In a significant development, the Special Investigation Team (SIT) of Assam during investigation concluded that a motorcycle was fraudulently “implanted” into a 2015 road accident case to claim insurance benefits illegally from ICICI Lombard General Insurance Company Ltd.
ICICI Lombard undertook a detailed review of a motor accident case in Bongaigaon, Assam, dating back to 2015. The case involved an alleged collision between a motorcycle and a bicycle.
Suspicious of the details, the insurance company initiated an extensive on-ground verification process. The breakthrough came when the company obtained the corresponding Police General Diary Entries (GDE) through RTI. A cross-verification of the official records revealed that the vehicle insured by ICICI Lombard was implanted in place of the motorcycle actually involved in the accident.
ICICI Lombard moved before the Hon’ble Gauhati High Court to present the evidence of fraud and The Court taking strict cognizance of the matter, referred the case directly to the Special Investigation Team (SIT), Assam, constituted as per the direction of the Supreme Court in the case of Safiq Ahmad Vs ICICI Lombard GIC Ltd in SLP No 1110/17.
Following a comprehensive probe, the Assam SIT formally verified the fraud. The investigation unit found glaring discrepancies between the vehicle registration number recorded in the initial Police General Diary Entry and the registration number mentioned in the formal FIR lodged latter on.
The SIT’s final conclusion confirms that the insured motorcycle was implanted to the incident to extract compensation by fraudulent means, which exposed a highly organized manipulation of accident records.
Nazeem Khan – Head – Motor Claims, ICICI Lombard, said, “At ICICI Lombard, we are committed to uphold the highest standards of integrity in claims management. Every claim is assessed with diligence, objectivity, and transparency. Our focus remains on honouring genuine claims while safeguarding the process against inaccuracies, thereby reinforcing trust among our customers and stakeholders.”
ICICI Lombard continues to strengthen its claims governance framework by leveraging advanced analytics, field investigations, and robust internal controls. This integrated approach enables the company to enhance accuracy, reduce turnaround times, and maintain consistency in decision-making—further reinforcing confidence across the insurance ecosystem.
