[Resolved]  ICICI Lombard Car Insurance — not giving the insured amount after car accident

forwarding the copy of letters sent to icici lombard.please look into the matter


LETTER NO.1


To,


ICICI Lombard General Insurance Co. Ltd.







1. Jai Hind, I am Flight Lieutenant M M Singh, an Air Force Officer posted to Bareilly, U.P. My one month old car SX4 PB02 (TEMP) 2009 AZ528 met with an accident on 18 Nov 09. The car was being driven by me and my colleague Flight Lieutenant A Tawade was sitting next to me in the car. In order to avoid a truck, which came into the lane I was driving in, I turned the car to the right in kachha nala and met with an accident. My car was totally written off and both o[censored]s suffered injury and bruises that took almost a month to heal. Since no third party was involved and no damage to any property or person was involved, FIR was not lodged by police.

2. My car was deposited next day i.e. on 19 Nov 09 to Coral motors (P) LTD., a authorized Maruti dealer at station road ,Bareilly. Mr Rashid Khan received my car on 19th at 1500 hrs and gave relevant paper and job card no stating the same. My policy number is MAR10339078 and claim no. is 1362834.

3. I took almost a month to get totally healed and during this period I was in regular telephonic conversation with the representative of ICICI Lombard , Mr. Rajeev Saxena, posted at Bareilly. A month later Mr. Shukla from your investigating team came to Bareilly from Lucknow. I provided him all the relevant papers i.e. license, registration, purchase papers of car and statements given by my colleague Tawade and me. Mr Shukla also told me that, though it’s irrelevant but if I can provide a medical certificate it will make my case even stronger. Next day morning I posted him the same on his Lucknow address.

4. Now I kept calling Mr. Rajeev Saxena regarding the update on my case, I was getting impatient now as it was taking a lot of time. After 2-3 weeks he said it’s not in his hand now and I should talk to Mr. Vineet Gupta of ICICI LOMBARD at Lucknow.

5. I kept calling him regularly 10 times a day. This Gentleman never picked up his phone, he did so on the tenth day and told me that paper work is going on and he will inform me in case of any development. He never called me as usual and after another 10 days he picked up his phone and told me that my case is being rejected because in my statement I have written my date of accident to be 18 Oct 09 instead of 18 Nov 09. He also asked me to send the statements again and the case will not be rejected. I sent the statements (my colleague’s and mine) again stating that the date was 18 Nov and not 18 Oct 09. In the letter I duly apologized to the company for my negligence and stated that in case company needs any document or paper of my vehicle or any other clarification I am ready to send that. I also stated that if company wants me or my colleague to come any where in India personally for any kind of clarification, then we are ready to do so.

6. Now I kept calling Mr. Vineet Gupta again .This time by God’s grace he picked up the phone on 7th day itself and assured me that he has received my letter and forwarded it to Mumbai for further action. On my calling him again and again he gave me mobile no. of Mr.Ajay at Mumbai office. Both of them mentally traumatized me for next one month not saying anything clearly and asking just to be patient and wait.

7. From 18 Nov 09 it was now 30 mar10 and what I have got from ICICI Lombard is not even assurance. On 01 Apr 10 i.e. on April’s fool day I was informed by Mr. Rajeev Saxena that my case is rejected and I am free to go to court.

8. Till date I have received nothing in writing from ICICI Lombard, and mean while whenever I called the call centre of the company then apart from distributing umpteen mobile numbers I was told that, my case is not rejected as shown on his computer system.

9. Being in flying branch of Indian Air force, I need to go almost every where in India. My job requires lot of concentration and commitment. Focus in my job is of paramount importance but ICICI Lombard has not left any stone unturned to mentally traumatize and harass me. This company has not given me even false assurance forget any help, warmth or hospitality. I am writing this letter in great disgust and hopelessness taking leave from my job for a week.

10. My car is totally written off and placed at a garage of Coral motors. The coral motor is also pressurizing me to vacate its garage or pay rent if claim is rejected.

11. Quoting the dates incorrectly by mistake or temporary registration being lapsed by 5 days can not be the basis of rejection of my case. Please give an explanation in writing if it does. These are no contributing factors to the accident that took place and I lost my car. I got my car insured by paying the premium amount to ICIC Lombard for such contingencies only. Today after putting me under mental trauma for 5 months you can not deny my money and my right.

12. My only request to you all is please don’t mentally harass any fauji as he has other important jobs to do. Money and belongings of a fauji are hard earned. I will go to any extent to get my hard earned money back because I know it’s my right and I need not beg to any body for it.

13. This is the first letter I am writing to you and I will continue sending you reminders for written explanation. I am sending copy of this to IRDA. My only request is please act or else change the ICICI Lombard caller tune that plays whenever anybody calls an employee of this company. Regards.






Flight Lieutenant M M Singh
Shantivan-9 ,officers mess
24 Squadron , 15 wing
Air force station Izzatnagar,
Bareilly,U.P. 243002

Mob – [protected]
Office – [protected] ext-4403



(M M Singh)
Date: 05Apr10 Flt Lt



letter no.2 on 13 Apr10 To,

ICICI Lombard General Insurance Co. Ltd.





1. Jai Hind, I am Flight Lieutenant M M Singh, posted to Air Force Station Bareilly. My one month old car SX4 PB02 (TEMP) 2009 AZ528 met with an accident on 18 Nov 09. I am writing second letter to you. The last letter was posted to you with an acknowledgement, on 05 Apr 10. I had written and explained in detail about my case in the letter.

2. I want to reinstate to you that, without asking any clarification from my side or without giving me any reason in written or orally, my case has been out rightly rejected by, ICICI Lombard insurance company.


3. Above all for last 5-6 months I have only been told by the employees of the company that, paper work is going on and within 10 days I will be getting my money back. Those 10 days have become 5-6 months now. What have I got till date is only false hopes or assurance from the company.

4. Being an Air Force officer from flying branch, I need to concentrate and focus on my job every second but the company has mentally harassed and traumatized me for last 5-6 months to such extent that my professional and personal life has become miserable.

5. As of now till date I have not received any explanation in writing or not even been orally informed as to why my case has been rejected.

6. I am waiting for any kind of response from the company since 18 Nov 09. After 6 months of mental harassment by the employees of the company namely, Mr. Vineet Gupta (Lucknow), Mr. Ajay (Mumbai) and Mr. Rajeev Saxena (Bareilly), what I have received from the company is only false hopes.

7. My car is totally written off and placed at a garage of Coral motors at Bareilly. The coral motor is also pressurizing me to vacate its garage or pay rent if claim is rejected

8. I wish and hope that after receiving my second letter, the company will at least give an explanation in writing as to why my case has been rejected by them. Quoting the dates incorrectly by mistake (for which all kind of clarification was given by me in writing to Mr.Vineet Gupta, Lucknow) or temporary registration being lapsed by 5 days can not be the basis of rejection of my case. These are no contributing factors to the accident that took place and I lost my car. Please give an explanation in writing if it does. I got my car insured by paying the premium amount to ICIC Lombard for such contingencies only. Today after putting me under mental trauma for 5 months you can not deny me my money and my right.

9. MY Policy Number is MAR10339078 and claim no. is 1362834.


10. I am not going to beg to anybody for my money because I know I will get it since I am not at any fault. A Fauji’s money is hard earned and I will not leave any stone unturned to get my money and my right back.

11. I have copied these two letters to IRDA as well as different media groups of the country. My next step will be giving you a legal notice and filing a case in consumer court. I will ask for my money with interest and compensation for the mental trauma caused by the ICICI Lombard.

12. I have right to information and ICICI Lombard can’t deny me that. Please look into the matter and help me in getting justice. Thanking you.











Flight Lieutenant M M Singh
Shantivan-9 ,Officers’ Mess
24 Squadron , 15 wing
Air Force Station Izzatnagar,
Bareilly,U.P. 243002
Email- [protected]@gmail.com (M M Singh)
Mob – [protected] Flight Lieutenant
Office – [protected] ext-4403 24 Squadron, Bareilly