Icici Lombard — Insurance policy - grivience about services

Address:

Thane, Maharashtra, 400608

This is extremely disgraceful for me to let you know about your poor bike insurance system.
I own a bike (Vehicle no. Mh04hb2233 chassisno : me3u3s5c1fh276943 insurance policy no :3005/[protected]/00/[protected] ), which was purchased only a few month ago.
I had an accident on 22nd january 2016, in which the front part of the bike was damaged heavily with minor back end part as well.
I had given the bike on royal enfifeld body shop on the very afternoon next day. It has been days, problem which i have face from insurance company & royal enfifeld workshop .

Day 1st (23nd jan 2016), i had given my bike to dealer for accidental job, i submitted all my bike insurance (Zero dept) documents to dealer on same day. I had receive the copy of acceptance from dealer. We have not receive a single call from dealer for any estimate or work progress. After 3 days i called the dealer ship for clarification!! No response then i called the insurance company and i got the number of survey (Mr.Imran) who suppose to inspect by bike. On dated vehicle survey was inspected but i had not a single courtesy call. Then i called mr.Imran for clarification. He replied, awaiting for estimate from workshop. Now the survey was done on dated till date the estimate was ready. The complete week was past and service advisor from dealer has not even informed about my vehicle status, after a week (2nd time) i called the surveyor for status. He replied, he has received the vehicle estimate and forwarded to higher authority for further approvals. I asked, how much time more will it take?? My vehicle is lying in workshop from last 2 weeks. No response!! I was totally disappointed from the services of dealer as well as insurance company. They made me so frustrated, from last week, i was repeatedly asking for how much cost i have to bear?? Kindly confirm the approx amount? No response. I called the service advisor for clarification about amount and job status. He replied, please contact the insurance company, we cant do anything on this. Again i called the insurance surveyor (3rd time), mr.Imran replied the total cost of rs58000 is approved from insurance company and work is started in workshop. I was surprised that not a single call from insurance company or dealer had informed me about my vehicle status. No body has told me how much cost i have to bear?? No written or verbal approvals for work starting or costing.
Repeatedly, i am calling this guys and confirming the status continuously, literally they had wasted my 35 days only because of this delaying the services. I bought this bike because of good production and services from royal enfield. I bought the bike hardly few months ago and the icici zero dept insurance was provided from authorized showroom of royal enfield. When i gave my bike for accidental claim in same dealer workshop, they informed we do not have cashless facility for insurance work. I was shocked?? Finally the work was completed and after 35 days i went to workshop for taking my vehicle delivery. I got the invoice from workshop of rs 63000 was fraustated, not a single person from dealership or insurance company had informed me about payable amount. My service experience of royal enfield and icici lombard was so pathetic. Immediately i called the insurance surveyor mr. Imran for the complete bifurcation and why it has not informed me the approx payable amount. He replied, the amount which you have received that is the final amount which is approved by insurance company. So you can make the payment and take the vehicle delivery. I was helpless, i paid the complete amount and took the vehicle delivery. Immediately as per the policy. Before taking the vehicle delivery, i called mr.Imran to confirm the process for accidental claim amount. He replied, in your complete claim amount there will be a deduction of rs11000 approx for fees and salvage amount. I replied why?? And why have you not told me this before?? I am ready to pay claim charges but i will not pay this amount.
The survey or delaership has not even given me any thing in writting about total cost, payable amount, additional amount or hidden charges. Repeadately i was doing the follow up with both the service providers. I had not even got the estimate copy about what all parts are replaced or not?? The complete process was blind and after taking the vehicle delivery, the vehicle is making abnormal noise and vibration. Really i don't now what type of quality and services are provided from authorized dealer of royal enfield. I feel that i had did a big mistake of purchasing the product of royal enfield and icici lombard policy of ( zero dept ) and need to pay 11000 . I will never ever recommend this produts to my colleages or any users.

Can you confirm who is making is fool of whom???????
This is really disgusting from your side and i repent of considering your services.
Can anybody from your side volunteer to convey the reason of delay????