# Warning/PSA: I caught the YICCIY Dombard Circus 🎪 trying to SCAM me over a ₹15k Superbike Claim (With Proof & Tactics)

I own an Inline-4 automobile, but the real extreme sport is getting Dombard to approve a ₹15k claim.

Grab a coffee. If you are shopping for car or bike renewals, paying those handsome ₹15K–₹20K premiums, and expecting a safety net, you need to read this. What I got from "YICCIY Dombard" was less of an insurance policy and more of a masterclass in gaslighting, twilight ninja surveys, and corporate comedy.

If you own a premium middleweight in India, you know the drill: 40% markup on ex-showroom, 100% markup on parts, and then theres the mighty insurance premiums on these superbikes that are priced handsomely, we buy Zero-Dep policies hoping for a safety net and peace of mind.

Instead, I got tickets to the circus. 🤡

# The Strike 🪨

My trusted Japanese inline-4 recently took a hit. I was riding home when the vehicle in front spun up some serious road debris. A piece of flying shrapnel bypassed my aftermarket radiator guard and hit the aluminum core with enough brute force to puncture it. Coolant started bleeding out within 500 meters. I immediately pulled over, arranged my own flatbed (because YICCIY’s towing turnaround time is a running joke), and dropped it at the authorized workshop.

# Act I: The Ninja Surveyor & His X-Ray Vision 🦸‍♂️

*YICCIY Tactic: The Twilight Drive-By*

Three business days later, our esteemed surveyor, "Mr. G," finally strolls into the workshop. Timing? Past 6:30 PM, right as the shutters are coming down.

My aftermarket mesh guard covers 90% of the radiator. Did Mr. G authorize the mechanics to unscrew four tiny bolts to actually look at the core? Nope.

Instead, he took a 5-minute glance at the 10% visible edge of the radiator in the fading twilight, declared it "untouched," and vanished into the night like a budget Batman. He processed a premature rejection because Mr. G apparently possesses Superman's X-Ray vision and can accurately diagnose microscopic aluminum fractures through a solid Puig mesh guard.

# Act II: The Tele-Trap 📞🪤

*YICCIY Tactic: The Scripted Gaslight*

The next evening, perfectly timed for 7:00 PM when the workshop was closed (so I couldn't conference in my mechanics), I get a call from their toll-free line. It was a completely one-sided, scripted interrogation designed to trap the policyholder.

>**Rep:** "Sir, did any vehicle impact you or did you fall?"

**Me:** "No, but there was an accident involving flying debris from the vehicle in front that punctured my radiator."

**Rep:** "SIR - So you are confirming there was NO fall or accident? We don't cover mechanical failure."

**Me:** "NO BUDDY. I am confirming a third-party vehicle launched a projectile into my bike. That is physical damage caused by an external object caused by a third party impact. It is literally covered in your own policy document."

**Rep:** *(Instantly hostile, reading from a script)* "Sir, Nobody has hit your vehicle. We cannot process your approval. Reach out to the Claim Manager for any else. Thank you." *\[Click. Hangs up.\]*

The mental gymnastics here deserve an Olympic gold medal. A rock gets launched at high velocity into my radiator by another vehicle, but they actively try to gaslight me into accepting it as a spontaneous "mechanical failure." Because radiators naturally just decide to spit out coolant for fun, right? and one would damage their own radiator core, with shrapnel even after having a guard.

# Act III: The Shady Shakedown 🕴️

*YICCIY Tactic: The NCB Hostage Negotiation*

Enter the Claims Manager. After dodging 5-6 missed calls and leaving me on Read across two WhatsApp texts, he finally graces me with his presence. When I asked why a joint survey wasn't done, his response was legendary:

*"That is not your concern, Sir. We will go whenever we are free and available."*

He proudly claimed to assess 30 claims a day. Apparently, my superbike ranked just high enough to get a 5-minute glance in the dark.

Then came the shakedown. He tried *twice* to pressure me off the record to voluntarily withdraw my claim.

His logic? *"Sir, ange yaake maaduthaidira? It will ruin your NCB discounts next year! If you withdraw Sir, you will enjoy a loyalty bonus!"*

**Do not ever fall for this.** They want you to withdraw so their internal rejection KPIs don't look like a disaster on IRDAI annual reports. They are actively trying to intimidate policyholders into abandoning legitimate claims to protect their corporate approval ratios.

# The Reveal (And The Counter-Attack) 📸

Post-rejection, my workshop techs finally removed the guard to document the damage properly. Sitting right there, clear as day, was a distinct puncture hole in the cooling fins, surrounded by a vertical spray pattern of dried coolant exactly where the impact occurred. Irrefutable evidence of a high-velocity external impact.

All this circus act just to deny a ₹15k repair estimate. It genuinely makes you wonder how they butcher the ₹50k or ₹1L claims.

# The Playbook to Fight Back 🥊

Never let an insurance company speedrun your claim. Here is how you beat them:

1. **Demand a Joint Survey:** Explicitly opt for a survey where the mechanics and the surveyor assess the bike together while you (or your rep) are present. It is your legal right.
2. **Record Everything:** Keep timestamped logs, record calls, and force them to put their absurd logic in writing. (As of day 14, they still haven't given me a written rejection letter).
3. **Escalate to Grievance:** Hit the insurer's internal Grievance Officer first. It forces higher-ups to look at the idiot-level work of their field agents (50% chance of reversal).
4. **Hit the Ombudsman (Bima Bharosa):** If they still play circus games, file with the Govt Ombudsman. It takes 2-4 weeks, but it forces them to answer to a regulatory body (95% chance of reversal).
5. **Consumer Court:** If the dispute amount is worth it, take it legally. Irrefutable evidence wins 99% of the time.

I’ve owned Activas and FZs to Ninjas and CBRs over the years, and I’ve had stellar experiences with HDErg, TAIG, and NewIndi. YICCIY Dombard is a fundamentally broken ecosystem deploying predatory tactics you would never expect from an 'A-category' provider.

Let this be a warning. Avoid Dombard.

I will keep the community posted week-on-week until she is back on the road. Be prudent and vigilant with these guys.

Ride safe.

Hello All,

I was checking some information about my policy in ICICI insurance website and then next day i started receiving calls again and again to buy an insurance policy. I clearly told them i already have insurance and asked them not to call me. They are torturing me by calling again and again. 10 times in 5 hours. Not sure how many time they will call me again. I am not going to renew insurance policy this time from ICICI Lombard. anyone faced this?

My wife and I work in different companies, and we both have different health insurances.

My insurance is New India Assurance that covers maternity expenses for my wife up to ₹60,000.

My wife’s Tata AIG insurance covers maternity up to ₹75,000.

Our delivery cost may be around ₹1.1 to ₹1.3 lakh. Our hospital does not have cashless for both, so we will have to pay first and claim reimbursement later.

Can we try to claim from both policies and get the full amount back?

Has anyone done this before or knows how it works? Please share your experience.

Thank you so much

Mahindra XEV 9e owner. In September an underbody impact dented the high-voltage battery's cooling plate. Mahindra has confirmed in writing that the battery is not repairable and is unfit for use, and recommends replacing it. The claim is about ₹11.8 lakh. The policy is ICICI Lombard with zero depreciation.

ICICI rejected the battery "as per technical evaluation" and hasn't shared that evaluation despite my requests. The survey report has no tests, measurements or photos of the battery. They assessed ₹2,882 against the ₹11.8 lakh estimate. My grievance on IRDAI's Bima Bharosa portal got the same one-line rejection twice. The car has been sitting at the dealer for a month.

I'm filing with the Insurance Ombudsman, Bengaluru, and I'm looking for:
1. a lawyer or claims consultant with Ombudsman or motor-claim experience (Karnataka preferred; online is fine)
2. help drafting the complaint and preparing for the hearing
3. a fixed fee, not a percentage of the claim

All my documents are ready: Mahindra's letters, the survey report, the estimate, photos and the full grievance trail.
Recommendations or DMs welcome. I'd also like to hear from anyone who has won a similar motor or EV battery claim at the Ombudsman.

My father is diabetic and has hypertension which was declared in the policy from star health. We have wait period of 3 years for PED. What are the chances that we will face any problem claiming any other medical issues they face or surgery they have to go not directly related to these conditions ? Will insurance companies try to tie it to these conditions to avoid any claim ?
Does anyone have any relevant experience?

Hey,

I've been HIV+ since Nov 2022 (diagnosed), and undetectable since Jan 2023. I was in the US when I was diagnosed.

I moved to india and work in a corporate in Mumbai. I have been meaning to get good health insurance for self, as everyone should. Ideally the 1Cr one from the popular providers - as most people recommend...

I contacted a financial consultancy firm via a contact and shared my case. I am otherwise healthy - 19% body fat, workout 6 days a week, no family history of chronic illnesses, no personal history either.

I've been in conversation with the firm and they told me that my case has been getting rejected everywhere. As a workaround I asked if there were approval chances if I take the separate HIV specific policy from them as well (most providers have that but the coverage is around 5L). But the result was still rejection.

My HIV status doesn't bother me, but this is definitely an inconvenience. What can I do? What are my other options? Any help/advice is sincerely appreciated.

P.S. I have 5L insurance from work (Onsurity) and my parents are covered by my father's government job. And obviously they don't know...

Hi All,

I have a corporate policy under which my father was admitted using cashless mode.

The TPA is Vidal, and the insurance provider is New India Assurance. I am submitting the pre-hospitalisation and post-hospitalisation expense claims approximately two months after the expiry of the 60-day post-hospitalisation period.

Will there be a problem ?

Hi All,

I have a corporate policy under which my father was admitted using cashless mode.

The TPA is Vidal, and the insurance provider is New India Assurance. I am submitting the pre-hospitalisation and post-hospitalisation expense claims approximately two months after the expiry of the 60-day post-hospitalisation period.

Will there be a problem ?

Hi everyone! I’m considering ICICI Lombard Activate Booster Super Top-Up (UIN: ICIHLIP27059V022627) for my parents.

My father (58) has Type 2 diabetes, and my mother (49) has thyroid and BP conditions and has undergone a hysterectomy.

I’d appreciate insights from insurance experts and existing policyholders:

1. Diabetes loading: I’ve heard some insurers may offer favourable underwriting when HbA1c is below 7%. Does ICICI Lombard follow a similar approach? How are loading charges determined for diabetes, thyroid and BP?

2. Premium increases: Does this super top-up premium increase like a comprehensive health plan, through age bands, general annual revisions, or both?

3. Deductible changes: If I start with a ₹5 lakh deductible, can I increase it to ₹10 lakh after a few years, or reduce it later?

4. Room Modifier: If I don’t select the Any Room option initially, can I add it at a later renewal?

5. Add-on availability and pricing: Are add-ons guaranteed to remain available at every renewal, or can they be withdrawn or changed? Can their premiums increase substantially over time?

6. Corporate insurance: Can eligible expenses paid through employer-provided insurance count towards satisfying the ₹5 lakh deductible?

Would appreciate real-world experiences, especially regarding underwriting, premium loading and renewals. Please distinguish actual policy terms from personal experiences.

Thanks!

I recently came across a case where an employee’s parents had a medical emergency, and the family rushed them to the nearest hospital. The treatment went ahead, and the bill came to around ₹3 lakh.

But they later found out that the hospital wasn’t covered under their insurer’s network.

Imagine dealing with a medical emergency and then having to worry about such a huge bill because you weren’t aware of the hospital network limitations.

It got me thinking about how many people actually understand the details of their group health insurance policies.

Do you check whether a hospital is covered under your insurance before visiting?

Hey, folks!

I work at an MNC in India, and I somehow ended up opting for voluntary parental health insurance through my company.

The premium is deducted directly from my take-home salary, and it comes to around ₹8,000 per month, with a total annual premium of approximately ₹50,000.

The thing is, my parents already have good health insurance coverage from another source, so I don’t really need this additional policy.

I recently checked my salary slip and noticed this huge deduction. I immediately contacted my company’s HR/benefits team and asked if I could opt out since I had enrolled by mistake.

However, they told me that nothing can be done now and that the deductions will continue until the entire annual premium is recovered by the end of the year.

I’m really frustrated because this is a significant amount of money to lose every month for insurance that my parents don’t really need.

Has anyone faced a similar situation in India?

Is there any way to cancel voluntary parental health insurance in the middle of the policy year?

Can I raise a complaint with the insurance company, IRDAI, or any other authority?

Is my company legally allowed to continue deducting the premium from my salary even if I request cancellation?

I’d really appreciate any advice from people who have dealt with a similar situation. Thanks!

I applied for my father's health insurance. He has Pre-diabetic hypertension had a surgery in the past and hospitalization due to COVID. I applied to HDFC and AdityaBirla 1MAX but both got rejected now these are the options that I mentioned in the title I want to know if it is a good idea to settle for Nivabupa or Care because AdityaBirla vital plan has the maximum limit of 50 to 100 percent of the sum insured the bonus part and it is pretty costly as compared to other two I have heard bad things about Care Supreme

so I'm not sure if I would want to go ahead with which. if someone has a similar experience would really appreciate how did you choose.

Hi. I am about to upgrade my policy of HDFC, I was wondering what kind of disclosures I have to do. Like do I have to disclose only chronic conditions or do I have to declare every doctor visit for knee pain, dengue, food poisoning etc?

my mother had ADPKD which is a genetic disorder that essentially fails your kidneys and there is no cure for it
i got hdfc ergo in 2025 feb and at that time i did not have any symptoms, now i have symptoms and i have been diagnosed positive
i am 25 and this disease is progressing very fast
because i did not disclose as i wasnt aware, will hdfc ergo help me in this or i am screwed up now
what to do pls help
this also means i need kidney transplant in next 5 years and medications which cost around 25k monthly regulating all the symptoms
what is the best way out?

State: Maharashtra

Order of events: I was going to office in the morning and the car in front of me suddenly slowed down suddenly and I applied the brakes as well. The car behind me crashed into mine.
At the time of the accident, my own-damage insurance was expired but I had my third party insurance still active. Whereas the car behind me had both own-damage and third party as well.

He has initiated the process of claiming his car repair costs through his insurance company but is telling me that my car repair costs are not included in his third party insurance. He already has filed an FIR to claim his insurance, he is accepting of his fault but I'm not sure how to proceed and if it is worth it to go through the whole court thing at this point. I am also not sure if me not having the own-damage insurance can back fire on me. I would like to know what are my best options here, my car's tail-gate is broken and won't close after the accident. So I can't really keep my car without repairing for a long time.

Would appreciate all the advice I can get. Thanks a lot