19 July 2026

TO,
The Grievance Officer / Legal Department
New India Assurance
[Registered Office Address]

Subject: LEGAL NOTICE FOR UNJUSTIFIED REJECTION / NON-SETTLEMENT OF INSURANCE CLAIM — POLICY NO. NIA-FR-45021 — DEMAND FOR SETTLEMENT

UNDER INSTRUCTIONS FROM AND ON BEHALF OF: Suresh Iyer, [Address] — hereinafter “the Claimant”.

TAKE NOTICE AS FOLLOWS:

1. POLICY DETAILS: Our client holds Insurance Policy No. NIA-FR-45021 issued by you, covering the subject matter of insurance. Premium was duly paid and the policy was in force on the date of loss.
2. CLAIM AND REJECTION: Our client duly lodged a claim of ₹72,00,000 under the said policy. By your communication, you have rejected / failed to settle the said claim on the stated ground of: Exclusion clause invoked.
3. THE REJECTION IS ILLEGAL AND UNSUSTAINABLE:
   1. The exclusion clause invoked by you has no application to the facts of the present claim. It is settled law that exclusion clauses are to be construed strictly against the insurer (contra proferentem), and any ambiguity must be resolved in favour of the insured.
   2. The subject matter and circumstances of the loss were fully and accurately declared in the proposal form. The belated invocation of an inapplicable exclusion amounts to a deficiency of service under the Consumer Protection Act, 2019.
4. DEMAND: You are hereby called upon to (a) RECONSIDER and SETTLE the claim for ₹72,00,000 together with interest at 18% per annum from the date of rejection; OR (b) furnish a written, reasoned reply with legal justification within 15 (fifteen) days of receipt of this notice.
5. CONSEQUENCES OF NON-COMPLIANCE: Failing compliance, our client shall be constrained to initiate proceedings before the appropriate forum, including but not limited to the Insurance Ombudsman (Ahmedabad), the District / State Consumer Disputes Redressal Commission and/or civil courts — and shall seek, in addition to the claim amount and interest, compensation for mental agony and harassment, and costs of litigation, entirely at your risk as to costs and consequences.

This notice is issued without prejudice to all rights and remedies available to our client, all of which stand expressly reserved.