| Address: Ekta Terraces, A wing, Flat No. 905/906, Near Kapol Vidhyanidhi school,, Mahavir nagar, Kandivali West, |
Car policy number: 3001/O/[protected]/00/000, Dated: 30, August, 2020.
I had purchased the above reference car policy online on Aug, 31, 2020, which was through a link that I was provided by a sales executive of ICICI Lombard (validity from Aug 31, 2020 to Aug 30, 2021). My previous policy that was from a different vendor, was a complete bundled package which included 3rd party compensation. I followed the link (ICICI. Lombard) and purchased the policy assuming it to be the same bundled policy and would include all parameters, including OD as well as 3rd party compensation. Although, it was only having Basic OD premium, Zero Depreciation and RSA-standard. There was no 3rd party compensation included. Ideally, whenever there is a switch over, it is the insurance companies responsibility to ensure that for any motor vehicle insurance disbursed there is a 3rd party insurance included. Insurance company cannot skip this. They also have in the policy document (attached) showing Third Party Insurance Details section as period from Sep 04, 2017 to Sep 04, 2021, which gives a false imprint that I have 3rd party compensation included.
I had a car accident on Aug, 15, 2021 wherein a third party was involved with serious injury and a police complaint (FIR) was lodged. When I produced the policy document it was identified that there was no 3rd party insurance included for my car policy. The affected 3rd party is claiming compensation from me amounting close to 3 Lacs.
Now the case has gone to the court of law and I am taking legal advice on how to deal with a NO THIRD PARTY COMPENSATION insurance document issued by ICICI Lombard. I was advised to complain on Banking ombudsman, although, I think I can reach out here first and see how ICICI Lombard can help me.
I tried communicating with ICICI Lombard team via email (Communication reference no.: ICICILom:[protected] on [protected]@icicilombard.com ad they gave me a call stating that I should have checked whether the 3rd party compensation included before buying the policy. They are trying to blame me instead of owing the responsibility that they should have the 3rd party included via their web link. With out a 3rd party they cannot issue a policy.
Jan 15, 2022
Complaint marked as Resolved
ICICI Lombard customer support has been notified about the posted complaint.
Verified Support
Dec 13, 2021
ICICI Lombard Customer Care's response Dear Sir,
Apologies for the unpleasant experience. We have made a note of the details and will get back to you with an update.
Regards,
ICICI Lombard General Insurance
Verified Support
Dec 14, 2021
ICICI Lombard Customer Care's response Dear Mr. Mody,
Thank you for contacting ICICI Lombard General Insurance Company Ltd.
We deeply regret for the inconvenience caused to you.
We are reviewing your concern regarding Car insurance policy issued without 3rd party compensation we are further working on your query request you to co-operate with us and we shall respond to you 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.
Apologies for the inconvenience caused. We have made a note of the details mentioned. We will check this from our end and get back to you with an update on the same
Regards,
ICICI Lombard General Insurance