u/Past_Grocery20

New India Assurance policy expiry date- 4 Dec 2025

Pre-renew my policy- 13 Nov 2025 (with 20% NCB)

Raised a claim- 20 Nov 2025

Claim processed- 25 Nov 2025 (with New India Assurance)

Raised a new claim- 11 Aug 2026 (with ICICI)

ICICI rejected by saying FAKE NCB.

Now, I paid Rs 700, which is 20% NCB of my insurance and completed the NCB recovery process.

My Repair cost will be approx 30k.

Now ICICI is saying they will only pay 80%, and the rest 20% will be paid by me. Is this the standard process?

I think this is for cases when someone has a past claim and, in renewal, they mention no previous claim intentionally; then they are eligible to ask for such standard practices.

But my case is different, and now they are saying I must have updated them at the time when my policy was started with ICICI. Is this my responsibility?

New India Assurance policy expiry date- 4 Dec 2025

Pre-renew my policy- 13 Nov 2025 (with 20% NCB)

Raised a claim- 20 Nov 2025

Claim processed- 25 Nov 2025 (with New India Assurance)

Raised a new claim- 11 Aug 2026 (with ICICI)

ICICI rejected by saying FAKE NCB.

Now, I paid Rs 700, which is 20% NCB of my insurance and completed the NCB recovery process.

My Repair cost will be approx 30k.

Now ICICI is saying they will only pay 80%, and the rest 20% will be paid by me. Is this the standard process?

I think this is for cases when someone has a past claim and, in renewal, they mention no previous claim intentionally; then they are eligible to ask for such standard practices.

But my case is different, and now they are saying I must have updated them at the time when my policy was started with ICICI. Is this my responsibility?

New India Assurance policy expiry date- 4 Dec 2025

Pre-renew my policy- 13 Nov 2025 (with 20% NCB)

Raised a claim- 20 Nov 2025

Claim processed- 25 Nov 2025 (with New India Assurance)

Raised a new claim- 11 Aug 2026 (with ICICI)

ICICI rejected by saying FAKE NCB.

Now, I paid Rs 700, which is 20% NCB of my insurance and completed the NCB recovery process.

My Repair cost will be approx 30k.

Now ICICI is saying they will only pay 80%, and the rest 20% will be paid by me. Is this the standard process?

I think this is for cases when someone has a past claim and, in renewal, they mention no previous claim intentionally; then they are eligible to ask for such standard practices.

But my case is different, and now they are saying I must have updated them at the time when my policy was started with ICICI. Is this my responsibility?

New India Assurance policy expiry date- 4 Dec 2025

Pre-renew my policy- 13 Nov 2025 (with 20% NCB)

Raised a claim- 20 Nov 2025

Claim processed- 25 Nov 2025 (with New India Assurance)

Raised a new claim- 11 Aug 2026 (with ICICI)

ICICI rejected by saying FAKE NCB.

Now, I paid Rs 700, which is 20% NCB of my insurance and completed the NCB recovery process.

My Repair cost will be approx 30k.

Now ICICI is saying they will only pay 80%, and the rest 20% will be paid by me. Is this the standard process?

I think this is for cases when someone has a past claim and, in renewal, they mention no previous claim intentionally; then they are eligible to ask for such standard practices.

But my case is different, and now they are saying I must have updated them at the time when my policy was started with ICICI. Is this my responsibility?

I’m confused between using Scapia card or HSBC Premier card in Thailand. Which one is better for forex charges, exchange rates, rewards, and acceptance?
I already have HSBC Premier, and I have to apply for Scapia to see if it's worth it.

If you’ve personally used either card in Thailand, please share your experience. Also, should I use one as the primary card and keep the other as a backup?

I’m confused between using Scapia card or HSBC Premier card in Thailand. Which one is better for forex charges, exchange rates, rewards, and acceptance?
I already have HSBC Premier, and I have to apply for Scapia to see if it's worth it.

If you’ve personally used either card in Thailand, please share your experience. Also, should I use one as the primary card and keep the other as a backup?

1. Is it crowded?
2. How's the trainer?
3. What are their 1-month/3-month charges?

I don't know; I will go for how many days or months, so I don't wanna get a 1-year membership in start.
I need a general trainer, not a Personal trainer, as it will be my first time for any Gym.

I recently received BPCL SBI octane, but 6.25% is very low. Any better cards available?
Or any card that provides RPs on FASTag recharges?

The regular 17 already seems good enough for most people. The price jump to the Pro is huge, and outside the camera, I’m struggling to see why so many people still go for it.
Genuinely asking: is there some real advantage I’m missing, or is it mostly just “I wanted the better one”?

I’m currently using Delhivery Direct. They provide a dead weight waiver up to 1kg, meaning if the dead weight is 1kg but volumetric weight is around 1.5kg, I’m still charged in the 1kg slab.

The issue is that their wallet recharge/payment charges are quite high, so I’m looking for alternatives.

Can anyone suggest courier aggregators or logistics partners in India that offer a similar dead weight waiver up to 1kg?

Main requirement: Dead weight up to 1kg should be charged as 1kg, even if volumetric weight is slightly higher

Would really appreciate real user experience, especially from e-commerce sellers.

marvel clips shorts with ai voiceover are monetized or not? Example- u/Sensimity

Does any such niche exist anymore?

Does any such niche exist anymore?