If your policy was sold through misrepresentation, false promises of returns, hidden exclusions, or high-pressure tactics, you have strong grounds for complaint. We help document the mis-selling evidence, file complaints with the insurer, IRDAI, and if necessary, pursue refund claims through the Ombudsman or Consumer Forum. We also help with free-look period disputes and policy surrender value issues.
Practical guidance for common insurance questions
Insurance mis-selling can involve material information being misrepresented or omitted during the sale, important policy terms not being properly explained, or a product being presented in a way that does not match its actual features or suitability. The specific facts and evidence matter when assessing a complaint.
Keep sales messages, brochures, proposal forms, policy documents, recorded calls where lawfully available, emails or messages, payment records, and notes of promises or representations made during the sale. Compare those representations with the actual policy terms and identify the specific mismatch.
Document what you were told, collect the policy and sales evidence, and identify the specific representation or omission you dispute. Raise the complaint with the insurer in writing and retain the complaint reference and response. Further escalation should depend on the facts, the insurer's response, and the applicable dispute-resolution process.
Gather sales evidence & recordings
Compare promises vs. policy terms
Document mis-selling instances
File complaint with insurer + IRDAI
Approach Ombudsman for refund
Pursue Consumer Court if needed
Common questions about mis-selling complaints
Mis-selling includes: promising returns not in the policy, hiding exclusions, selling without explaining terms, forging signatures, selling to ineligible customers, and pressure tactics. All are violations of IRDAI norms.
Yes, if mis-selling is proven. IRDAI mandates insurers refund premiums with interest in confirmed mis-selling cases. We've secured full refunds even for policies held for several years.
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