Vijay Kumar Jalan 57 MANOHAR DAS STREET BARABAZAR KOLKATA-700007 Sir, Date: 25/11/09. Ref: Claim No. : C0009884 Under Policy No.: I0016351 Vehicle No.: WB 02Z 4951 I am shocked to note the contents of your letter. In this respect please note that I had clearly mentioned to your agent that I had a claim in my erstwhile policy, neither did I ask for any NCB (20%) as alleged in your letter. We also observe that their is no "NCB" word even in your policy papers submitted to us. We again clarify that we never conceal any facts about any claims made by us. We are also surprised that these things are being pointed to us only at the time of a claim and not at the time of collecting the insurance premium or in the policy itself. As such, please process the claim at the earliest so that I get back my car which has been lying idle in the workshop for more than a week. Regards, Vijay Kumar Jalan.