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Fraud & Mis-selling of Insurance Policy

Were you cheated into buying insurance through false promises? Fake IRDAI officer call? Loan promise? FD mis-selling? We get your full premium back — regardless of when it happened.

Free Consultation 📞 +91 95013 70002

ℹ️ What is this?

Insurance mis-selling occurs when a policy is sold to you through fraud, misrepresentation, or concealment of facts. This includes: fake IRDAI officer calls promising government refunds, insurance sold as Fixed Deposit at banks, loan promise frauds, promises of getting money from old lapsed policies, and more. Under Section 17 of the Indian Contract Act, any contract obtained through fraud is voidable regardless of when it was signed — including after the free look period.

🔍 Signs you need help

Your policy was sold with a false promise of a loan
A fake IRDAI/government officer called and issued policy against you
Bank sold you insurance saying it was a Fixed Deposit
You were promised money from an old lapsed policy to buy a new one
Company used your renewal premium to create a new policy without consent
OTP was taken under false pretenses for insurance purchase
You did not know you were buying insurance at all

HOW WE FIGHT FOR YOU

Our Legal Strategy for Your Case

⚖️ Legal Steps We Take

Strong GRO (Grievance Redressal Officer) complaint with specific IRDAI violation citations
Escalation to IRDAI Bima Bharosa portal with documentary evidence
Insurance Ombudsman filing — binding order in 90 days, free to file
Consumer Forum complaint — companies face original claim + harassment compensation
Legal notice citing Indian Contract Act Section 17 (fraud vitiates consent)
BNS 2023 Section 318 (cheating) cited in appropriate cases

🏆 Why Our Approach Works

Latest IRDAI circular references in every complaint
BNS 2023 and Indian Contract Act Section 17 applied correctly
Escalation strategy prepared in advance for all outcomes
Companies know we will go to Ombudsman and Consumer Forum if needed
Free consultation — honest assessment before you commit

FAQs

Frequently Asked Questions

Free look period expired — can I still get refund? +

Yes. Under Indian Contract Act Section 17, a contract obtained through fraud is voidable regardless of time. The free look period is a contractual clause — it cannot override statutory law. This is the argument we use most effectively.

I gave OTP — am I responsible? +

No. OTP confirms your phone received a code — it does not establish informed consent. If you were told the OTP was for a government formality, loan, or compliance process, not insurance — that is deception, which invalidates the contract.

Can I get refund from ALL policies including old ones? +

Yes. Each policy stands independently. We file separate complaints for each fraudulently obtained policy. There is no limitation on how many policies we can file for simultaneously.

What if I signed the proposal form? +

Signing a proposal form does not validate a fraudulent transaction. Under Indian contract law, consent obtained through misrepresentation or fraud is invalid regardless of signatures. What matters is whether you were fully informed of what you were signing.

How long does it take to get the refund? +

Direct company settlement through GRO complaint: 15–30 days. Insurance Ombudsman: binding order within 90 days. Consumer Forum: 3–6 months. Most mis-selling cases resolve at the GRO or Ombudsman stage.