Decent insurance. Review on ICICI Lombard Auto Insurance

I got my two wheeler insured from this company and this company was recommended to me by a brokerage firm called SMC insurance.it cost me 1630 rupees after cutting the no claim bonus of the previous insurance.the vehicle is insured for one year and if any harm is caused to my vehicle during the tenure then the company is liable to pay 70 percent of the amount needed for repair and thirty percent is to be paid by us.the company will always pay 70 percent no matter how many times I ask for the claim. this is a first party insurance in which if I meet with an accident with another person both of us will get the benefit of the company. a third party insurance was also an option in which only the person with whom I had the accident would earn the benefits of the icici and I would have to repair my vehicle from my own pocket.this scheme was for 850 rupees and bumper insurance scheme was not available.i have no particular reason of choosing this company .i found all the companies more or less the same.i hope I do not have to ever find out whether their insurance policies are true