I have always been apprehensive with ICICI lombard due to a horrid experience that my friend had to go dealing with them.
Everything seems to be great before signing up for any insurance, but from the moment you have signed up and money paid up, trust me you will hate the customer service for any query or follow up.
I recieved a call on 22nd Nov and over phone they convinced me to sign up for Family Protect Premier policy wherein they mentioned that they would allocate Rs. 6732 from my credit card and deduct this on a monthly EMI for 24 months. I gave my approval. Subsequently i realised that, they had not allocated, but debited Rs.6732 from my account which was supposed to be payable by me immediately.
Subsequently i called up the same number that i recieved the call from, wherein the customer care guy had a tough time understanding anything in English first of all, later he just kept on saying that you have to check with the credit card bank.
Now when ICICI lombard has undertaken the commitment of converting it to EMI's, why should i call up the credit card company pleading to convert it to EMI's (wasnt that already commited).
Subsequently i mailed the customer care and interactin with one Ms. Shanaz, who first replied saying that the amount would be converted to EMI's (will be done). Subsequently when i realized that it was not done and mailed he back. She replies that i need to contact the credit card bank. The same stuff which the lesser intelligent customer care guy mentioned. In the process, I have lost of my man hours and mental peace.
I have finally got my policy cancelled and now muct wait and see when they would reverse the amount or if at all they would.
I am planning to take this up legally, since I have recorded the telecon as well as the emails.
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