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Important judgements passed by the Consumer Courts
General Insurance



1. Insurance Company should compensate

National Commission, New Delhi
Revision Petition No. 7 of 1991

S. Bhagat Singh                               --- Petitioner
       Vs.
The Oriental Insurance Co. Ltd.          --- Respondent



2. To constitute a loss within the meaning of a fire policy, is sufficient that the loss has been caused by fire

National Commission, New Delh
First Appeal No. 723 of 1993

M/s National Insurance Co.Ltd.             --- Appellant
                  Vs 
Mr.Pawan P.Sahani and Ors.               --- Respondent



3. Claim settlement reached with a third party is not   binding on the complainant

National Commission, New Delhi
Revision Petition No. 1318 of 1998

Branch Manager, New India Assurance Co. Ltd.    ... Petitioner
                          Vs
M/s Vimal through its Proprietor, Vikramaditya Pal ... Respondent



4. Repudiation of mediclaim based on the plea that the disease was pre-existing is not justified.

NATIONAL COMMISSION, NEW DELHI
REVISION PETITION NO. 558 OF 1997

M/s. United India Insurance Co. Ltd.                  ...  Petitioner
                 Vs.
Gurdeep Singh Oberoi                                        ...  Respondent


5. After a insurance claim is made in time, the Insurance Company cannot refute the claim for its own delay

NATIONAL COMMISSION, NEW DELHI
First Appeal No. 517 of 1994

M/s National Insurance Co. Ltd.              ---     Appellant
                   Vs.
Marthi Crystal Salt Co. Ltd.                     ---     Respondent



6. Even in case of breach of condition of policy, the insurer has to  pay 75% of the claims

National Commission, New Delhi
Revision Petition No. 1383 of 1996

Kesarben                                                        ---  Petitioner
     Vs
M/s United India Insurance Co. Ltd.                   ---  Respondent



7.  Discharge receipt given to Insurance Company due to financial hardship is not enforceable.

National Commission, New Delhi
Revision Petition No. 870 of 2001

United India Insurance Co. Ltd.            ---   Petitioner
                                             Vs.
K. Gangadharan                                     ---   Respondent


8.  Insurance Co. should give good reasons for reducing the claim. Otherwise the insured may lodge a protest immediately on receipt of the reduced claim.

National Commission, New Delhi
First Appeal No. 219 of 1995

Singareddy Ramana Murty                              ----- Appellant
                                       Vs.
M/s National Insurance Co. Ltd. & Ors.             ----- Respondents



9. When the cheque issued towards the premium for a insurance policy gets dishonoured, the Insurance Company is not liable to provide the insurance cover

National Commission, New Delhi
Revision Petition No. 1284 of 2003

Divisional Manager, Oriental Insurance Co. Ltd. .. Petitioner 
                               Vs
Sanjay Kumar Panigrahi                                 ... Respondent



10. When the owner is ignorant that the license possessed by the driver hired is fake, he cannot be penalised
National  Commission, New Delhi
Revision Petition No. 2140 OF 2001

Smt. Kamlesh Rai                           ..   Petitioner 
                Vs
The Oriental Insurance Co. Ltd.        ...  Respondent

      The Supreme Court in its Judgement has contradicted the conclusion of the NCDRC.   

CIVIL APPEAL NO.3501 OF 2004

National Insurance Co. Ltd.                             ...Appellant(s)
                   Versus
Harbhajan Lal                                                  ...Respondent(s)


11. When premium is not received by the Insurance Co., mere issuance of the cover note does not make it liable

National Commission, New Delhi
Revision Petition No. 2147 OF 2001

Mr. Anil U.Pandey                                ..    Petitioner 
                 Vs
The National Insurance Co. Ltd.             ..    Respondent


12. In the absence of evidences to support damage due to accident, Insurance Company was right in disallowing the claim.

NATIONAL COMMISSION, NEW DELHI
REVISION PETITION NO.   50   OF  2013

Captain Brij Mohan                                                        … Petitioner
                                               Versus
New India Assurance Co.Ltd.                                        ...  Respondents


13. An insurance claim cannot be paid, unless the application for transfer is duly made to the insurance company within the prescribed period.

NATIONAL COMMISSION, NEW DELHI
REVISION PETITION NO. 2161 OF 2008
                   
NEW INDIA ASSURANCE CO. LTD & ANR.    ...........Petitioner(s)
                                                 Versus    
M/S. M.G. TECHNICALS & ORS                        ...........Respondent(s)


14. Even in the absence of a licence to drive light commercial/goods vehicle, but when holding a valid light motor vehicle licence, the Insurance Company is bound to honour its liability

NATIONAL COMMISSION, NEW DELHI
          REVISION PETITION NO. 213 OF 2009             
                    
NEW INDIA ASSURANCE CO. LTD.               ...........Petitioner(s)
                                                   Versus    
POSHU RAM @ SESH RAM                              ...........Respondent(s)


15. Insurance Company penalised for not informing the consumer about the exclusion clause of the policy

NATIONAL COMMISSION, NEW DELHI
                     REVISION PETITION NO. 2368 OF 2016              

TUNTUN PRASAD SAH                                    ...........Petitioner(s)
                                                        Versus     
Branch Manager, United India Insurance Co. Ltd.  ...........Respondent(s)


16. Insurance Company can repudiate a claim of damage or even loss of the vehicle, if it is not registered.

NATIONAL COMMISSION, NEW DELHI
REVISION PETITION NO. 1264 OF 2014

ORIENTAL INSURANCE CO. LTD. & ANR.     ...........Petitioner(s)
                                                      Versus    
VIKRAM KANDA                                               ...........Respondent(s)

17. Insurance Company directed to pay the compensation after adjusting for under Insurance

NATIONAL COMMISSION, NEW DELHI

ORIENTAL INSURANCE CO. LTD.                  ...........Appellant(s)
                                                   Versus    
HANSRAJ BAFNA & ANR.                                ...........Respondent(s)

18. Insurance Company can reject a claim for inordinate delay in informing it and that too without valid reasons.

NATIONAL COMMISSION, NEW DELHI
                   
RAMNIWAS                                                       ...........Petitioner(s)
                                               Versus    
TATA AIG GENERAL INSURANCE COMPANY LIMITED & ANR.
                                                                            ...........Respondent(s)


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