Complaint against the Insurance company ICICI Lombard General Insurance Company
- Complaint against the Insurance company ICICI Lombard General Insurance Company Open
Ved Prakash Saini filed this complaint against Complaint against the Insurance company ICICI Lombard General Insurance Company on Apr 06, 2021
Sub: Complaint against the Insurance company (ICICI Lombard General Insurance Company).
With reference to the aforesaid subject, I would like to submit the following facts about the fraudulent activity and deficiency of service of ICICI LOMBARD GENERAL INSURANCE COMPANY LIMITED ICICI Lombard House, ***, Veer Savarkar Marg Near Siddhivinayak Temple, Prabhadevi Mumbai MH ****** India:
*. On **-**-**** I have purchased online two-wheeler insurance for two vehicles Royal Enfield (**** Make) and TVS NTRQU (**** Make).
*. For Royal Enfield (Showroom price Rs*.** lacs- bill attached-a) ICICI Lombard charged Rs ****/- (Rupees Five thousand five hundred and sixty-five only) as premium for this vehicle – Policy copy attached-b
*. For TVS NTRQU (Showroom price Rs *****) ICICI Lombart charged Rs. ****/- (Rupees Four thousand four hundred only) as premium for this vehicle. – Policy copy attached-c
*. ICICI Lombart has given IDV values of Rs. *****/- (Rupees thirty-five thousand only) and Rs. *****- (Rupees Fifty-thousand only) respectively for Royal Enfield (**** Make) and TVS NTRQU (**** Make).
*. A critical review of the above two policies has depicted a major error in the policy document as the vehicle (Royal Enfield) having both higher price and premium value has a lesser IDV of Rs ***** only as compared to the second vehicle (TVS). From this comparison, it is evident that there is definitely a major mistake in the policy document.
*. Being a common man I was not having any idea about the technicality of IDV and other terms of insurance. Hence I could not point out the same error at the time of purchase of policy document. I only came to know for the same when is filed claim (claim No MT-********) for my lost vehicle (FIR No ****/**** BASNI Jodhpur) in Dec.****.
*. To rectify this problem I have requested to ICICI Lombard (copy attached-d)
*. On *th April I have received the reply from the ICICI Lombard in which the indicated that the showroom price of my bike (Royal Enfield is *****) hence the allotted IDV of Rs ***** is correct which cannot be changed. –Copy attached-e
From the above points and attached papers the act and conduct it is proved that de novo ICICI Lombard has done a fraudulent activity and deficiency of service and this act and conduct harassed me notably and by the act and conduct of company caused a financial loss and mental stress. Thus in order to resolve the difficulties, I would like to request to please order the company to refund/pay claim amount as per actual value of the vehicle. Also, in order to resolve the difficulties, I would also request to kindly order ICICI Lombard to pay an additional sum of Rs.**,***/- (Rupees Fifty thousand only) for the mental agony and harassment suffered me. I look forward to your positive decision in the above mentioned problem
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Damages for loss and agony
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