ICICI Lombard: Amitabh Jain said, “A vehicle accident is a disturbing thing. It is a difficult task to cope with the repair and claim approval process. But we try to have a great customer experience.
Whenever any of our precious car is the victim of an accident, it is a difficult period for us. The first concern that comes to our mind is that the claim settlement process should not be delayed. Keeping this problem in mind, private sector non-life insurance company ICICI Lombard General Insurance has launched the DIY (Do-it-yourself) feature. Its name is ‘InstaSpect’ (Insta Specta). It has been launched under the IL TakeCare App.
This feature eliminates the need to take stock of the damage caused by vehicles through physical survey. Instead, it has included the option of live streaming, which leads to virtual assessment of the damaged vehicle. This reduces the time of claim approval to just a few hours.
Claim getting approval from home
The company claims that since its inception, more than 10 lakh motor insurance claims have been approved. In the digital era, InstaSpect has gained a lot of momentum in this new normal and now more and more people are getting claim settlement without leaving home in this era of Corona.
Agents and surveyors were having problems traveling in Corona during the period due to social distancing. In this case, InstaSpect has emerged as the easiest way to claim motor insurance without any problems and delays.
Verification will be done through video call
It was launched in 2018 and since then it has emerged to be extremely popular among customers across the country. It includes many interactive features such as instant survey through live video call. It has features related to the solution through video call and real time inquiry with the help of claim managers. It has helped immensely in gaining popularity of this feature of the app.
This mobile self-inspection feature eliminates the need for physical testing of vehicles. The customer just has to open the ‘IL TakeCare app’ and click on the ‘InstaSpect’ option. It connects customers with claim managers. The Claim Manager guides the customer through live video streaming and assesses the damage done to the vehicle online.
Approval takes place within a few hours
The claim manager tells the customer a rough estimate of the damage and liability. The customer can then accept the claim manager’s assessment. With this, the claim is immediately extended for further approval. After this, the claim manager instructs to bring the vehicle to the nearest garage present in the network. With this, the garage gets instructions to be ready immediately so that its repair can be started as soon as the train arrives.
Company officials said – no problem for customers
On exceeding the 10 million damage claim approval, Amitabh Jain, Head of Health and Motor, Underwriting and Claims, said, “A vehicle accident is a disturbing thing. It is a difficult task to cope with the repair and claim approval process. But at ICICI Lombard, we try to have a good customer claim experience. They should not face any kind of problem in this.
InstaSpect not only provides instant solutions to customers, but it is also very easy to use. It empowers customers through an easy-to-use app interface. Our effort is to give them a great experience in the motor insurance category. Our initiative is part of this. We want to provide the best service to the customers through technology solutions. ”
App also provides facility to health insurance customers
The purpose of contactless service being provided by the company is that people can get the service without getting upset. The IL TakeCare App is one such solution in this direction. This app also provides OPD solutions to health insurance customers. It is not only helpful in getting them claims and providing service but it also provides wellness, tele-consultations and home-based care.
The IL Take Care app provides a one-stop solution for customers’ motor, health and wellness needs. ICICI Lombard is bringing new solutions as per the specialty of its brand so that it can live up to its motto, ‘Nidaaye Vaada’.
