever try this . My friend have same experience .

some one pl help I have been cheated and mislead by Aviva agent she did nothing but lie I am in london she even siged the forms herslf I have been calling customer services but nothing even complaints have not replied to me It is a big Fraud NO BOBY SHOULD BUY AVIVA POLICIES

This Aviva should be thrown out of the country immediately to save the country from the frauds.

LIC is far more better than all Private life insurance companies.

Aviva sucks money in starting your policy, sucks money during first 5 years and even after 10 years it is possible that they might suck Huge money and say No Fund Value because of Bad Market conditions.

So guys wake up and take all your hard earned money out from Aviva coz it is better to take back your money as soon as possible

I Have one year old policy, policy no. WTG1299705, my monthly premium is Rs 1000/- I have paid your premium reguraly up to feb 2008, i have given the cheque of 1000/-premium of march cheque no.034065 dated 6/2/2008 receipt no.10308 yet not deposited by you, now my ploicy is lapsed reason not payment of march premium, i m shocked already in advance i have given the premium cheque, and i m not getting any reminder call, sms, i have make call to urs office but noboby taking any intrest, An i have not reciving any letter any information about my policy, yours customer service is poor, still i m making call to yours office from there also i m not getting any respons i m making the call on this number 022-[protected]-[protected] . request them to make my ECS system update but from there also i m notgetting any respons today i have make again call to yours office in same no. answer is plz wait we call back u in within 10 to 15 min. after that i have make call again i get the same reply still 1hrs gone no reply urs executive name is mrs joyti. call date is 19/5/2008 time 14:05 hrs
pleases take any action an solve my problem an give me the details about my policy my due of march, april, may, how can i pay this permium .

I had a miscarriage and Insurance company sent me a letter how many months was I pregnant after I had such a trauma. And further more when asked insurance company there revert back by saying its their policy and its not in any wrong. I strongly believe any medical issue being claim they have the rights to ask over the hospital upon signing the PSI. I need an answer when we policy holders having an issue or illness does insurance company directly will come to the affected parties immediately or liase with the hospitals

I am an aviva policy holder. The customer care in Aviva is pathetic. I have asked them 10 times to give my receipt for the policy due in Jan'08. I had made the payment in Jan'08 and till date I have not received my receipt for it. I would advise no one to purchase or invest in any Aviva policy.

Hi,
We have not received a response from you with the policy number. We would not be monitoring this link henceforth. In case your issue is still not resolved, please write in to us on customerservices@avivaindia.com. We would revert to you within 7-10 days of receiving your policy details.
Regards,
Customer Services Team
Aviva India

Hi,
Just a gentle reminder. We would like to help address your issue. Please do write in to us with your policy details on customerservices@avivaindia.com and we will investigate your concern and revert. We would revert to you within 7-10 days of receiving your policy details.
Regards,
Customer Services team
Aviva India

Hi,
We would like to help address your issue. Please do write in to us with your policy details on customerservices@avivaindia.com with your reference complaint number and we will investigate your concern and revert. We would revert to you within 7-10 days of receiving your policy details.
Regards,
Customer Services team
Aviva India

Ya sir i invested Rs:50, 000/- in the same & i got back only Rs:17, 000/-

I too ma aviva policy holder and same case for me .. have made a payment online and they dont even provide the reciept for the same.

Hi,

The Aviva Insurance company has cheated lot of person like us. Let us join together with all the people who has invested in this company in some sort and let us file a public litigation against this company. Actually this insurance was a trap and I am also one amongst you who is already in this trap. If we get off we loss money, If we continue then also we loss money. let us come together.

Contact me let us join together for a good cause, this is a right time to support government to get our hard earned money back.

Email: mathewdenis@gmail.com

Yes I also had the same experience F*** agent told me that the policy is for one year and sold it. To my surprise i got letter to pay for 3 years. Bas*** lost more more I could have at least paid tax to gov of india with good profit.

I am pursuing MBA from pune and i did my winter project in Nov.2008 aviva life insurance in pune at chinchwar branch in under Mr.Prashant Tambe (Sales Manager). He told if you will give a policy i will pay you 2000 per policy within 15 days and I gave him 4 policy but he didn't pay any single rupee yet. So my humble request to you take any action against Mr. Prashant Tambe immediately. I am not single person who gave policy to him but also more of my colleagues who gave him to more then 20 policy to him and he didn't pay to anyone of single rupees and i have to pay 1000 rupees for IRDA Exams .So please take any action against him .

They are threatening my daughter to charge her these negative fees too and she lost her job. She doesn't care if they take all she invested. She just wants OUT and not owing anything.

I have encountered the same problem and am absolutely furious with the Aviva and ABN representatives that sold this policy to me. I was told that I could redeem my policy after a lock-in period of 2 years with minimal charges. Now that I want to redeem my policy Aviva will deduct close to 56% of the fund value.

I am also suffering like this guy

I have a one year old life long policy from Aviva (the policy ELP1894592). I have applied for ECS three times. But it is not activated yet. Everytime the agent requests to pay the premium by cheque and asks me to fill a form so that ECS can be activated. And again as soon as the premium payment date approaches, he repeats the same process. He blames his manager for ECS not getting activated. I never expected such an irresponsible service from a reputed insurance company.

STAY AWAY from AVIVA life insurance, it has cheated me and dumped my 14000 rs.
It's shameful, you guys put the business of other good insurance companies in jeopardy.

Stay away from Aviva. You can do much better elsewhere.

I have been trying to get through on the phone started 9am this morning just kept on hold

tried again at lunch time on hold for 59 minuets then call was dropped

on my second call now after being dropped i have been on the line for 31min

It was plain and simple designed fraud. No point is pointing towards the bankers. So called bancassurer was used because all the frauds and cheats were discredited. So you put a different wrapper. And now even banks face the same fate so you have a finance minister trying to sell insuarnce policies. One simple jaid to the kalyugi day Rama would have saved so many lives. Cheating took away years out of simple people's life so he must be made to pay. There never was anything called 3 years. The fund value shown in illustration was fraud so that a simple agent can be told to teach the customer he will get at least fund value after 3 years. The money never existed dude. Everything this company says and do is laden with lies. He goes back and get a doctor to opine for him to charge more. When you ask for medical reports - he says he does not have it when he was eating on someones blood for so many years. He sends out threats when you ask simple questions. He drives you crazy with his designed loss of common sense. FILTHY and DIRTY..

AVIVA is the worst Insurance company I have ever seen and heard in my life.
I started a Policy with you “LBD2105082”, which commenced on 31-07-2008, and this was a 3 year policy with a term of 10 years. Rs. 6250 per quarter, that is Rs. 25, 000/- per year. So the premium submission ended last year, and now that I want to withdraw the amount, AVIVA is harassing me !
I sent my representative three times to 3 branches, Brabourn Road Branch, Salt lake Branch and Park Street Branch and all of them refused to help and send the guy back asking for the bank statement of 2011, but as per Insurance and RBI Law it is not at all necessary, as I have the cancelled cheque of the bank, and my name and account number is printed on the cheque. So this is only sheer harassment.
Even I talked to their customer care department, and they told there should not be any problem withdrawing the amount. But the guys in those branches of does not seem to be co-operative at all.
I must say, AVIVA already lost its faith in the market with the worst service they are giving to their customers, and this kind of behavior and attitude only make it worse. If customers like me, find out that they only give importance and attention only when to make a guy start a new policy, and then afterwards just ignore them, then I don’t think this will send a very good impression to the general public about AVIVA. And I also think, they should never hope a customer reference after all these harassments.
Customers only withdraw an amount when it is needed very much, and if they harass us at that time, then I must say, AVIVA is going to get a very bad customer feedback from now on, and everybody will fear to invest thru AVIVA, or start any policy from AVIVA. And I think they should understand, that, this is the end of their business.

I was sold a policy by an aviva agent while i was on holiday in jallander from uk 5 years ago a safe guard policy according to the agent i was to recieve 20 25% every year on the 300, 000 rupees per year premium i have found out now it was totally a big miss selling by the centurion bank of punjab agent aman told me it was for 3 years i now know it is for 10 years i tried to surrender my policy in september 2011 until now but to no effect i put in surrender application 3 times but aviva declines the application without even ringing me or emailing me everytime i ring them i am going round in circles that they will ring me but they never do when i do get the post it comes via finand because of wrong country i paid premium 12, 00000 policy now worth 7 lakh customer service is of the poorest quality i have ever seen in the number of companys i deal with aviva officials treat me as i am the criminal any excuse they can come up with they will try not to pay you your own money this is called day light robbery now the agent aman or aviva are not entertainng my application i will strongly advice future customers to look into the small writings in thepolicy before you get robbed like me con fused unhappy customer

Hi All,
I've first time applied for a product from Aviva, the online term policy i.e. Aviva-i-life. I've paid a premium almost a month back thru internet banking. Still there is no update or committment from them as when actually the Insurance formalities will be completed. I just wating and wating.

I'll advise if you are going for online term policies, pls try some other insurance company. I've blocked my substantial sum with no assurance as when I'll get the policy or refund.

-one Helpless buyer

Hi, guys
Don`t trust AVIVA LIFE INSURANCE they are Fully FRAUD Company, i know that verywell, they all Sales Managers, DPM, BM, frauds, they are qualification is, Master Of Cheating, Master of Forgery, Master of Wost Services, the Specific Branch is Chennai, Nungambakkam Branch, I`m a Advisor they are cheating my Commission 12000, Following the Name of Frauds - Team Manager - Natarajan, the BIGGEST SALES MANAGER LADY FRAUD R.SAVITHA, SHE IS THE MAIN THEIF IN THE BRANCH

Aviva life insurance is BIG FRAUD! I have invested a total of 1, 20, 000.00 Rupees since November 2005 in ULIP growth Fund and at the time they sold the investment plan to me they never mentioned the surrender charges that will be applicable till 30 years. Now after deducting the surrender charges they are paying me 79, 500.00 rupees. I was shocked after hearing about the deduction. Aviva cheats its customers. Please spread the word everywhere possible, so that other people do not suffer the way we did.

Thanks
Sidharth Tomar
[protected]

Hi All
don't trust on aviva life insurance. They are real froad. I have invested rs 1, 10, 000.00 after 4 years they paid me only 78, 000 rs. Don't know what they have deducted for.

thanks
[protected]

Services is very poor, Given the addresses on website is not working conditions, Customer care is not given the satisfactory response or reply

s.e.rehman

My mother's insurance agents name is Tom Bilotti.

She recently surrendered her policy, and it is crazy that the amount of money the surrrender fee is over half of what she should get back!

I recently have been informed about how insurance companies only want you DEAD! And want the total of how much value YOU are in our capitalistic society.

Companies like these all want profit. The more you pay, the more money you lose out of pocket, and making them richer and richer everyday!

RIDICULOUS!