{"insurer":{"slug":"navi-general-insurance","name":"Navi General Insurance Limited"},"issue":"other","issue_label":"Something else","rule":"An insurer must acknowledge a complaint at once and resolve it within 14 days, giving reasons with reference to the policy terms if it does not accept it.","rule_law":{"title":"IRDAI Master Circular on Protection of Policyholders' Interests, 2024","ref":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},"state":null,"steps":[{"n":1,"title":"Write to Navi General Insurance","when":"First. The insurer must reply within 14 days.","what":"Send a written complaint (e-mail is fine) with your policy and claim numbers and copies of the documents. Ask for a resolution of the problem described above. Keep the acknowledgement and its reference number.","contacts":[],"law":[{"title":"IRDAI Master Circular on Protection of Policyholders' Interests, 2024","ref":"Sec 1, Part A, VI.1 and VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"n":2,"title":"Escalate to Navi General Insurance's Grievance Redressal Officer","when":"If there is no reply in 14 days, or you do not accept it.","what":"Forward your first complaint and its reference number, and say why the reply does not resolve it.","contacts":[{"purpose":"grievance","channel":"email","value":"gro@navi.com","label":"Second Escalation - Grievance Redressal Officer","level":2,"hours":null,"applies_to":"all","source_url":"https://public-navi-docs.s3.ap-south-1.amazonaws.com/NaviCommercialVehicleLiabilityOnlyInsurance%20CIS.pdf","quote":"t Customer Experience Team at - insurance.help@navi.com • Second Escalation - Email to Grievance Redressal Officer at – gro@navi.com Turn Around Time (TAT) for claims settlement 30 days from the date of last document receipt Claim Registration Notify o","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"022-40018100","label":"Level 2 Escalation - Grievance Redressal Officer phone","level":2,"hours":null,"applies_to":"all","source_url":"https://public-navi-docs.s3.ap-south-1.amazonaws.com/NaviCommercialVehicleLiabilityOnlyInsurance%20Policy%20Wordings.pdf","quote":"e to our Head Customer Experience and Grievance Redressal Officer at Head.CustomerExperience@navi.com or contact GRO at 022-40018100. Level 3: If you are not happy with the resolution, you may approach IRDAI by calling on the Toll-Free no. 155255\n(or)","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"address","value":"Navi General Insurance Limited Registered Office: Vaishnavi Tech Square, 10th Floor, Iballur Village, Begur Hobli, Bengaluru, Karnataka- 560102","label":"Grievance Redressal Officer Address","level":null,"hours":null,"applies_to":"all","source_url":"https://public-navi-docs.s3.ap-south-1.amazonaws.com/NaviCommercialVehicleLiabilityOnlyInsurance%20CIS.pdf","quote":"https://www.naviinsurance.com/service/ 5. Walk in for assistance 6. Dispatch your letters to us at – Corporate Office: Navi General Insurance Limited, Vaishnavi Tech Square, 10th Floor, Iballur Village, Begur Hobli, Bengaluru, Karnataka- 560102 7. Escalation – • First Escalation – Contact Customer Experience Team at - insurance.help@navi.com • Second Escalation - Email to Grievan","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"1800 123 0004","label":"Grievance Redressal Officer Toll free","level":null,"hours":null,"applies_to":"all","source_url":"https://public-navi-docs.s3.ap-south-1.amazonaws.com/NaviCommercialVehicleLiabilityOnlyInsurance%20CIS.pdf","quote":"nses - paid amount under own damage claim\n12 | Policy Servicing Claim Intimation and Processing | 1. Call Us: Toll Free 1800 123 0004 2. Email: insurance.help@navi.com 3. Email for Senior Citizens- seniorcare@navi.com 4. Visit our website: https://www.n","fetched_at":"2026-10-20"},{"purpose":"escalation","channel":"email","value":"insurance.help@navi.com","label":"First Escalation – Customer Experience Team","level":1,"hours":null,"applies_to":"all","source_url":"https://public-navi-docs.s3.ap-south-1.amazonaws.com/NaviCommercialVehicleLiabilityOnlyInsurance%20CIS.pdf","quote":"own damage claim\n12 | Policy Servicing Claim Intimation and Processing | 1. Call Us: Toll Free 1800 123 0004 2. Email: insurance.help@navi.com 3. Email for Senior Citizens- seniorcare@navi.com 4. Visit our website: https://www.naviinsurance.com/service/ 5. Walk","fetched_at":"2026-10-20"},{"purpose":"escalation","channel":"email","value":"Manager.CustomerExperience@navi.com","label":"Level 1 Escalation - Manager Customer Experience team","level":1,"hours":null,"applies_to":"all","source_url":"https://public-navi-docs.s3.ap-south-1.amazonaws.com/NaviCommercialVehicleLiabilityOnlyInsurance%20Policy%20Wordings.pdf","quote":"en’t offered a perfect resolution, please feel free to share your feedback with our Manager Customer Experience team at Manager.CustomerExperience@navi.com Level 2: If you still are not happy about the resolution provided, then you may please write to our Head Customer Exper","fetched_at":"2026-10-20"},{"purpose":"escalation","channel":"email","value":"Head.CustomerExperience@navi.com","label":"Level 2 Escalation - Head Customer Experience and Grievance Redressal Officer","level":2,"hours":null,"applies_to":"all","source_url":"https://public-navi-docs.s3.ap-south-1.amazonaws.com/NaviCommercialVehicleLiabilityOnlyInsurance%20Policy%20Wordings.pdf","quote":"t the resolution provided, then you may please write to our Head Customer Experience and Grievance Redressal Officer at Head.CustomerExperience@navi.com or contact GRO at 022-40018100. Level 3: If you are not happy with the resolution, you may approach IRDAI by calling on","fetched_at":"2026-10-20"},{"purpose":"escalation","channel":"phone","value":"1800 4254 732","label":"Level 3 Escalation - IRDAI Toll-Free no.","level":3,"hours":null,"applies_to":"all","source_url":"https://public-navi-docs.s3.ap-south-1.amazonaws.com/NaviCommercialVehicleLiabilityOnlyInsurance%20Policy%20Wordings.pdf","quote":". Level 3: If you are not happy with the resolution, you may approach IRDAI by calling on the Toll-Free no. 155255\n(or) 1800 4254 732. You can also register an online complaint on the website http://igms.irda.gov.in. If your concern remains unresolved t","fetched_at":"2026-10-20"}],"law":[]},{"n":3,"title":"Register on Bima Bharosa (IRDAI)","when":"Any time; it tracks your complaint against the insurer.","what":"Register the complaint on IRDAI's portal; the insurer's grievance system is linked to it.","contacts":[{"label":"Bima Bharosa (IRDAI grievance portal)","channel":"url","value":"https://bimabharosa.irdai.gov.in/","source_url":"https://bimabharosa.irdai.gov.in/"}],"law":[{"title":"IRDAI Master Circular on Protection of Policyholders' Interests, 2024","ref":"Sec 1, Part A, VI.1(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"n":4,"title":"The Insurance Ombudsman for your area","when":"If the insurer rejects your complaint, does not reply within one month, or you are not satisfied. Within one year of the insurer's reply.","what":"Free. For a loss up to Rs 50 lakh. Write (or file online) with your name and address, the insurer's office, the facts, the supporting documents, the loss and the relief you want. You cannot go to the Ombudsman on a matter already before a court, consumer commission or arbitrator.","contacts":[{"label":"Insurance Ombudsman: register a complaint online","channel":"url","value":"https://cioins.co.in/Complaint/Online","source_url":"https://cioins.co.in/Complaint/Online"}],"law":[{"title":"Insurance Ombudsman Rules, 2017","ref":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","ref":"Rule 17","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"IRDAI Master Circular on Protection of Policyholders' Interests, 2024","ref":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"n":5,"title":"Consumer commission","when":"Instead of the Ombudsman, or for a larger loss.","what":"File a consumer complaint. The District Commission hears claims up to Rs 50 lakh, the State Commission up to Rs 2 crore, the National Commission above that.","contacts":[{"label":"e-Jagriti (consumer commission filing)","channel":"url","value":"https://e-jagriti.gov.in/","source_url":"https://e-jagriti.gov.in/"}],"law":[{"title":"Consumer Protection (Jurisdiction) Rules, 2021","ref":"Rules 3 to 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"}]}],"forms":[],"issues":{"claim-rejected":"Claim rejected","claim-partly-paid":"Claim cut or partly paid","claim-delayed":"Claim not settled in time","late-intimation":"Rejected for late intimation or missing documents","cashless-denied":"Cashless denied or delayed","refund":"Refund or cancellation","service":"Service request not done","mis-selling":"Mis-sold or policy differs from the proposal","other":"Something else"},"draft":"https://indiainsurances.com/api/v1/draft-complaint","page":"https://indiainsurances.com/complain/navi-general-insurance","notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim."}