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Important judgements passed by the Consumer Courts

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

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

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