[Resolved]  Icici Lombard — Motor Insurance Denial

To whomsoever it may concern,

Myself, Brian Satheesh Mathew Policy Number(3005/O/[protected]/00/B00).
On December 31st, i met with an incident(KA41 EP 5153), i accidently fell into a pothole and as a result of it, my front tyre alloy got a bend and air is leaking through it.
I have raised a Claim(MOT[protected], submitted my vehicle to garage and Surveyor had a look onto it, took all the required information and he went.
Today(Jan 7th) i got a call from the surveyor saying that he got an information that the claim got rejected.The Reason they are highlighting is that the bend is a small one and there is no external damage on other parts, so the claim is rejected. The reasons to be noted
1. There is significant bend on the alloy and as a result of it the air is leaking through the bend
2.One more story they are telling is that since the air of the tyre is too low, there is a possibility for that bend, if that
is the case there should be multiple bend on the alloy not on a single point.
3.If the Claim is getting rejected, what am i supposed to do, drive this Bike with air leakage and if anything happened to me will you take the responsibility?
"i guess that won't be happening"

I don't see any valid reason for this claim to get denied.

When a policy is about to expire i could see agents calling one after other to renew the policy, and when we raise a claim from ICICI Lombard( a company with high profile) the reason they are saying is that the damage is too small, just bear that amount.This is not acceptable from a company with high reputation."Denial of Claim is not the way to make profit"
I request the authority to have a look onto this issue with high priority and give a favourable output.
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Feb 15, 2022
Complaint marked as Resolved 
ICICI Lombard customer support has been notified about the posted complaint.
Verified Support
Jan 08, 2022
ICICI Lombard Customer Care's response
Dear Brian Satheesh Mathew,

Apologies for the delay and the inconvenience caused. We have made a note of the details and will get back to with an update on the same.

Regards,
ICICI Lombard General Insurance
Jan 11, 2022
Updated by Brian Satheesh Mathew
Could you give an update on the same, it;s been more than 2 weeks since the vehicle is in the garage, the response from the surveryor/ICICI Lombard team is not upto my expectation.

I am getting calls from the garage to either take the vehicle back with me or to change the parts, since there is no update for the complaint what should i tell them?
The Garage people has given today the deadline.

Expecting a positive reply as soon as possible.

Thanks in Advance,
Regards,
Brian Satheesh Mathew
[protected]
Verified Support
Jan 12, 2022
ICICI Lombard Customer Care's response
Dear Mr. Mathew,

Thank you for contacting ICICI Lombard General Insurance Company.

We write this with reference to your below concern regarding Motor policy.

As per our telephonic conversation held today, we wish to inform you that we are working on your concerns and we shall revert you maximum within 4 working days.

In accordance to our continual focus and commitment to customer service, we trust we will address your concern(s) in a fair and equitable manner.

We assure you best of our services.
Jan 13, 2022
Updated by Brian Satheesh Mathew
So i got a call from the icici lombard team stating that the claim has been denied, since there is no external impact to the vehicle they are denying the claim, they are ignorant about the significant bend in the alloy wheel.SInce you are denying the claim, i need a solution for the same, what am i supposed to do? drive with the same bend?Also, could you show me in the policy copy that without there is external damage the claim would be denied.I want that to be shown to me, i did'nt see that in the policy copy i have.if you are still denying it, then what is the reason in buying the policy from ICICI lombard, i'll better cancel the policy and demand a full refund.Expecting a reply as soon as possible.
Verified Support
Jan 13, 2022
ICICI Lombard Customer Care's response
Dear Mr. Mathew,
Thank you for contacting ICICI Lombard General Insurance Company.
We write this with reference to your below concern regarding motor policy claim MOT11766508.
As per our telephonic conversation held today, we regret to inform you that a standalone alloy wheel damage. There is no external impact and as per policy condition the claim will be denied.
We appreciate your patience and look forward to serve you.
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