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ICICI LOMBARD GENERAL INSURANCE COMPANY LIMITED

insurance claim dispute in ICICI lombard

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I have motor card insurance with ICICI lombard.
Electronic device is damaged due to flood water came inside.
As per policy, insurance company should pay 95% of equipment cost as it is new car.
They are planning to pay only 50% by saying it is plastic. But it is not plastic item.

They are even providing details on e-mail.
Please help me to proceed further.

COMPLAINT AGAINST ICICI LOMBARD GENERAL INSURANCE COMPANY LIMITED

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Complaint Details: 
SIR, I HAS A HOME INSURANCE POLICY WITH ICICI WITH POLICY No. 4013/ICICI-HSP/291790/00/000. I HAD BURST PIPE IN 2011 FOR WHICH A CLAIM OF Rs 39500 WAS GIVEN TO ME ON 16/09/2011 WITH CHEQUE No. 514580 WITH REFERENCE No. 3081168. NOW THIS YEAR ALSO I GOT A PIPE BURST, FOR WHICH , I ENTERED A COMPLAINT WITH REFERENCE No. 70120139. FOR THIS, COMPANY HAD REJECTED MY CLAIM SAYING PIPE BURST IS NOT INCLUDED IN INSURANCE. BUT PIPE BURST IS INCLUDED IN POLICY VIDE CLAUSE 9 OF SCOPE OF COVER. AND ALSO A CLAIM FOR SAME HAD BEEN SETTELED EARLIER ALSO. COMPANY IS ILLEGALLY DENYING ME A CLAIM. PLEASE SETTLE IT.
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