I had taken a ICICI Lombard car insurance last year. (Actually my car loan financier somehow convinced me go for them.)
Everything was going very fine (I mean ’’Yes Sir’’, ’’So nice to meet you Sir’’ etc.) until my car had to be towed to service center after it was flooded.
Accordingly I raised a claim and simultaneously I was informed, from then onwards I should contact some Mr Satish. (He was the surveyor for my car).
Talking to him did gave a feeling that how true that old proverb ’’Everything that shines is not gold’’ meant.
For anything and everything he would say ’’YOU DON’T NEED TO CHANGE IT, IF YOU STILL WANT, YOU CAN CHANGE THE PART FROM YOUR POCKET etc. For example, the front headlight ... other insurance company?? were more than happy to change it. (Came to know from my other friends in the same apartment, whose vehicle was also flooded)
One of the conversation was so funny I felt like laughing out loud ...
When I got my final Bill from the service center I called him up to confirm what would ICICI Lombard pay from the bill. In that one of the item was towing charges -- INR 1361. The conversation went something like this ...
Me: Satish, will ICICI Lombard bear the towing changes?
Satish: tchk* tchk how much is it?
Me: 1361
Satish: uuummmmm tchk tchk ... (Pause for some seconds) So much ??
Me: Says so in the bill ...
Satish: hmmmmm ... (pause for another few seconds) Ok I try for it.
tchk -- Some Irritating sound.
My thing is ... what the hell .... ICICI Lombard pays or not ... simple, say yes or no.
Where as just to give you a glimpse ... in my apartment other car owners whose vehicles was also flooded, were so happy with their respective surveyors, particularly insurance company like TATA AIG etc.
Take Care