[Resolved]  Icici Lombard — motor insurance policy

Address:

ICICI Lombard House 414, P.Balu Marg, Off Veer Sawarkar Marg, near Siddhivinayak Temple, Prabhadevi Mumbai-400025., 400067

I hold i hold a motor insurance policy with icici lombard for my ertiga car number mh 02 cw 6600.
The policy no. Is 3001/[protected]/00/000, for the period feb 24, 2019 to feb 23, 2020.
While buying this policy, as a first-time motor insurance buyer, i filled details as i understood and asked for online.
Recently, in september i lodged a request for claim for a small repair.
The company, on its part, informed me that the claim cannot be approved as i had while buying the policy mentioned that i had made no claim with my earlier insurer, but in actaul, i had, and was claim reimbursement as well.
I agreed to that and asked how to correct my policy, and get my current claim passed.
I was suggested a solution as to pay additional money, the different between my original insurance policy fees and no claim bonus charges. I made that payment immediately.
I was assured that my claim will be approved after additional payment.
However, once the payment was done, i stopped getting feedback from the company.
Moreover, the company after much followed up turned back from its assurance and declined to approve the claim.
My point:
The company could have informed me clearly about discrepancies in the policy at the very first instance and disapproved my claim and should not have asked me to make any additional payment thereon.
My policy started in february 2019, and ending in the same month next year. According to my understanding, the company asked me to pay the difference for the entire year, and so, it just cannot decline to pay my claim money. If the company wanted to disapprove my claim, it could have asked me to pay the difference amount only for correction in my policy for the remaining period of it.
The company has not communicated me in official manner about its decision. Its executive, who said her name was nikita, spoke to me over phone, but failed to send any acceptable, official email afterwards.
Except for auto generated emails, the company never bothered to take official way to inform me. How can such a huge and important financial company can do so?
My car remained in the service centre for a month just because the company's poor follow up, and wrong assurances.
What's more, the company in my revised policy has mentioned that it is valid from the date of it was originally issued yet, it declined to approve my claim in september 2019.
One more horrible thing is it has changed my gstin in the revised policy and i fail to understand how this could be done?
In ever auto generated email, the company assured action in 24 hours of communication.in reality, that was never never done even once.
I request you to take stern action against the company, see it it that my claim gets approved, and also the company pays for all the harassment it has done to me.
Looking forward for justice.
Regards.