“Renew your insurance to make your journey secured”, this advertisement which came between my cricket match, suddenly made me alert. I am the person who hates watching television due to advertisements. But when it is cricket matches and that too India vs Pakistan T20, I can’t help sitting glued to the television screen. Amid several advertisements, there was one that caught my attention. I hate to admit it, but yes, this advertisement made me worried with the sudden realisation that my bike insurance policy is due for renewal. I was so distracted by the advertisement that even the excitement of the match came down.
For any cricket lover, it was a difficult situation—leaving the match midway to check the policy renewal date. With a heavy heart, I said all the best to Virat Kohli and left him ‘alone’ on the crease to face Shahid Afridi. I immediately rushed to the wardrobe to check the renewal date of my policy. I hurriedly opened the drawer, and my nightmare came true — my policy renewal date was only a day away. Suddenly, my mind got blank, and I couldn’t believe that I had to leave the match midway and rush to the insurer to get my policy renewed. As I was not happy with the services of my present insurer, I wanted a change. Last year, when I requested the insurer to send me the hard copy of my insurance documents, they took almost 45-days in processing my request. I urgently required documents, but the insurer’s reckless attitude made things difficult for me.
I came back to my drawing room where the only relief was to see that Virat Kohli was still batting. Again, the over ended, and the same insurance advertisement came, in which the leading comedian was telling people that they should renew the policy before the due date. He also emphasized on how people can do the same with a few mouse clicks.
What! With a few clicks of the mouse?
How can I miss this important line? How can I forget that I am living in a technology driven world where everything can be done online? Now without missing my cricket match, I can renew the policy. I sat on the couch and immediately opened my laptop and typed “online two-wheeler insurance policy renewal”. Google came to my rescue and showed ten different names of insurance companies. I looked at my TV screen and found the entire stadium was cheering for Kohli who completed his century. With a big smile on my face, I started reading reviews about some insurance companies and finally zeroed in on ICICI Lombard. I opened the insurer’s website and started reading about its two-wheeler insurance policy.
I looked up at the TV screen, and as it was the last over of India’s batting, I put my laptop on one side and started watching the match. It was Dhoni and Kohli at the crease. On first four balls, India got only three runs. Dhoni played at short third man and got three. Now it was Kohli at the striker’s end. While the spectators tried to clear their throats from the last ball uproar, Kohli sent the ball straight over the fast bowler Rumman Raees’s head for a huge six. The Indian innings came to an end, and thanks to Kohli’s century, India had a good 190 runs on the scoreboard to defend.
Now, it was Pakistan’s turn for batting. I did not want to miss the excitement and drama of the second innings, so I again took up my laptop to renew my policy as quickly as possible. While reading ICICI Lombard’s two-wheeler policy, I came to know about the long-term feature of the policy which was sadly not offered by my present (who was soon going to become my previous) insurer. I read some articles on the insurer’s website to know about long-term two-wheeler policy. I was surprised to know that unlike normal policies, I don’t need to renew ICICI Lombard’s long term two-wheeler insurance policy every year, which gives coverage for three years in one go. Further, with long-term policies, I am insured for a long time without vehicle inspection and there is seldom any chance of policy lapse due to non-renewal of the policy. I immediately called up the insurer’s customer care to know more about long-term policies and how can I transfer my present No Claim Bonus (NCB*). While dialing the number, I was feeling bad for customer care executives who were working today also when the India-Pakistan cricket match was going on.
Soon I got connected to a customer care executive, Rahul, to whom I told that I wanted to buy a long-term insurance policy and need to know the procedure of transferring my NCB. He said that I only need to give some basic details about my present insurance policy and the NCB can be transferred at the time of buying the insurance policy.
I got so excited after knowing the benefits of a long-term policy that I updated Rahul with the latest score of the cricket match before cutting the phone line.
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I downloaded ICICI Lombard’s two-wheeler insurance policy brochure and read all policy information in detail. In the meanwhile, I looked up at my TV screen and saw two Pakistani batsmen on the crease. While Dhoni was ready with his gloves on, Ashish Nehra was waiting for the umpire’s signal to start bowling.
I again glanced over the policy document which says that ICICI Lombard has a wide network of garages** where I can get cashless service. Also, the insurer has the 24×7 call centre where I can call to report my claim at any time and the insurer will appoint a surveyor who will come for inspection and give an on-spot approval, as per the case. What I like most about the policy is that it covers my bike for three years in one go. It saves me from the hassles of renewing my policy annually. Moreover, long-term policies save me from the annual hike in third-party premium rates.
One look at the ‘review and rating section on the bottom of the page makes me confident that ICICI Lombard is the company which I was looking for. Without wasting a minute, I started filling the insurance renewal form. I just entered my vehicle registration number and other details like my vehicle make, model, registration city, etc. were filled automatically. I was like – “wow this great”. I quickly reviewed the quote, made the payment, and got the policy renewed in a few minutes.
I looked up at the TV screen and found that Ashish Nehra had already finished his over and got one wicket, and now Ashwin was bowling. Without wasting my money and energy, I selected the best insurance company for my darling bike and got it renewed in a few minutes and that too without missing my cricket match. I was happy and relaxed as now both the Indian cricket team and my bike were safe. Thanks to ICICI Lombard, my next motorcycle journey is safe and secured!
Oh! how can I conclude this write-up without telling you the result of the match? Without any guesses, India won the match! Hip Hip Hurray!
*No Claims Bonus will only be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy. The NCB will be available; provided you show evidence that you are entitled to NCB from your previous motor insurance company. Evidence can be in form of a written declaration or renewal notice or a letter confirming the NCB entitlement from the previous insurer.
** As of 15th March 2017
The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale.
ICICI Lombard General Insurance Company Limited, ICICI Lombard House, 414, Veer Savarkar Marg, Prabhadevi, Mumbai – 400025. IRDA Reg. No. 115. Toll Free 1800 2666 Fax no – 022 61961323.
Motor 05 IRDAN115P0015V03201415 (Comprehensive Insurance (Two Wheeler) “B” Policy), UIN 4057, CIN (U67200MH2000PLC129408)