In october 2015 I renewed my vehicle insurance online my insurance policy was 0 dip. But when I paid online for its renewal. In the month of jan 2016 I met with an accident and applied for insurance. When applied they said that you will get only 50% but I asked them why would it be that low I renewed for 0 dip. their answer was as u paid online the policy was converted into normal policy. How can they do that dont they know the meaning of renewal. renewal means applying for the same again. But how can they give me a different policy without any intimation on the site. This service really sucks. And they ask many questions and all they didnt do all the repairs to as they said that these are previously damaged did they see my accident. how can they justify those like that. The total meaning of rernwas was changed and the meaning of insurance too by the icici people. really pathetic service.