State Consumer Disputes Redressal Commission
B.M.Cholamandalam Ms General ... vs Adarsh Stone Mines on 2 February, 2017
consumer gS A NRrhlx<+ jkT;
miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj vihy Øekad% FA/2016/639 lafLFkr fnukad&03-10-2016 'kk[kk izca/kd] pksyke.Mye~ ,e-,l-tujy ba';ksjsal daiuh fyfeVsM] f}rh; ry ] fleju Vkoj] Hkkjrh; thou chek fuxe dk;kZy; ds lkeus ] iaMjh jk;iqj] rg- o ftyk jk;iqj ¼N-x-½ ---- vihykFkhZ fo:) vkn'kZ LVksu ekbZUl }kjk &lapkyd] banzthr flag pkoyk ;ekgk 'kks:e ds ihNs] n;kycan fcykliqj ¼N-x-½ ---- mRrjoknh 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 i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh fnus'k oekZ vf/koDRkk A mRrjoknh dh vksj ls Jh vouh'k nhoku vf/koDrk A // 2 // vkns'k fnukad% 02-02-2017 }kjk%&ekuuh; U;k;ewfrZZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@vukosnd us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] fcykliqj ¼N0x0½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k Øekad&2013@59 esa ikfjr vkns'k fnukad& 22-08-2016 ftlds }kjk ifjoknh ds ifjokn dks Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd %& ^^¼1½ vukosn d chek da i uh vkosn d dks vkns' k fnuka d ls ,d ekg dh vof/k ds Hkhrj chek nkok dh 'ks "k jkf'k :-
84]040@& ¼pkSj klh gtkj pkyhl :i,½ dk Hkqxrku djs xk A ¼2½ vukosn d chek da i uh vkosn d dks ekufld {kfriwf rZ ds :i es a :- 20]000 @&¼chl gtkj :i,½ vnk djs x k A ¼3½ vukosn d chek dai uh vkosn d dks okn O;; ds :i es a : 2]000@&¼nks gtkj :i,½ vnk djs xk 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 dh xzke cksM+rjk ftyk fcykliqj esa vkn'kZ LVksu ekbUl gS A ftlesa ifjoknh iRFkj [knku ls iRFkj rksM+dj foØ; dk dk;Z djrk gS tks fd ifjoknh LokfeRo okyh QeZ gS vkSj ifjoknh ds jkstxkj ,oa vkthfodk dk ,dek= lk/ku gS A ifjoknh dks mijksDr dk;Z dh laiknu gsrq yksMj uked e'khu dh vko';drk iM+rh gS ] ftlds lkFk vU; uku bysfDVªdy ikVZl tSls eksy ikbUV layXu gksrk gS ftlds fcuk iRFkj // 3 // [kqnkbZ dk dk;Z laHko ugha gksrk gS A ifjoknh ds mijksDr yksMj rFkk mlds lkFk layXu uku bysfDVªdy ,oa bysDVªkfuDl lkefxz;ksa dk chek vukosnd }kjk fnukad&04-05-2012 ls 03-03-2013 rd dh vof/k ds fy, fd;k x;k gS ftlds fy, vko';d izhfe;e Hkh ifjoknh }kjk vukosnd dks vnk fd;k x;k gS A ifjoknh dh mijksDr e'khu twu 2012 esa iRFkj rqM+kbZ djrs le; {kfrxzLr gks x;h Fkh ] ftlls yksMj ds lkFk eksy ikbaV ] cql ] lsV vkQ lsy {kfrxzLr gks x;h ] ftls ifjoknh us lacaf/kr fo'ks"kKksa dks fn[kk;k ] ftUgksaus rhuks ikVZl cnyuk vko';d cryk;k ,oa mijksDr ikVZl cnyus dk dqy [kpZ :- 1]04]040 @&¼,d yk[k pkj gtkj pkyhl :i,½ cryk;k A ifjoknh }kjk vukosnd ds laLFkku esa mijksDr {kfr ls lacaf/kr nkok is'k fd;k x;k ftldk nkok uacj 1137387 gS i'pkr~ vukosnd laLFkku }kjk mijksDr {kfriwfrZ ds laca/k esa dsoy eksy ikbUV dk nkok Lohdkj fd;k x;k rFkk ifjoknh dks nkok jkf'k esa ls dsoy :- 20]000@& ¼chl gtkj :i,½ Lohd`r djus dh lwpuk nh xbZ A ifjoknh us mijksDr jkf'k ysuk vLohdkj dj fn;k ] rc vukosnd }kjk ifjoknh ds cSad [kkrk esa :- 20]000@& ¼chl gtkj :i,½ mldh tkudkjh ds cxSj Mky fn;k x;k ] ftlls ifjyf{kr gksrk gS fd vukosnd }kjk ifjoknh dks mijksDr jkf'k dh Lohd`fr esa lger crkus dk iz;kl fd;k tk jgk gS A vukosnd }kjk ifjoknh dks nkokd`r jkf'k esa ls dsoy :- 20]000@& ¼chl gtkj :i,½ Lohdkj djus dk dksbZ dkj.k ugha cryk;k tk jgk gS ] tcfd mlds }kjk eksy ikbaV ds vykok cql] lsV vkWQ lhy ckcr~ vko';d izhfe;e uku bysfDVªdy ,lsljht ds :i esa izkIr fd;k x;k gS vksj mijksDr ikVZl ds cnys fcuk // 4 // ifjoknh dh e'khu py ugha ldrk gS A blds i'pkr~ Hkh vukosnd }kjk 'ks"k ikVZl ds laca/k esa nkok Lohdkj ugha djds ifjoknh dks nh tkus okyh lsok esa deh dh tk jgh gS rFkk ifjoknh dk yksMj mDr ikVZl cnyus ds vHkko esa {kfrxzLr iM+k gS rFkk mldh okjaVh Hkh lekIr gks x;h gS A ifjoknh }kjk vukosnd dks {kfriwfrZ jkf'k :- 84]040@& ¼pkSjklh gtkj pkyhl :i,½ ifjoknh dks vnk djus ds laca/k esa iathd`r vf/koDrk lwpuk i= fnukad&22-02-2013 dks izsf"kr fd;k x;k Fkk ] ftlesa fu/kkZfjr vof/k ds mijkar Hkh ifjoknh dks 'ks"k nkok d`r jkf'k vkt rd vnk ugha fd;k x;k ] ftls ikus dk ifjoknh vf/kdkjh gS A ifjoknh dks vukosnd ds mijksDr d`R; ls vkfFkZd ,oa ekufld {kfr dk lkeuk djuk iM+ jgk gS rFkk mldk e'khu ugha py ikus ls mlds le{k thfodksiktZu dh leL;k [kM+h gks x;h 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 vukosnd dk fyf[kr dFku bl izdkj jgk gS fd ifjoknh ds lapkyd }kjk vius vkosnu&i= esa ;g dFku fd;k x;k gS fd okgu@e'khu dk mi;ksx O;olkf;d mn~ns'; ls dh tkrh gS ] ftlls Li"V gS fd okgu @e'khu dk mi;ksx O;olkf;d dk;Z ls fd;k tkrk gS A ifjoknh miHkksDrk laj{k.k vf/kfu;e 1986] dh /kkjk 2 ¼[k½ ,oa
2 ¼?k½ ds miHkksDrk dh ifjHkk"kk ds varxZr ugha vkrk gS A ifjoknh }kjk izLrqr ifjokn izFke n`"V;k gh fujLr fd;s tkus ;ksX; gS A twu 2012 esa e'khu dks gqbZ {kfr esa eksy ikbUV {kfrxzLr gqbZ Fkh ,oa mlh ?kVuk ls // 5 // okgu @e'khu ds vU; ikVZl Hkh [kjkc gq, Fks ] bls izekf.kr djus gsrq ifjoknh }kjk dksbZ Hkh nLrkost Qksje ds le{k izLrqr ugha fd;k x;k gS A ifjoknh }kjk chekd`r okgu@e'khu dh {kfr ds laca/k esa chek daiuh dks lwpuk izsf"kr dh xbZ ] rc chek daiuh }kjk Rofjr dk;Zokgh djrs gq, losZ;j dh fu;qfDr dj tkap gsrq Hksth x;h Fkh ] ftlds }kjk laiw.kZ okgu@e'khu dh tkap dh xbZ ] ftleas ;g ik;k x;k fd mDr ?kVuk ls okgu@e'khu dk dsoy eksy ikbaV gh {kfrxzLr gqbZ gS ,oa vU; dksbZ Hkh ikVZl mDr ?kVuk ls {kfrxzLr ugha gqbZ gS A bl dkj.k losZ;j }kjk laiw.kZ tkapksijkar ;g ik;k x;k fd dsoy eksy ikbaV gh {kfrxzLr gqvk gS A ftl dkj.k losZ;j }kjk dsoy {kfrxzLr ikVZl eksy ikbaV ds laca/k esa {kfr dk vakdyu fd;k x;k rFkk losZ;j fjiksVZ ds vk/kkj ij gh chek daiuh }kjk ifjoknh ds ds nkos dk fujkdj.k fd;k x;k Fkk vkSj {kfr jkf'k ifjoknh ds [kkrs esa iw.kZ ,oa vafre Hkqxrku ds :i esa tek dj nh xbZ ] ftls ifjoknh us Lohdkj Hkh dj fy;k gS A ifjoknh }kjk tku&cw>dj mDr okgu@e'khu ds ?kVuk ds iwoZ ls [kjkc ikVZl dh Hkh {kfr mDr nkos ds ek/;e ls izkIr djuk pkgrk gS A ftlls ifjokn izpyu ;ksX; ugha gksus ls ] lO;; fujLr fd;s tkus ;ksX; gksus ls ] fujLr fd;k tkos 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 // 6 // 05 ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k chek ikWfylh fnukad&07-06-2012 dh Nk;kizfr] (Annexure A-1)] Mhyj lfoZl fjiksVZ fnukad&26-06-2012 dh Nk;kizfr (Annexure A-2)] LVsfeV fnuakd&28-06-2012 dh Nk;kizfr] (Annexure A-3)] jftLVMZ Mkd uksfVl fnukad&22-02-2013 dh vly (Annexure A-4)] ,DukWystesaV dh udy dks nLrkost ds :i esa izLrqr fd;k gSA 06- vukosnd }kjk vius i{k leFkZu esa dksbZ nLrkost ftyk Qksje ds le{k izLrqr ugha fd;k x;k gS A 07- vihykFkhZ@vukosnd dh vksj ls milatkr gksus okys vf/koDrk Jh fnus'k oekZ dk rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% =qfViw.kZ gS A ifjoknh us O;kolkf;d iz;kstu ds fy, chek ikWfylh izkIr fd;k Fkk vkSj blfy, ifjoknh /kkjk&2 ¼1½ ¼Mh½ miHkksDrk laj{k.k vf/kfu;e ] ds varxZr miHkksDrk ugha gS] ijarq ftyk Qksje us bu rF;ksa dks /;ku esa ugha fn;k gS A vihykFkhZ@vukosnd us Li"V :i ls vfHkopu fd;k gS fd losZ;j dh fu;qfDr dh xbZ Fkh vkSj mlus {kfr dk fu/kkZj.k fd;k Fkk vkSj losZ;j }kjk tks {kfr fu/kkZfjr fd;k x;k Fkk ] mlds vuqlkj ifjoknh us :- 20]000@&¼chl gtkj :i,½ izkIr dj fy;k gS vkSj mDr jkf'k iw.kZ rqf"V esa izkIr fd;k Fkk A ,slh fLFkfr esa ] ifjoknh vc fdlh izdkj {kfriwfrZ ikus dk vf/kdkjh ugha gS ] ijarq ftyk Qksje us bu rF;ksa dks /;ku fn;s fcuk vkns'k ikfjr fd;k gS vkSj fcuk fdlh vk/kkj ds // 7 // :- 84]040@& ¼pkSjklh gtkj pkyhl :i,½ {kfriwfrZ fnyk;k gS A ifjoknh }kjk bl laca/k esa dksbZ nLrkosth lk{; izLrqr ugha fd;k x;k gS vkSj lkFk esa ekufld {kfriwfrZ ds :i esa :- 20]000@& ¼chl gtkj :i,½ fnyk;k gS ] tks fd mfpr ugha gS A vr% vihykFkhZ @vukosnd dk vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k dks vikLr fd;k tkos A 08 ifjoknh@mRrjoknh dh vksj ls milatkr gksus okys vf/koDrk Jh vouh'k nhoku dk rdZ gS fd vukosnd }kjk u rks losZ;j dk fjiksVZ izLrqr fd;k x;k gS u gh fMLpktZ okÅpj izLrqr fd;k x;k gS ] tcfd ifjoknh us Li"V :i ls vfHkopu fd;k gs fd jksyj cuokus esa :- 84]040@& ¼pkSjklh gtkj pkyhl :i,½ O;; djuk iM+k Fkk A vr% ifjoknh }kjk tks chek fy;k x;k gS ] og laifRr dh lqj{kk ds fy, fy;k x;k gS u fd O;olkf;d ykHk dekus ds fy, A ,slh fLFkfr esa] ifjoknh miHkksDrk gS A ftyk Qksje us tks vkns'k ikfjr fd;k gS og iw.kZr% mfpr gS ]mlesa gLr{ksi dh vko';drk ugha gS A vr% ftyk Qksje ds vkns'k dh iqf"V djrs gq, vihykFkhZ dk vihy lO;; fujLr fd;k tkos A 09- geus mHk;&i{k ds fo}ku vf/koDrkx.k dk rdZ Jo.k fd;k A ftyk Qksje ds vfHkys[k dk ifj'khyu fd;k A 10- loZizFke ] ;g ns[kuk gS fd D;k ifjoknh miHkksDrk gS \ // 8 // 11 miHkksDrk laj{k.k vf/kfu;e] 1986] dh /kkjk&2 ¼1½ ¼Mh½ esa miHkksDrk dks ifjHkkf"kr fd;k x;k gS ftlds vuqlkj & ¼?k½ **miHkksDrk** ls ,slk dksbZ O;fDr vfHkizsr gS] tks& ¼i½ fdlh ,sls izfrQy ds fy, ftldk lank; fd;k x;k gS ;k opu fn;k x;k gS ;k Hkkxr% lank; fd;k x;k gS] vkSj Hkkxr% opu fn;k x;k gS ;k fdlh vkLFkfxr lank; dh i}fr ds v/khu fdlh eky dks dz; djrk gS] vkSj blds vUrxZr ,sls fdlh O;fDr ls fHkUu] tks ,sls izfrQy ds fy, ftldk lank; fd;k x;k gS ;k opu fn;k x;k gS ;k Hkkxr% lank; fd;k x;k gS ;k Hkkxr% opu fn;k x;k gS ;k vkLFkfxr lank; dh i}fr ds v/khu eky dks dz; djrk gS ;k ,sls eky dk dksbZ iz;ksxdrkZ Hkh gS] tc ,slk iz;ksx ,sls O;fDr ds vuqeksnu ls fd;k tkrk gS fdUrq blds vUrxZr ,slk dksbZ O;fDr ugha gS tks ,sls eky dks iqu% fodz; ;k fdlh okf.kfT;d iz;kstu ds fy, vfHkizkIr djrk gS] vkSj ¼ii½ fdlh ,sls izfrQy ds fy, ftldk lank; fd;k x;k gS ;k opu fn;k x;k gS ;k Hkxr% lank; fd;k x;k gS vkSj Hkkxr% opu fn;k x;k gS] ;k fdlh vkLFkfxr lank; dh i}fr ds v/khu lsokvksa dks [HkkM+s ij ysrk gS ;k miHkksx djrk gS] vkSj blds vUrxZr ,sls fdlh O;fDr ls fHkUu tks ,sls fdlh izfrQy ds fy, ftldk lank; fd;k x;k gS vkSj opu fn;k x;k gS vkSj Hkkxr% lank; fd;k x;k gS vkSj Hkkxr% opu fn;k x;k gS ;k fdlh vkLFkfxr lank; dh i}fr ds v/khu lsokvksa dks [HkkM+s ij ysrk gS ;k miHkksx djrk gS] ,slh lsokvksa dk dksbZ fgrkf/kdkjh Hkh gS tc ,slh lsokvksa dk mi;ksx izFke of.kZr O;fDr ds vuqeksnu ls fd;k tkrk gS [fdUrq blesa ,slk O;fDr 'kkfey ugha gS] tks // 9 // fdlh okf.kfT;d iz;kstu ds fy, ,slh lsok izkIr djrk gSA] Li"Vhdj.k & [bl [k.M ds iz;kstuksa ds fy, **okf.kfT;d mn~ns';** esa Lojkstxkj lk/ku }kjk mlds vkthfodk miktZu ds ,dek= mn~~ns'; ds fy, mlds }kjk dz; fd, x;s vkSj mi;ksx fd, x;s eky vkSj mlds }kjk izkIr lsok ds O;fDr }kjk iz;ksx 'kkfey ugha gSA] 12 miHkksDrk laj{k.k vf/kfu;e] 1986] dh /kkjk&2 ¼1½ ¼vks½ esa lsok dks ifjHkkf"kr fd;k x;k gS ftlds vuqlkj & **¼vks½ **lsok** ls fdlh Hkh o.kZu dh dksbZ lsok vfHkizsr gS tks mlds izR;kf'kr 1{iz;ksxdrkZvksa dks miyC/k djkbZ tkrh gS vkSj blds vUrxZr lfEefyr gS} cSaddkjh] foRriks"k.k] chek] ifjogu] izlaLdj.k] fo|qr ;k vU; mtkZ ds iznk; 2 cksMZ ;k fuokl ;k nksuksa] {x`g fuekZ.k]} euksjatu] vkeksn&izeksn ;k lekpkjksa ;k vU; tkudkjh igaqpkus ds laca/k esa lqfo/kkvksa dk izca/k Hkh gS] fdUrq ;g bl izko/kkuksa rd lhfer ugha gS ijUrq blds vUrxZr fu%'kqYd ;k O;fDrxr lsok lafonk ds v/khu lsok dk fd;k tkuk 'kkfey ugha gS;**
13. Ashish Vishwakarma Vs. National Insurance Company Limited & Others, II (2012) CPJ 169 (NC), esa ekuuh; jk"Vªh; vk;ksx us ;g fu/kkZfjr fd;k gS fd %& "Contract of insurance is a contract of indemnity and therefore, there is no question of commercial purpose in obtaining insurance coverage. It has also been held that the insured could not trade or carry out any commercial activity with regard to the // 10 // insurance policy, being barred to do so under Section 3 of the Insurance Act, 1938."
14. The Divisional Manager, L.I.C. vs. Shri Bhavanam Srinivas Reddy, 1991 (2) CPR 144 (NC), esa ekuuh; jk"Vªh; vk;ksx us ;g fu/kkZfjr fd;k gS fd %& "3. The first point of objection raised by the Insurance Company before the State Commission and reiterated before us namely is that no dispute arising out of a contract of insurance can be made subject matter of adjudication under the Consumer Protection Act. This contention cannot be sustained in view of decision of this Commission dated July 28, 1989 in Shri Umedilal Aggarwal v. United India Assurance Company Ltd., F.A. Nos.3 and 4 of 1989 (Reported in I (1991) CPJ-3, 1991 (1) CPR 217 (NC), wherein we have held as follows :-
"We find no merit in the contention put forward by the insurance company that a complaint relating to the failure on the part of the insurer to settle the claim of the insured within a reasonable time and the prayer for the grant of compensation in respect of such delay will not fall within the jurisdiction of the Redressal Forums constituted under the Consumer Protection Act. The provision of facilities in connection with insurance has been specifically included within the scope of the express 'service' by the definition of the said word contained in Section 2(i)(o) of the Act. Our attention was invited by Mr. Malhotra, learned counsel for the Insurance Company to the decision of the Queen's Bench in National Transit Insurance Company Ltd. vs. Customs and Central Excise Commissioner, (1975) (1) all England Reports Page 303) The observations contained in the said judgment relating to the scope of the expression // 11 // 'insurance' occurring the schedule of the enactment referred to therein are of no assistance at all to us in this case because the context in which the expression is used in the English enactment considered in the case is entirely different. Having regard to the philosophy of the Consumer Protection Act and its avowed object of providing cheap and speedy redressal to consumers affected by the failure on the part of persons providing "service" for a consideration, we do not find it possible to hold that the settlement of insurance claims will not be covered by the expression "insurance" occurring in Section 2(1)(d). Whenever there is a default or negligence in regard to such settlement of an insurance claim that will constitute a 'deficiency' in the service on the part of the Insurance company and it will be perfectly open to the concerned aggrieved consumer to approach the Redressal Forums under the Act seeking appropriate relief. We, accordingly over the objection raised by the Insurance Company regarding the jurisdiction of the State Commission to adjudicate upon the complaint.
15. The Divisional Manager, L.I.C. vs. Uma Devi, 1991 (1) CPR 662 (NC), esa ekuuh; jk"Vªh; vk;ksx us ;g fu/kkZfjr fd;k gS fd %& "8. The very fact that the Insurance Act provides for a machinery for remedy for grievances arising out of repudiation of a claim under section 45 leads to show that the Corporation has to satisfy a Court that the repudiation was justified. Accordingly, it is for the consumer to choose a forum convenient to him to seek remedy for the loss suffered because of deficiency in service. As the provisions of this Act are in addition to and not in derogation of any other law for the time being in force, the State Commission has the jurisdiction to entertain the complaint and to investigate whether the repudiation was justified or not and to grant such relief as deems fit if it is satisfied that there was deficiency in service. We therefore, cannot uphold this contention in view of the decision of this Commission in Revision Petition No.12 // 12 // of 1990 (New India Assurance Co. Ltd. v. Vipro Electronics Pvt. Ltd., 1991 (1) C.P.R. (NC) 531, where the identical point has been elaborately discussed".
16. The New India Assurance Co. Ltd. vs. M/s Vipro Electronics Pvt.
Ltd., 1991 (1) C.P.R. (N.C.) 531, esa ekuuh; jk"Vªh; vk;ksx us ;g fu/kkZfjr fd;k gS fd "We are not impressed with the contention raised by Shri S.K. Paul, learned counsel appearing on behalf of the Petitioner that merely because of Insurer had totally repudiated his liability in respect of the claim, no proceedings could be validly initiated under the Consumer Protection Act by the insurer. This contention squarely falls within the ruling given by this Commission in Ummedilal Agrawal v. United India Assurance Co. Ltd. (O.P.No.3 & 4 of 1989, decided on 28.7.1989". In that decision this Commission has observed that it is not possible to hold that settlement of a disputed insurance claim will not be covered by the expression "service" occurring in Section 2(d) of the Act. It was laid down that whenever there is default or negligence in regard to service that will constitute "deficiency in service" on the part of the insurer and it is perfectly open to the aggrieved party for seeking appropriate relief under the Act.
In the result, the Revision Petition has no merits and it is accordingly dismissed".
17. M/s. Harsolia Motors vs. M/s. National Insurance Co. Ltd. & Ors.
2005 (1) CPR 1 (NC), esa ekuuh; jk"Vªh; vk;ksx us ;g fu/kkZfjr fd;k gS fd %& // 13 // "13. In Halabury's Laws of England Vol. 25, 4th Edition, the origin and common principles of insurance is discussed and in paragraph 3 it has been discussed and in paragraph 3 it has been mentioned that it is based on principle of indemnity. Thereafter, relevant discussion is to the effect that most of contract of insurance belong to general category of contracts of indemnity. In the sense that insurers' liability is limited to the actual loss which is , in fact, proved. The contract is one of indemnity and, therefore, insured can recover the actual amount of loss and no more.
14. In this view of the matter, taking of the insurance policy is for protection of the interest of the assured in the articles or goods and not for making any profit or trading for carrying on commercial purpose.
16. We would refer to few relevant judgments :
In Regional Provident Fund Commissioner vs. Shiv Kumar Joshi, (2000) 1 SCC 98, the Court elaborately considered the provisions of Sections 2(1)(d) and 2(1)(o) as well as earlier decisions and held that :-
"The combined reading of the definitions of 'consumer' and 'service' under the Act and looking at the aims and object for which the Act was enacted, it is imperative that the words "consumer" and "service" as defined under the Act should be construed to comprehend consumer and services of commercial and trade-oriented nature only. Thus any person who is found to have hired services for consideration shall 'be deemed to be a consumer notwithstanding that the services were in connection with any goods or their user. Such services may be for any connected commercial activity and may also relate to the services as indicated in Section 2(1)(o) of the Act."
// 14 // The aforesaid ratio makes it abundantly clear that the services may be for any connected commercial activity, yet it would be within the purview of the Act."
18- mijksDr foospuk ds ifjizs{; esa Li"V gS fd ifjoknh }kjk tks chek ikWfylh izkIr fd;k x;k gS ] og laifRr ij fgr dh lqj{kk ds fy, gS ] u fd ykHk vftZr djus ds fy, vkSj ,slh fLFkfr esa ] ifjoknh /kkjk&2 ¼1½ ¼Mh½ miHkksDrk laj{k.k vf/kfu;e ds varxZr miHkksDRkk gS vkSj fookn miHkksDrk fookn gS A 19- tgka rd ] {kfriwfrZ dk laca/k gS ] vihykFkhZ@vukosnd dh vksj ls ;g crkus dk iz;kl fd;k x;k gS fd losZ;j }kjk {kfr dk vkadyu fd;k x;k Fkk vkSj mDr jkf'k ifjoknh us izkIr dj fy;k gS ] ijarq vukosnd }kjk u rks losZ;j fjiksVZ izLrqr fd;k x;k gS u gh dfFkr fMLpktZ okÅpj dks izLrqr fd;k x;k gS A 20- vukosnd us vius fyf[kr dFku dh dafMdk&4 esa dsoy ;g vfHkopu fd;k gS fd {kfr dk Hkqxrku vukosnd chek daiuh }kjk vkosnd ds [kkrs esa iw.kZ ,oa vafre Hkqxrku ds :i esa tek dj fn;k x;k gS vkSj chek/kkjd }kjk Hkqxrku dh xbZ jkf'k dks Lohdkj dj fy;k x;k gS ] ijarq bl laca/k esa ] vihykFkhZ@vukosnd }kjk ifjoknh ds [kkrs dh udy izLrqr ugha fd;k x;k gS rFkk dc ] fdl fnukad dks ] fdruh jkf'k tek dh xbZ gS \ D;k ifjoknh us mls iw.kZ rqf"V esa izkIr fd;k gS \ bl laca/k esa Hkh vihykFkhZ@vukosnd }kjk dksbZ nLrkost izLrqr ugha fd;k x;k gS A // 15 // 21- ifjoknh us vius ifjokn&i= dh dafMdk&5 ,oa 6 esa ;g vfHkopu fd;k gS fd vukosnd chek daiuh }kjk dsoy eksy ikbaV dk nkok Lohdkj fd;k x;k rFkk ifjoknh dks nkok jkf'k esa ls dsoy :-20]000@& ¼chl gtkj :i,½ Lohd`r djsa ] dh lwpuk nh xbZ ] ftls ifjoknh us vLohdkj dj fn;k Fkk rFkk dafMdk&7 esa vfHkopu fd;k gS fd {kfriwfrZ dh jkf'k :-84]040@& ¼pkSjklh gtkj pkyhl :i,½ fnyk;h tkos vkSj bl laca/k esa uksfVl Hkh fn;k Fkk A ifjoknh us Li"V :i ls crk;k gS fd :-84]040@& ¼pkSjklh gtkj pkyhl :i,½ ejEer~ djus esa O;; gqvk Fkk vkSj okLro esa losZ;j us tks {kfr dk vkadyu fd;k Fkk vkSj :-
20]000@& ¼chl gtkj :i,½ fdl vk/kkj ij Lohdkj fd;k Fkk ] ;g lkfcr djus dk Hkkj vihykFkhZ@vukosnd ij Fkk A vukosnd }kjk bl ij dksbZ lk{; izLrqr ugha fd;k x;k gS A ,slh fLFkfr esa ] ftyk Qksje us tks fu"d"kZ fudkyk gS ] og iw.kZr% mfpr gS A mlesa fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gS ] u gh gLr{ksi dk vk/kkj fo|eku gS A 22- mijksDr foospuk ds ifjizs{; esa ] vihykFkhZ@vukosnd }kjk izLrqr vihy lkjghu gksus ls fujLr fd;k tkrk gS A ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&22-08-2016 dh iqf"V dh tkrh gS A bl vihy dk O;;
i{kdkj viuk&viuk ogu djsaxs A
¼ U;k;ewfrZ vkj-,l-'kekZ ½ ¼Mh-ds-iksn~nkj½ ¼ujsanz xqIrk½
v/;{k lnL; lnL;
02@02@2017 02@02@2017 02@02@2017