Respected Sir/Madam,

I met with an accident on Thursday 21st May, 2009 in Karol Bagh-Delhi, as my bike got skeet on road while applying disk brake and luckily i was not injured. There were many damages to bike in Internal and External parts of my bike.

I own Red Karizma 2007 built model, and most of the part damages to my bike are Head light hooks(Internal part), left side of front Wiser, Left side of tail light Wiser, Stand joint.

Nitin Sharma from ICICI Lombard who survey my bike at B.K. Motors. He told me that he will not consider my request for claim for Insurance as his perception is that this is an old damages not new.

When i told him that i will take this matter to legal court, then he started negotiating with me that ok let me take picture of the damages and i will let you know.

Today i received call from Nitin Sharma and Anup Tarashan that we will not consider Head light damage it seems to be repaired as screw seems to be drilled.

I explain him that why there is a screw drilled at the lower part of the head light, reason to put the screw was to hold the light tight every time when bike cross any pit hole or damage road or speed breaker because it use to make lots of sound while crossing such things.

I keep on trying to explain him but he don't want to listen. And finally he told me that they will not considered and threaten me that i can do what ever i want.

I am writing to consumer court because this is not about money right now but this about monopoly of ICICI Lombard executive who attempt to disturb consumer mentally.

My simple question is when i took policy from ICICI lombard they took picture of the bike to feed condition of vehicle at the time of policy issuance. While they are not looking back at that picture to verify whether condition is good or bad that time.

I took policy in February and accident happened in May, vehicle condition was good in Feb., now accident happen in May that is why i am claiming.

They are just trying to mentally torture customer, this is not the right way to deal. I am feeling like cheated by ICICI Lombard.

At the time of policy issuance they give us numerous of call to take policy only from them but once we claim for any damage they start making point on each and everything so that they survive from the claim.

This is not the right way, they should not cheat customer like this.

My name is Abhinadan Kumar Garg, Mob: +91.9711433721, Bike number JH 10M 7287, my addresses: 198, 2nd floor, bharat nagar, Delhi - 110052, my email id is: garg.abhinandan@gmail.com.

Please guide me what is the next step to do.

Respected Sir/Madam,

I own Bajaj pulsar 2007 built model that is theft from my Rented home on 30th march in shiv nagar Delhi.I register claim in ICICI lombard 13 April.I submit all the necessary document in ICICI Lombard Pitampura Branch and get receving from them for all the that i have submitted.
After that i am regural in call them but they are not giving any response and after one month they told me that you are not submitting any document.

After that there Manager Miss Megha not receving my call.

Please tell Me what I have to do against them.

Sandeep Arora
9990585032
arorasandeep007@yahoo.co.in
46,D.C.Colony
Hisar
Haryana

Originally Posted by Unregistered

Respected Sir/Madam,

I own Bajaj pulsar 2007 built model that is theft from my Rented home on 30th march in shiv nagar Delhi.I register claim in ICICI lombard 13 April.I submit all the necessary document in ICICI Lombard Pitampura Branch and get receving from them for all the that i have submitted.
After that i am regural in call them but they are not giving any response and after one month they told me that you are not submitting any document.

After that there Manager Miss Megha not receving my call.

Please tell Me what I have to do against them.

Sandeep Arora
9990585032
arorasandeep007@yahoo.co.in
46,D.C.Colony
Hisar
Haryana

Have you the acknowledgment slip that support your statement, kindly share the soft copy, so that we can guide you accordingly.

Dear Sir/Madam,

My bike got stolen from a market place in february and I registered a complaint in a nearby police station within an hour. I wanted to file a F.I.R. right then but the police officials told me to file a complaint first so that they can start searching my bike soon as in maximum cases bikes get traced in few days and that this is the only procedure to do so. And if they dont then they will file the F.I.R. then.
After that I waited for few days and was continuously searching for my bike at several police station as few stolen bikes were getting traced every now and then. But when my bike didnt got traced I asked them to file the F.I.R. which they filed but after taking some time. So, I got my F.I.R. after a month of my loss(complaint).
Then I contacted ICICI Lombard and registered a claim there. I completed all the documents and gave it to them along with the bike keys, RC etc. I gave them the final report recently which was the last part of the completion of the procedure from my side.
And now (after 10 days of the completion of the process from my side) they are telling me that they are going to reduce the IDV amount (Insured's Declared Value) which I was entitled to claim by 40-50% as there was a delay between the bike loss and F.I.R. filing(which was not at all in my control as police officials told me then that this is the only way). Now I am totally tensed and I dont know what to do as I did nothing wrong from my side and I am not going to consider the settlement from the insurance company. I have suffered a lot in these 5 months also because of my financial problems and I was unemployed then, but am totally broke now.

Please suggest me what to do and can be done now and how to handle the insurance company as I am not ready to compromise at any cost.

Waiting for the reply.
Thank you