State Consumer Disputes Redressal Commission
The Oriental Insurance Co.Ltd. & Ors. vs German Singh Chandrakar on 1 April, 2017
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miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj vihy Øekad% FA/2017/38 lafLFkr fnukad&17-01-2017 1 izca/kd] fn vksfj,aVy ba';ksjsal daiuh fyfeVsM eaMy dk;kZy; Øekad&1] enhuk eafty] tsy jksM] dpgjh pkSd] ftyk jk;iqj ¼N-x-½ 2 izca/kd] gsM vkWfQl fn vksfj,aVy ba';ksjsal daiuh fyfeVsM gkÅl ,&25@27] vklQ vyh jksM] ubZ fnYyh&110002 3 izca/kd] fn vksfj,aVy ba';ksjsal daiuh fyfeVsM FkMZ ¶yksj] VSDuks iksfyl 1&10&11] fpdksVh xkMZUl csxqeisV] gSnjkckn ¼vka/kzizns'k½ 500016 ----- [email protected] fo:) xseu flag panzkdj] vk;q 26 o"kZ firk Jh eksrhyky panzkdj] fuoklh dSyk'k uxj] chjxkao] Fkkuk &mjyk rglhy o ftyk jk;iqj ¼N-x-½ ------- mRrjoknh@ifjoknh le{k% ekuuh; U;k;ewfrZ Jh vkj- ,l-'kekZ] v/;{k A ekuuh; Jh Mh-ds-iksn~nkj ] lnL; A ekuuh; Jh ujsanz xqIrk ] lnL; A // 2 // i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh eukst izlkn vf/koDRkk A mRrjoknh dh vksj ls Jh yds'oj panzkdj vf/koDrk A vkns'k fnukad% 01-04-2017 }kjk%&ekuuh; U;k;ewfrZZ Jh vkj- ,l- 'kekZ] v/;{k [email protected] us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] jk;iqj ¼N0x0½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k Øekad&796@2014 esa ikfjr vkns'k fnukad&16-11-2016 ftlds }kjk ifjoknh ds ifjokn dks vkaf'kd :i ls Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd vukosnd chek daiuh ] ifjoknh dks vkns'k fnukad ls 1 ekg dh vof/k ds Hkhrj fuEukuqlkj jkf'k vnk djsa %& ^^¼v½ vukosn dx.k ifjoknh dks :- 3]28]551@& rhu yk[k vV~B kbZl gtkj ika p lkS ba D ;kou :i,½ ifjokn fnukad &16-12-2014 ls vnk;xh fnukad rd 9 izf r'kr lk/kkj.k okf"kZd C;kt lfgr vnk djs a x s A ¼c½ vukosn dx.k ] ifjoknh dks mijks Dr d`R ; ds dkj.k gqb Z ekufld d"V ds fy, :- 5]000@& ¼ika p gtkj :i,½ vnk djs a x s A ¼l½ vukosn dx.k ] ifjoknh dks vf/koDRkk 'kqY d rFkk okn O;; ds :i es a :- 3000@&¼rhu gtkj :i,½ Hkh vnk djs a x s A ls nqf[kr gksdj izLrqr fd;k gS A 02- ftyk Qksje ds le{k ifjoknh dk ifjokn laf{kIr esa bl izdkj jgk gS fd ifjoknh 26 o"khZ; uo;qod gS rFkk jkstxkj ,oa vius ifjokj ds // 3 // thou;kiu gsrq ifjoknh }kjk ,d ubZ okgu VkVk eSftd Øekad&lh-th- &04&Vh-&9969 fnukad 22@03@2012 dks eaxye eksVlZZ th-bZ-jksM rsyhcka/kk jk;iqj N-x- ls pksykeaMye bUosLVesaV ,.M Qk;usal daiuh fyfe- ds }kjk Qk;usal djkdj mDr okgu dks Ø; fd;k Fkk A ifjoknh ds vkf/kiR; ,oa LokfeRo ds mDr okgu dks vukosnd Øekad&2 ds dk;kZy; }kjk chfer fd;k x;k Fkk ] ftldk ikWfylh Øekad&431800@31@1012@10@00010884 gS A ifjoknh }kjk vius LokfeRo ,oa vkf/kiR; dh okgu dks fnukad&19-03-2013 dks lksuw&eksuw <kck flyrjk ds ikl jkf= 8-00 cts xkM+h dks [kM+k dj [kkuk [kkus gsrq <kck x, Fks rFkk [kkuk [kkdj okil vkus ij Kkr gqvk fd ifjoknh ds mDr okgu dks vKkr pksj }kjk pksjh dj fy;k x;k gS A ftldh fjiksV Z ifjoknh }kjk flyrjk pkSdh Fkkuk /kjlhaok esa ntZ djk;k x;k Fkk A iqfyl }kjk ifjoknh dh fjiksVZ ij izdj.k dh laiw.kZ tkap dj U;k;ky; ds le{k [kkRek fjiksVZ is'k fd;k x;k gS A ifjoknh ds LokfeRo ds okgu dks vukosnd Øekad&2 ds dk;kZy; }kjk laiw.kZ tksf[ke gsrq chfer fd;k x;k Fkk A ifjoknh ds okgu dh pksjh gks tkus ij ifjoknh }kjk vukosnd Øekad&3 ds dk;kZy; esa laiw.kZ nLrkostksa lfgr fnukad&24-07-2013 dks nkok jkf'k izkIr djus gsrq vkosnu izLrqr fd;k x;k Fkk ] ijarq okgu dh nkok jkf'k izkIr djus gsrq vkosnu i= izLrqr djus ds i'pkr~ Hkh vukosnd Øekad&3 ds }kjk vkSj nLrkostksa dh ekax dh xbZ rc ifjoknh }kjk iqu% fnukad&28-07-2014 dks laiw.kZ nLrkostksa dks vukosnd Øekad&3 ds dk;kZy; esa izLrqr fd;k x;k fQj Hkh vukosndx.k }kjk ifjoknh dks muds LokfeRo ,oa vkf/kiR; dh pksjh xbZ okgu dh nkok jkf'k dk // 4 // Hkqxrku ugha fd;k x;k ] tks fd vukosndx.k ds }kjk lsok esa dh xbZ fuEurk gS A ifjoknh dks vukosndx.k ds }kjk ifjoknh ds pksjh gqbZ okgu dh nkok jkf'k dk Hkqxrku ugha fd;s tkus ij ifjoknh }kjk vius vf/koDRkk ds ek/;e ls vukosndx.k dks iathd`r uksfVl fnukad&05-11- 2014 dks izsf"kr fd;k x;k ] fQj Hkh vukosndx.k }kjk ifjoknh dks fdlh Hkh izdkj dh nkok jkf'k dk Hkqxrku ugha fd;k x;k gS] tks vukosndx.k ds }kjk dh xbZ lsok esa fuEurk dks iznf'kZr djrk gS A blfy, ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gS A vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkos A 03 ftyk Qksje ds le{k vukosndx.k dh vksj ls izLrqr fyf[kr dFku fofgr le;kof/k esa is'k ugha gksus ls ] vfHkys[k esa ugha fy;k x;k gS A 04- mHk;&i{k }kjk fd;s x;s vfHkopu ] 'kiFk&i= ,oa nLrkosth lk{; dh foospuk i'pkr~ ftyk Qksje us ifjoknh ds ifjokn dks Lohdkj djrs gq, dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS] ftlds fo:) ;g vihy gS A 05 ifjoknh dh vksj ls ftyk Qksje ds le{k vius i{k leFkZu esa uksfVl fnuakd&05-11-2014 dh Nk;kizfr] (Anx A-1)] uksfVl Mkd jlhn fnuakd&05-11-2014 dh Nk;kizfr] (Anx A-2)] nLrkost tek djus gsrq vkosnu fnukad&24-07-2013 dh Nk;kizfr] (Anx A-3)] [kkRek fjiksVZ tek gsrq vkosnu fnukad&08-05-2014 dh Nk;kizfr] (Anx A-4)] nLrkost is'k // 5 // djus gsrq vkosnu fnukad&28-07-2014 dh Nk;kizfr] (Anx A-5)] ba';ksjsal dh dkih fnukad&22-03-2012 dh Nk;kizfr] (Anx A-6)] okgu dh vkj-lh- ,oa fQVus'k fnukad&10-04-2012 dh Nk;kizfr] (Anx A-7)] okgu fMyhojh fnukad&22-03-2012 dh Nk;kizfr] (Anx A-8)] okgu lsy bUokbZl fnukad&28-03-2012 dh Nk;kizfr] (Anx A-9)] izFke lwpuk fjiksVZ fnukad&22-03-2013 dh Nk;kizfr] (Anx A-10)] ifjogu vf/kdkjh dks izLrqr vkosnu fnukad&22-03-2013 dh Nk;kizfr] (Anx A-11)] ysVj vkWQ lcqxs'ku fnukad&16-09-2013] dh Nk;kizfr] (Anx A-12)] ysVj vkWQ lcqxs'ku fnukad&16-09-2013] dh Nk;kizfr] (Anx A-13)] uks vkWCtsD'ku izek.k i= fnukad&20-03-2014 dh Nk;kizfr]] (Anx A-14)] QkeZ uacj&34] dh Nk;kizfr] (Anx A-15)] vafre izfrosnu fnukad&25-04-2014 dh Nk;kizfr] (Anx A-16)] Mªk;foax yk;lsal fnukad&19-07-2012 dh Nk;kizfr (Anx A-17)] vLFkk;h vuqKk i= fnukad&13-02-2013 dh Nk;kizfr] (Anx A-18)] dks nLrkost ds :i esa izLrqr fd;k gSA 06- vukosndx.k }kjk vius i{k leFkZu esa ftyk Qksje ds le{k chek ,Q-
vkbZ-vkj- fnukad&22-03-2016 dh Nk;kizfr (Anx op-1)] Dyse QkeZ dh Nk;kizfr (Anx op-2)] Dyse QkeZ dh Nk;kizfr (Anx op-2)] xseu flax dks fy[kk x;k i= fnukad&15-04-2013 dh Nk;kizfr (Anx op-3)] xseu flax dks fy[kk x;k i= fnukad&15-04-2013 dh Nk;kizfr (Anx op-4)] xseu flax dks fy[kk x;k i= fnukad&16-10-2013 dh Nk;kizfr (Anx op-5)] xseu flax dks fy[kk x;k i= fnukad&16-12-2013 dh Nk;kizfr (Anx op-
6)] ikWfylh dh Nk;kizfr (Anx op-6)] xseu flax dk c;ku fnukad&06- // 6 // 07-2013 dh Nk;kizfr (Anx op-7)] vej flax pkSgku dk c;ku fnukad&06-07-2013 dh Nk;kizfr (Anx op-8)] vUos"kd dk i= fnukad&29-10-2014 dh Nk;kizfr (Anx op-9)] vksfj,aVy ba';ksjsal daiuh dk i= fnukad&22-11-2014 dh Nk;kizfr (Anx op-10)] dks nLrkost ds :i esa izLrqr fd;k gSA 07- [email protected] dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh eukst izlkn dk rdZ gS fd ftyk Qksje }kjk ikfjr vkns'k =qfViw.kZ gS A ftyk Qksje us bl rF; dks /;ku ugha fn;k gS fd ifjoknh }kjk okgu pksjh dh lwpuk yxHkx 4 ekg i'pkr~ ] chek daiuh dks fn;k x;k gS ] rks Hkh chek 'krksZa dk mYya?ku gS rFkk lacaf/kr Fkkus esa Hkh fjiksVZ ?kVuk ds rhljs fnu fd;k x;k gS vkSj bl foyac ds laca/k esa dksbZ Li"Vhdj.k ugha fn;k x;k gS vkSj pwafd ] chek daiuh dks vR;f/kd foyac ls lwpuk nh xbZ Fkh ] blfy, chek daiuh vius vf/kdkjksa dk iz;ksx djus ls oafpr jgk gS vkSj ifjoknh }kjk ikWfylh 'krksZa dk mYya?ku fd;k x;k gS A ifjoknh us tks pkfc;ka lkSaiuk crk;k gS ] os pkfc;ka pksjh x;s okgu dk ugha gS A pkfc;ksa ds laca/k esa tkap djk;h x;h Fkh vkSj tkap esa ik;h x;h Fkh fd nksukas pkfc;ka VkVk eSftd okgu dh ugha gS ] tks VkVk okgu ds Mhyj }kjk lR;kfir fd;k x;k gS A vr% [email protected] dk vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr dj ifjoknh dk ifjokn fujLr fd;k tkos A // 7 // 08- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh yds'oj panzkdj dk rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% mfpr gS A fnukad&19-03-2013 dks okgu jkf= 8 cts pksjh gqvk Fkk ] ftldh lwpuk iqfyl pkSdh flyrjk dks nh xbZ Fkh ] tks okgu dks [kkst djus ds fy, x, Fks ifjoknh }kjk vkl&ikl iwNrkN dj ,oa ryk'k fd;k tkrk jgk A fnukad&22-03-2013 dks xseu flag }kjk izFke lwpuk&i= ntZ djok;k x;k Fkk vkSj vkj-Vh-vks- dks Hkh bldh lwpuk nh xbZ Fkh vkSj tc [kkRek izfrosnu izkIr gks x;k ] rc ifjoknh us nkok chek daiuh ds le{k izLrqr fd;k Fkk A ifjoknh }kjk fdlh izdkj chek 'krksZa dk mYya?ku ugha fd;k x;k gS A ifjoknh okgu dk iathd`r Lokeh gS vkSj pksjh ds le; okgu vukosnd ds ikl iathd`r Lokeh gS vkSj pksjh ds le; okgu vukosnd ds ikl chfer Fkk vkSj fu;ekuqlkj nksuksa pkfc;ka Hkh chek daiuh dks lkSaik x;k Fkk A blls Li"V gS fd ifjoknh }kjk okgu dks lqjf{kr voLFkk esa NksM+dj [kkuk [kkus x;k Fkk vkSj bl izdkj ifjoknh }kjk fdlh izdkj dh chek 'krksZa dk mYya?ku ugha fd;k x;k gS A ftyk Qksje us tks vkns'k ikfjr fd;k gS] og mfpr gS A vr% [email protected] dk vihy fujLr fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkns'k dks ;Fkkor~ j[kk tkos A 09- geus mHk;&i{k ds vf/koDRkkx.k dk rdZ Jo.k fd;k A ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk ifj'khyu fd;k A // 8 // 10- ifjoknh dh vksj ls lfVZfQdsV vkWQ jftLVªs'ku] lfVZfQdsV vkWQ fQVusl izLrqr fd;k x;k gS A blds ifj'khyu ls Li"V gS fd ifjoknh okgu VkVk eSftd Øekad&C.G. 04-T.9969 dk iathd`r Lokeh gS A ifjoknh dh vksj ls ba';ksjsal ikWfylh 'ksM;wy izLrqr fd;k x;k gS ] ftlds ifj'khyu ls Li"V gS fd pksjh x, okgu [email protected] ds ikl fnukad&22-03-2012 ls 21-03-2013 dh vof/k ds fy, chfer Fkk A bl izdkj nq?kZVuk fnukad dks okgu [email protected] ds ikl chfer Fkk A 11- ifjoknh us vius ifjokn&i= dh dafMdk&4 esa ;g vfHkopu fd;k gS fd ifjoknh }kjk vius LokfeRo ,oa vkf/kiR; dh okgu dks fnukad& 19-03-2013 dks lksuw&eksuw <kck flyrjk ds ikl jkf= 8-00 cts xkM+h dks [kM+k dj [kkuk [kkus gsrq <kck x, Fks rFkk [kkuk [kkdj okil vkus ij Kkr gqvk fd ifjoknh ds mDr okgu dks vKkr pksj }kjk pksjh dj fy;k x;k gS A ftldh fjiksVZ ifjoknh }kjk flyrjk pkSdh Fkkuk /kjlhaok esa ntZ djk;k x;k Fkk A 12- ifjoknh dh vksj ls izFke lwpuk i= (Anx A-10)] dh Nk;kizfr gS ] dks izLrqr fd;k x;k gS A ftlds vuqlkj ?kVuk fnukad&19-03-2013 jkf= 8 cts dk gS vkSj ?kVuk dh fjiksVZ Fkkuk /kjlhaok esa ntZ djk;k x;k gS A mlh izdkj {ks=h; ifjogu vf/kdkjh jk;iqj dks Hkh fnukad&22-03-2013 dks pksjh dh lwpuk nh xbZ gS rFkk ,slk izrhr gksrk gS fd ifjoknh }kjk ?kVuk ds 3 fnu ds Hkhrj pksjh dh lwpuk lacaf/kr Fkkus dks ,oa {ks=h;
// 9 // ifjogu vf/kdkjh dks fn;k x;k gS A ,slh fLFkfr esa ;g ugha dgk tk ldrk fd fjiksVZ ntZ djus esa foyac dkfjr fd;k x;k gS A 13- ijarq vc ;g ns[kuk gS fd D;k ifjoknh }kjk fu;ekuqlkj chek daiuh dks pksjh dh ?kVuk dh lwpuk nh xbZ Fkh \ 14- ifjoknh us vius ifjokn&i= esa ;g vfHkopu ugha fd;k gS fd pksjh dh lwpuk vukosnd chek daiuh dks rRdky fn;k x;k Fkk ] vfirq ifjokn&i= dh dafMdk&5 esa ;g vfHkopu fd;k gS fd ifjoknh ds LokfeRo ds okgu dks vukosnd Øekad&2 ds dk;kZy; }kjk laiw.kZ tksf[ke gsrq chfer fd;k x;k Fkk A ifjoknh ds okgu dh pksjh gks tkus ij ifjoknh }kjk vukosnd Øekad& 3 ds dk;kZy; esa laiw.kZ nLrkostksa lfgr fnukad&24-07-2013 dks nkok jkf'k izkIr djus gsrq vkosnu izLrqr fd;k Fkk A bl izdkj ifjoknh ds vfHkopu ls Li"V gksrk gS fd ifjoknh }kjk pksjh dh ?kVuk dh lwpuk chek daiuh dks fnukad&24-07-2013 dks fn;k x;k gS ] tks fd ?kVuk ds 4 ekg i'pkr~ gS A 15- ifjoknh us ,slk dksbZ Hkh nLrkost izLrqr ugha fd;k gS ] ftlls ;g izdV gks fd mlus ?kVuk ds rRdky ckn vukosnd chek daiuh dks ?kVuk dh lwpuk nh xbZ gks A blds foijhr ifjoknh us eaMy izca/kd vksfj,aVy ba';ksjsal daiuh dks 1 i= izsf"kr fd;k gS ftlds vuqlkj mlds }kjk nLrkost izLrqr fd;s tkus dk mYys[k gS A vksfj,aVy ba';ksjsal daiuh dh izkfIr dk lhy yxk gqvk gS ]ftlesa fnukad&24-07-2013 dh frfFk vafdr // 10 // gS ] mlds i'pkr~ 1 vU; i= eaMy izca/kd vksfj,aVy ba';ksjsal daiuh dks ifjoknh }kjk Hkstk x;k gS ] ftlesa fnukad&08-05-2014 vkSj mlds i'pkr~ fnukad&28-07-2014 dh frfFk fu;r gS A bu nLrkostksa ds ifj'khyu ls ;g izdV gksrk gS fd ifjoknh }kjk izFke ckj chek daiuh dks pksjh dh ?kVuk dh lwpuk fnukad&24-07-2013 dks iznku fd;k x;k gS ] tks fd yxHkx 4 ekg i'pkr~ fn;k x;k gS A 16 Kotak Mahindra Prime Ltd. Vs. Rajaram and ors. 2017 (1) CPR 391 (NC), esa ekuuh; jk"Vªh; vk;ksx us ;g fu/kkZfjr fd;k gS fd %& "Insured was under a contractual obligation to intimate theft of vehicle to insurer immediately after theft came to his knowlede - Mere intimating police or lodging an FIR does not amount to sufficient compliance with terms and condtiions of insurance policy.
17 Prabhat Khananna (Deceased) Thr. Lrs. Vs. New India Assurance Company Ltd. 2017 (1) CPR 480 (NC), esa ekuuh; jk"Vªh; vk;ksx us ;g fu/kkZfjr fd;k gS fd %& "Delay in intimating about incident to insurance company may vitiate insurance cover."
18. Reliance General Insurance Company Limited Vs. Naresh Walia, III (2016) CPJ 408 (NC), esa ekuuh; jk"Vªh; vk;ksx us ;g fu/kkZfjr fd;k gS fd %& // 11 // "Consumer Protection Act, 1986 - Sections 2(1)(g), 21(b) - Insurance - Theft - Delay in intimation - Claim repudiated - Alleged deficiency in service - Report of theft must be lodged immediately. Intimation to Insurance Company must be given immediately. Breach of policy conditions established. Repudiation justified."
19. Oriental Insurance Company Limited Vs. Jaina Construction Company & Others, 2016 (4) CPR 291 (NC), esa ekuuh; jk"Vªh; vk;ksx us ;g fu/kkZfjr fd;k gS fd %& "11. On reading of the above, it is clear that in the event of any accidental loss or damage to the insured vehicle, it was contractual obligation of the insured complainant to immediately inform the opposite party insurance company. Admittedly, the complainant has violated the said condition by delaying the intimation of theft to the insurance company for about five months. Thus, in our considered view, the complainant has violated the above noted stipulation of the insurance contract. Similar issue came up before the Supreme Court in the matter of Oriental Insurance Company Ltd. Vs. Parvesh Chander Chadha (supra) wherein Hon'ble Supreme Court has observed thus :-
"Admittedly the respondent had not informed the appellant about the alleged theft of the insured vehicle till he sent letter dated 22.5.1995 to the Branch Manager. In the complaint filed by him, the respondent did not give any explanation for this unusual delay in informing the appellant about the incident which gave rise to cause for claiming compensation. Before the District Forum, the respondent did state that he had given copy of the first information report to Rajender Singh Pawar through whom he had insured the car and untraced report prepared by police on 19.9.1995 was given to the said Shri Rajender Singh Pawar, but his explanation // 12 // was worthless because in terms of the policy, the respondent was required to inform the appellant about the theft of the insured vehicle. It is difficult, if not possible, to fathom any reason why the respondent, who is said to have lodged First Information Report on 20.1.1995 about the theft of car did not inform the insurance company about the incident. In terms of the policy issued by the appellant, the respondent was duty bound to inform it about the theft of the vehicle immediately after the incident. On account of delayed intimation, the appellant was deprived of its legitimate right to get an inquiry conducted into the alleged theft of the vehicle and make an endeavour to recover the same. Unfortunately, all the consumer foras omitted to consider this grave lapse on the part of the respondent and directed the appellant to settle his claim on non-standard basis. In our view, the appellant cannot be saddled with the liability to pay compensation to the respondent despite the fact that he had not complied with the terms of the policy.
12. In view of the aforesaid position in law, the repudiation of insurance claim by the opposite party is justified. Perusal of the order of the State Commission would show that State Commission was impelled to allow the claim on non-standard basis in view of para 12 of judgment of Supreme Court in the matter of National Insurance Company Ltd. Vs. Nitin Khandelwal, IV (2008) CPJ 1 (SC) which reads as under :-
"in the case in hand, the vehicle has been snatched or stolen. In the case of theft of vehicle breach of condition is not germane. The appellant Insurance Company is liable to indemnify the owner of the vehicle when the insurer has obtained comprehensive policy for the loss caused to the insurer. The respondent submitted that even assuming that there was a breach of condition of the insurance policy, the appellant insurance company ought to have settled the claim on non standard basis. The insurance // 13 // company cannot repudiate the claim in toto in case of loss of vehicle due to theft."
12. On bare reading of the aforesaid, it is clear that para 12 records the arguments of the complainant of the said case and it is not the finding of the Hon'ble Supreme Court in the matter of Nitin Khandelwal (supra). The ratio of said judgment is in para 13, which reads as under :
"In the instant case, the State Commission allowed the claim only on non-standard basis, which has been upheld by the National Commission. On consideration of the totality of the facts and circumstances in the case, the law seems to be well settled that in case of theft of vehicle, nature of use of the vehicle cannot be looked into and the Insurance Company cannot repudiate the claim on that basis.
13. Counsel for the complainant has contended that irrespective of the judgment of the Supreme Court in the matter of Parvesh Chander Chadha (supra), the repudiation is not justified in view of the circular of IRDA dated 20.09.2011. On perusal of record, we find that claim of the petitioner was repudiated vide letter dated 19.10.2010 prior to the issue of aforesaid circular. Therefore, the repudiation cannot be termed as violative of IRDA circular purportedly issued subsequently in the year 2011." 20 ifjoknh dh vksj ls ?kVuk ds rRdky ckn chek daiuh dks fyf[kr esa lwpuk fn;s tkus ds laca/k dksbZ nLrkost izLrqr ugha fd;k x;k gS vkSj ifjoknh ds vfHkopu ls Li"V gS fd mlus fnukad&24-07-2013 dks lwpuk nh Fkh ] tcfd ;g ifjoknh ds fy, vkc)dkjh Fkk fd pksjh gksus ds // 14 // rRdky ckn lwpuk vihykFkhZx.k@chek daiuh dks nsaos ] tcfd ifjoknh }kjk yxHkx 4 ekg i'pkr~ lwpuk nh xbZ gS tks fd fuf'pr~ gh chek 'krksZa dk mYya?ku gS A 21- gkykafd] vukosnd }kjk vius fyf[kr dFku esa pkch ds laca/k esa ] vk{ksi ugha fd;k x;k gS ] ijarq vukosnd }kjk lwpuk izkIr gksus ij eksgEen bZczkfge dks vUos"kd fu;qDr fd;k x;k Fkk A eksgEen bZczkfge us viuh fjiksVZ fnukad&29-10-2014 esa eq[; {ks=h; izca/kd ]vksfj,aVy ba';ksjsal daiuh fyfeVsM ipisM+h ukdk jk;iqj dks i= fy[kdj lwfpr fd;k gS fd &chek /kkjd }kjk >wBh tkudkjh nsrs gq, chek daiuh dks xyr pkfc;ka miyC/k djk;h x;h gSa chek/kkjd us nks pkfc;ka tek djok;k gS ] og VkVk eSftd okgu dh vksfjtuy pkfc;ka ugha gS vkSj bl rF; dh fyf[kr lwpuk eaMy izca/kd }kjk ifjoknh dks fn;k x;k gS A blls Hkh izrhr gksrk gS fd ifjoknh }kjk ewy pkch chek daiuh dks ugha lkSaik x;k Fkk A blls izrhr gksrk gS fd okgu dks ifjoknh }kjk vlqjf{kr :i ls NksM+k x;k Fkk ] tks fd chek 'krksZa dk mYya?ku gS A 22- mijksDr foospuk ds ifjizs{; esa ] ftyk Qksje us tks fu"d"kZ fudkyk gS ] og =qfViw.kZ gS A ifjoknh }kjk chek 'krksZa dk mYya?ku fd;k x;k gS ] ifjoknh chek ikWfylh ds v/khu fdlh izdkj ls jkf'k izkIr djus dk vf/kdkjh ugha gS A QyLo:i] ftyk Qksje }kjk ikfjr vkns'k fLFkj j[ks tkus ;ksX; ugha gS A // 15 // 23- vr% vihykFkhZ@vukosnd dh vihy Lohdkj fd;k tkrk gS A ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&16-11-2016 vikLr fd;k trk gS A ifj.kker% ifjoknh dk ifjokn fujLr fd;k tkrk gS A bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxs A ¼ U;k;ewfrZ vkj-,l-'kekZ ½ ¼ Mh-ds-iksn~nkj ½ ¼ujsanz xqIrk½ v/;{k lnL; lnL;
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