19 July 2026

TO,
The Grievance Officer / Legal Department
ICICI Lombard General Insurance
[Registered Office Address]

Subject: LEGAL NOTICE FOR UNJUSTIFIED REJECTION / NON-SETTLEMENT OF INSURANCE CLAIM — POLICY NO. IL-MO-99120 — DEMAND FOR SETTLEMENT

UNDER INSTRUCTIONS FROM AND ON BEHALF OF: Meena Shah, [Address] — hereinafter “the Claimant”.

TAKE NOTICE AS FOLLOWS:

1. POLICY DETAILS: Our client holds Insurance Policy No. IL-MO-99120 issued by you, covering the subject matter of insurance. Premium was duly paid and the policy was in force on the date of loss.
2. CLAIM AND REJECTION: Our client duly lodged a claim of ₹2,65,000 under the said policy. By your communication, you have rejected / failed to settle the said claim on the stated ground of: Survey / assessment undervalued the loss.
3. THE REJECTION IS ILLEGAL AND UNSUSTAINABLE:
   1. The surveyor's assessment grossly undervalues the insured loss and does not reflect the actual cost of reinstatement. Under Section 64UM of the Insurance Act, 1938, a surveyor's report is not binding on the insurer or the insured; it is one piece of evidence which may be departed from for good reason.
   2. In National Insurance Co. Ltd. v. Meghana Bio-Tech (F.A. No. 39/2018), the Hon'ble NCDRC held that proper quantification of loss is mandatory. The assessment on record fails this standard.
4. DEMAND: You are hereby called upon to (a) RECONSIDER and SETTLE the claim for ₹2,65,000 together with interest at 18% per annum from the date of rejection; OR (b) furnish a written, reasoned reply with legal justification within 15 (fifteen) days of receipt of this notice.
5. CONSEQUENCES OF NON-COMPLIANCE: Failing compliance, our client shall be constrained to initiate proceedings before the appropriate forum, including but not limited to the Insurance Ombudsman (Ahmedabad), the District / State Consumer Disputes Redressal Commission, the Motor Accident Claims Tribunal and/or civil courts — and shall seek, in addition to the claim amount and interest, compensation for mental agony and harassment, and costs of litigation, entirely at your risk as to costs and consequences.

This notice is issued without prejudice to all rights and remedies available to our client, all of which stand expressly reserved.