ICICI Lobmard
After Policy renewal, company is asking me to pay back bonus

I have motor (4wheeler) insurance with ICICILombard – previous year had one claim in the year

Again renewed the policy for year Sep 2010 – Sep2011 through online (ICICILombard.com), while filling up online, I gave previous policy information also.

After renewal sale is done for Rs.5768. In this moth (August), Vehicle got damaged due to minor accident on the road, when I went up for a claim,

Insurance company is asking me to pay NCB (non claim bonus) around Rs.1500, as their system calculated or did not have information of my previous year claim.

Unless I pay that amount back to company, they are not willing to give claim money.

My concern was I gave complete information about previous policy online and also informed that there was a claim in previous policy, and made a renewal online.

If their system or process did not check the details properly at the time of sale, After the sale, that to while we go for a claim, it surprise that I have to pay back the money.

Why should I pay? If the company showed initially that amount, I might have chosen a different insurance company.By showing fancy advertisement 20-30% of previous premium,

One consumer enters into insurance policy, Company started threatening to pay back money, otherwise creating issues with claim amount?

Is that reasonable? Please advice.

Thanks

Phani