State Consumer Disputes Redressal Commission
National Insurance Company Limited vs Ankush Rathore S/O. Mukesh Rathor on 11 March, 2026
Appeal No. National Insurance Co. Ltd. Vs. Ankush Rathore Order Pronounced SC/22/FA/411/2025 On- 11.03.2026 NRrhlx<+ jkT;
miHkksDrk fookn Áfrrks"k vk;ksx] iaMjh] jk;iqj lafLFkr fnukad&06-08-2025 vafre rdZ fnukad&10-02-2026 vkns'k fnukad&11-03-2026- vihy Øekad&,llh@22@,Q,@411@2025 us'kuy ba';ksjsal daiuh fyfeVsM] }kjk&eaMy izca/kd] e.My dk;kZy;] gkÅflax cksMZ fcfYMax] u;k cl LVS.M] jktukanxkao] iksLV o ftyk& jktukanxkao ¼N-x-½] fiu&491441 ¼}kjk&Jh ih- ds- iky] vf/koDrk okLrs vihykFkhZ½
----------------- vihykFkhZ@fo:) i{kdkj-
fo:) Jh vadq"k jkBkSj vk- Jh eqds"k jkBkSj] vk;q yxHkx&33 o'kZ] fuoklh&dU;k "kkyk ds ihNs] Hkjdkikjk] jktukanxkao] rglhy o ftyk&jktukanxkao ¼N-x-½ ¼}kjk&Jh g'kZn O;kl] vf/koDrk okLrs mRrjoknh½
------------------mRrjoknh@ifjoknh-
le{k% ekuuh; U;k;ewfrZ Jh xkSre pkSjfM+;k] v/;{k-
ekuuh; Jh izeksn dqekj oekZ] lnL;-
vafre rdZ esa mifLFkr& ifjoknh dh vksj ls Jh g'kZn O;kl] vf/koDrkA fo:) i{kdkj dh vksj ls Jh ih- ds- iky] vf/koDrkA vkns'k ¼ }kjk& izeksn dqekj oekZ] lnL; ½ vihykFkhZ@fo:) i{kdkj us ;g vihy varxZr /kkjk&41 miHkksDrk laj{k.k vf/kfu;e] 2019 ds varxZr ftyk miHkksDrk fookn izfrrks"k vk;ksx] jktukanxkao ¼N-x½ ¼ftls vkxs laf{kIr esa **lacaf/kr ftyk vk;ksx** lacksf/kr fd;k tk,xk½ }kjk izdj.k dzekad&Mhlh@388@lhlh@52@2025 i{kdkj **vadq"k Allowed Page 1 of 8 Appeal No. National Insurance Co. Ltd. Vs. Ankush Rathore Order Pronounced SC/22/FA/411/2025 On- 11.03.2026 jkBkSj fo:) fn us'kuy ba';ksjsl a daiuh fyfeVsM] }kjk eaMy izca/kd** esa ikfjr vkns"k fnukad&07-07-2025 ftlds }kjk mRrjoknh@ifjoknh ds ifjokn dks vkaf"kd :Ik ls Lohdkj djrs gq, ;g vknsf"kr fd;k x;k gS fd **fo:) i{kdkj chek daiuh] ifjoknh dks 4]22]226@&¼pkj yk[k ckbZl gtkj nks lkS NCchl :Ik;s½ ,oa ekufld {kfriwfrZ gsrq 40]000@&¼pkyhl gtkj :Ik;s½ rFkk okn O;; ds :Ik esa 5]000@&¼ikap gtkj :Ik;s½ vnk djsxkA fo:) i{kdkj] ifjoknh dks mDr jkf"k ij vkns"k fnukad&07-07-2025 ls Hkqxrku fnukad rd 06 izfr"kr okf'kZd dh nj ls C;kt Hkh vnk djsxk ,oa mijksDr jkf"k dh vnk;xh 45 fnol ds Hkhrj Hkqxrku djus easa vlQy jgrk gS rks ,slh fLFkfr esa mDr jkf"k ij vkns"k fnukad 07-07-2025 ls 09 izfr"kr okf'kZd dh nj ls C;kt ns; gksxk**] ls {kqC/k gksdj izLrqr fd;k gSA 02- lacfa /kr ftyk vk;ksx ds le{k mRrjoknh@ifjoknh dk ifjokn laf{kIr esa bl izdkj jgk gS fd mRrjoknh@ifjoknh us viuh okgu v'kksd yhyS.M Vªd dzekad&lhth 08 ,;w@3747 dk chek fo:) i{kdkj ds ikl fnukad&04-04- 2023 ls fnukad&03-04-2024 rd dh vof/k ds fy, djk;k Fkk ftldk chek ikWfylh dzekad&29070031236360000075 ,oa chfer ewY;&43]00]000@& ¼frjkyhl yk[k :Ik;s½ FkkA mDr okgu fnukad&22-12-2023 dks ,chl QSDVªh jktukanxkao ls eqxhZ nkuk Hkjdj lklcM iquk ¼egkjk'Vª½ tk jgk Fkk rc fnukad&24-11-2023 dks lqcg yxHkx 5%30 cts le`f) gkbZos ,Dlizsl os ¼ihiyxkao½ ds ikl ,Dlizsl os dk ykbZu cnyrs le; vpkud vfu;af=r gksdj gkbZos ls uhps fxj dj iyV x;k ftlesa okgu dk Mkyk cS.M gks x;k] cSVjh QV xbZ] dsfcu {kfrxzLr gks x;k] daMDVj lkbZM dk iYyk {kfrxzLr gks x;k] Allowed Page 2 of 8 Appeal No. National Insurance Co. Ltd. Vs. Ankush Rathore Order Pronounced SC/22/FA/411/2025 On- 11.03.2026 jsfM,Vj psEcj VwV x;k ,oa iwjs okgu esa [kjkch vkbZ ftls Vkspu dj jktukanxkao lkgw ckWMh esa cukus gsrq fn;k ftlesa 9]13]440@&¼ukS yk[k rsjg gtkj pkj lkS pkyhl :Ik;s½ dk O;; gqvkA mRrjoknh@ifjoknh }kjk nq?kZVuk dh lwpuk vfoyac vihykFkhZ@fo:) i{kdkj dks fn;k x;k ,oa leLr nLrkostksa lfgr Dyse QkeZ izsf'kr fd;k] fdarq vihykFkhZ@fo:) i{kdkj }kjk fcuk fdlh lwpuk ds fnukad&23-04-2024 dks mRrjoknh@ifjoknh ds cSad [kkrk esa vkj- Vh- th- ,l- ds ek/;e ls 3]84]844@&¼rhu yk[k pkSjklh gtkj vkB lkS paokyhl :Ik;s½ tek dj fn;k x;k ,oa "ks'k jkf"k&5]28]596@&¼ikap yk[k vV~BkbZl gtkj ikap lkS fN;kucs :Ik;s½ dk Hkqxrku ugha dj lsok esa deh dh xbZ gSA blds vykok mRrjoknh@ifjoknh dk okgu fnukad&02-07-2024 ls fnukad& 08-02-2024 rd lq/kkj gsrq [kM+h jgh ftlesa 36 fnu dk 3]000@&¼rhu gtkj :Ik;s½ izfrfnu ds nj ls 1]08]000@&¼,d yk[k vkB gtkj :Ik;s½ ,oa ekufld Dys"k igqapk gS ftlds dkj.k mRrjoknh@ifjoknh dks ;g ifjokn ykus dh vko";drk iM+h gSA vr% ifjokn Lohdkj dj okafNr vuqrks'k fnyk;s tkus dk fuosnu fd;k gSA 03- lacfa /kr ftyk vk;ksx ds le{k vihykFkhZ@fo:) i{kdkj dh vksj ls fyf[kr dFku izLrqr dj ;g cpko fy;k gS fd mRrjoknh@ifjoknh }kjk nq?kZVuk iwoZ lacfa /kr iqfyl Fkkus esa f"kdk;r dh xbZ gks ,slk dksbZ nLrkost izLrqr ugha fd;k x;k gSA mRrjoknh@ifjoknh us iw.kZ larqf'V esa 3]84]844@& ¼rhu yk[k pkSjklh gtkj vkB lkS paokyhl :Ik;s½ {kfriwfrZ izkIr djus gsrq Qqy ,.M QkbZuy lsVyesaV ds vk/kkj ij fMLpktZ Ogkmpj fu'ikfnr fd;k Fkk ftlds mijkar gh mRrjoknh@ifjoknh dks mDr jkf"k dk Hkqxrku mlds [kkrs esa vkj- Vh- th- ,l- ds ek/;e ls fd;k x;k gS vkSj mRrjoknh@ifjoknh }kjk iw.kZ Allowed Page 3 of 8 Appeal No. National Insurance Co. Ltd. Vs. Ankush Rathore Order Pronounced SC/22/FA/411/2025 On- 11.03.2026 larqf'V esa jkf"k izkIr djus ds ckn ;g nkok izLrqr fd;k gS tks fd izpyu ;ksX; ugha gSA vr% ifjokn lO;; fujLr fd;s tkus dk fuosnu fd;k gSA 04- lacfa /kr ftyk vk;ksx us mHk;i{k dh vksj ls izLrqr vfHkopu] "kiFk&i= ,oa nLrkostksa ds voyksdu mijkar mRrjoknh@ifjoknh ds ifjokn dks vkaf"kd :Ik ls Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks'k iznku fd;k gS ftlds fo:) ;g vihy gSA 05- vihykFkhZ@fo:) i{kdkj dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ih- ds- iky dh vksj ls fyf[kr rdZ izLrqr dj ;g dFku fd;k gS fd mRrjoknh@ifjoknh us vius okgu v'kksd yhyS.M 2820 dzekad&lhth 08 ,-D;w- 7986 dk chek fo:) i{kdkj ds ikl fnukad&30-01-2024 ls fnukad&29- 01-2025 ds fy, chek ikWfylh dzekad&290700312310001611 ds }kjk fof"k'V "krksZa] izko/kkuks]a fucZU/kuksa ,oa viotZukvksa ds rgr izkIr djuk fookfnr ugha gS A mRrjoknh@ifjoknh dh okgu okf.kfT;d iz;kstukFkZ iathd`r gS ftu izfrfnu mi;ksx fd, tkus ds dkj.k fofHkUu j[k&j[kko bR;kfn dh {kfr gksuk vis{kh; gSA mRrjoknh@ifjoknh us mDr okgu ds esaVusl a dks Hkh nq?kZVukRed {kfr ls tksM+dj ejEer jkf"k dh ekax fd;k gS tks iks'k.kh; ugha gSA nq?kZVuktfur {kfr ds fy, chek daiuh {kfriwfrZ djus gsrq nkf;Rok/khu gksrh gS u fd mlls vf/kd jkf"k ds fy,A iz"uk/khu okgu esa nq?kZVuk tfur {kfr dk fo"ys'k.k Lora=] fu'i{k] vuqHkoh vkSj vkbZ- vkj- Mh- ,- ls ykbZlsal izkIr losZ;j us mRrjoknh@ifjoknh o mlds izfrfuf/k o ejEerdrkZ dh mifLFkfr esa losZ dj fjiksVZ izLrqr fd;k gS ftlesa {kfrxzLr okgu mRrjoknh@ifjoknh ds dCts esa gksus ds dkj.k lkYost ewY; gzkl dj ,oa ,Dlsl ewY; o voewY;u i`Fkd ls Allowed Page 4 of 8 Appeal No. National Insurance Co. Ltd. Vs. Ankush Rathore Order Pronounced SC/22/FA/411/2025 On- 11.03.2026 djrs gq, 3]84]844@&¼rhu yk[k pkSjklh gtkj vkB lkS paokyhl :Ik;s½ dh {kfr vkdfyr fd;k gS ftldk Hkqxrku mRrjoknh@ifjoknh dh iw.kZ larqf'V esa fd;k x;k gS ftlds dkj.k mRrjoknh@ifjoknh vU; dksbZ vuqrks'k izkIr djus dk vf/kdkjh ugha gS] fdarq ekuuh; ftyk vk;ksx }kjk mDr rF;ksa dh vuns[kh djrs gq, fof/k fo:) vkns"k ikfjr fd;k gS tks fLFkj j[ks tkus ;ksX; ugha gSA vr% vihy Lohdkj dj lacaf/kr ftyk vk;ksx }kjk ikfjr vkyksP; vkns"k vikLr fd, tkus dk fuosnu fd;k gSA 06- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh g'kZn O;kl us fyf[kr rdZ izLrqr dj lacfa /kr ftyk vk;ksx }kjk ikfjr vkns'k dk leFkZu djrs gq, vihy vikLr fd;s tkus dk fuosnu fd;k gSA 07- geus mHk;i{k ds fo}ku vf/koDrkx.k ds rdZ Jo.k fd, rFkk lacaf/kr ftyk vk;ksx }kjk izdj.k dzekad&Mhlh@388@lhlh@52@2025 i{kdkj **vadq"k jkBkSj fo:) fn us'kuy ba';ksjsal daiuh fyfeVsM] }kjk eaMy izca/kd** esa ikfjr vkns"k fnukad&07-07-2025 ,oa ewy vfHkys[k dk voyksdu fd;kA 08- izdj.k esa ;g rF; vfookfnr gS fd mRrjoknh@ifjoknh us viuh okgu v'kksd yhyS.M Vªd dzekad&lhth 08 ,;w@3747 dk chek fo:) i{kdkj ds ikl fnukad&04-04-2023 ls fnukad&03-04-2024 rd dh vof/k ds fy, djk;k Fkk ftldk chek ikWfylh dzekad&29070031236360000075 ,oa chfer ewY;& 43]00]000@&¼frjkyhl yk[k :Ik;s½ Fkk tks izn"kZ lh&2 ls izekf.kr gSA izdj.k esa ;g rF; Hkh vfookfnr gS fd iz"uk/khu okgu fnukad&24-12-2023 dks lqcg 5%30 cts le`f) gkbZos ¼ihiyxkao½ ds ikl nq?kZVukxzLr gksdj iyV x;k tks fd Allowed Page 5 of 8 Appeal No. National Insurance Co. Ltd. Vs. Ankush Rathore Order Pronounced SC/22/FA/411/2025 On- 11.03.2026 vihy Lrj ij izLrqr LikWV losZ ,oa QkbZuy losZ fjiksVZ izn"kZ vksih&1 ,oa 2 ls izekf.kr gSA izdj.k esa ;g rF; Hkh vfookfnr gS fd nq?kZVuk dh lwpuk mRrjoknh@ifjoknh }kjk fo:) i{kdkj chek daiuh dks fnukad&24-12-2023 dks nh xbZ ,oa leLr nLrkostksa lfgr fnukad&04-01-2024 dks chek nkok izLrqr fd;k x;k tks fd izn"kZ lh&1 ls izekf.kr gS ftlds mijkar vihykFkhZ@fo:) i{kdkj chek daiuh }kjk Jh c`ts"k dqekj iky dks losZ;j fu;qDr fd;k x;k ftlds }kjk viuh QkbZuy losZ fjiksVZ fnukad&08-02-2024 esa fjis;j csfll ij dqy 3]80]874-30@&¼rhu yk[k vLlh gtkj vkB lkS pkSgRrj :Ik;s rhl iSls½ dh {kfr vkdfyr dh xbZ tks fd vihy Lrj ij izLrqr izn"kZ vksih&2 ls izekf.kr gS vkSj mDr losZ fjiksVZ ds vk/kkj ij vihykFkhZ@fo:) i{kdkj chek daiuh }kjk 3]80]875@&¼rhu yk[k vLlh gtkj vkB lkS ipgRrj :Ik;s½ dh jkf'k Qqy ,.M QkbZuy lsVyesaV fMLpktZ Ogkmpj fnukad&19-02-2024 ¼izn"kZ vksih&1½ vihykFkhZ@fo:) i{kdkj chek daiuh ds le{k izLrqr fd;s tkus ij vihykFkhZ@fo:) i{kdkj chek daiuh }kjk 3]84]844@&¼rhu yk[k pkSjklh gtkj vkB lkS paokyhl :Ik;s½ dh jkf"k ifjoknh ds cSad [kkrs esa vkj- Vh- th- ,l- ds ek/;e ls fnukad&23-04-2024 dks VªkalQj fd;k x;k gS ftls ifjoknh }kjk vius vf/koDrk uksfVl fnukad&25-11-2024 ,oa ifjokn&i= o "kiFk&i= esa mYysf[kr fd;k gSA 09- mRrjoknh@ifjoknh dh vksj ls losZ;j fjiksVZ ij vkifRr dh xbZ gS] fdarq mDr losZ fjiksVZ ds [k.Mu esa ,slk dksbZ nLrkost izLrqr ugha fd;k x;k gS ftlls fd mDr losZ fjiksVZ dks =qfViw.kZ ekuk tk ldsA mRrjoknh@ifjoknh dh vksj ls mDr fMLpktZ Ogkmpj dks iwoZ ls Dyse QkeZ ds lkFk izkIr fd;k tkuk Hkh vfHkdfFkr fd;k gS] fdarq mRrjoknh@ifjoknh }kjk mlds [kkrs esa Allowed Page 6 of 8 Appeal No. National Insurance Co. Ltd. Vs. Ankush Rathore Order Pronounced SC/22/FA/411/2025 On- 11.03.2026 fnukad&23-04-2024 dks 3]84]844@&¼rhu yk[k pkSjklh gtkj vkB lkS paokyhl :Ik;s½ dh jkf'k izkIr gksus ds mijkar dksbZ vkifRr ugha dh xbZ gS vkSj u gh mDr fMLpktZ Ogkmpj dks cyiwoZd fu'ikfnr djok;k tkuk vfHkdfFkr fd;k gSA mRrjoknh@ifjoknh }kjk mDr jkf"k izkIr fd;s tkus ds mijkar yxHkx 08 ekg Ik"pkr~ fnukad&25-11-2024 dks vf/koDrk uksfVl izsf"kr dh xbZ gS ftlesa "ks'k jkf"k&5]28]596@&¼ikap yk[k vV~BkbZl gtkj ikap lkS fN;kucs :Ik;s½ o okgu fnukad&02-07-2024 ls fnukad&08-02-2024 rd [kM+s jgus ds ,ot esa 36 fnol dk izfrfnu 3]000@&¼rhu gtkj :Ik;s½ dh nj ls dqy&1]08]000@&¼,d yk[k vkB gtkj :Ik;s½ dqy&6]36]596@&¼N% yk[k NRrhl gtkj ikap lkS fN;kucs :Ik;s½ o uksfVl O;; 5]000@&¼ikap gtkj :Ik;s½ dh ekax dh xbZ gS vkSj blds mijkar fnukad&14-01-2025 dks ifjokn izLrqr fd;k gSA bl izdkj Li"V gS fd mRrjoknh@ifjoknh us 3]84]844@&¼rhu yk[k pkSjklh gtkj vkB lkS paokyhl :Ik;s½ dh jkf'k Qqy ,.M QkbZuy lsVyesaV ds vk/kkj ij izkIr fd;k gS ftlds mijkar mRrjoknh@ifjoknh vU; dksbZ jkf'k izkIr djus dk vf/kdkjh ugha gS] fdarq lacfa /kr ftyk vk;ksx }kjk mDr rF; dh vuns[kh djrs gq, fof/k fo:) vkns"k ikfjr fd;k x;k gS tks fLFkj j[ks tkus ;ksX; ugha gSA 10- ekuuh; jk'Vªh; vk;ksx }kjk fjfotu fifV"ku ua-&2771@20217 esllZ iadt VsfMax daiuh fo:) us"kuy ba";ksjal daiuh fyfeVsM ] vkns"k fnukad& 19-02-2020 esa ;g fu/kkZfjr fd;k x;k gS fd& "However, in my opinion, considering the authoritative provisions of the Hon'ble Apex Court in Ajmer Singh Cotton & General Mills (supra) and Genus Power Infrastructure Ltd. (supra), the complainant would be estopped from claiming any further payment from the insurer after executing the Discharge Vouchers accepting the amount offered by the insurer in full and Allowed Page 7 of 8 Appeal No. National Insurance Co. Ltd. Vs. Ankush Rathore Order Pronounced SC/22/FA/411/2025 On- 11.03.2026 final settlement of the claim unless it is shown that the Discharge Vouchers executed by the complainant were a product of some kind of duress, compulsion or coercion etc. on account of the prevailing financial circumstances of the complainant. Since no such ground has been made out in these matters, there is no escape from the conclusion that the Discharge Vouchers were executed by the complainants of their own free will and without any kind of duress, compulsion or coercion etc. Therefore, having executed the Discharge Vouchers and having accepted the amount offered by the insurer in full and final M/S. Pankaj Trading Company vs National Insurance Company Ltd. on 19 February, 2020 Indian Kanoon - http://indiankanoon.org/doc/154639094/ 7 settlement of their claim, they are estopped from claiming any further amount. This is more so in a case where the payment made by the insurer is based upon the final assessment made by the surveyor which was revised before the payment was accepted." 11- mijksDr lai.w kZ foospuk ,oa U;k; n`'Vkar ds vkyksd esa vihykFkhZ@fo:) i{kdkj dh vksj ls izLrqr vihy Lohdkj dh tkrh gS ,oa lacaf/kr ftyk vk;ksx }kjk izdj.k dzekad&Mhlh@388@lhlh@52@2025 i{kdkj **vadq"k jkBkSj fo:) fn us'kuy ba';ksjsal daiuh fyfeVsM] }kjk eaMy izca/kd** esa ikfjr vkns"k fnukad&07-07-2025 dks vikLr fd;k tkrk gSA mHk;i{k bl vihy dk O;;
viuk&viuk Lo;a ogu djsaxsA
¼ U;k;ewfrZ xkSre pkSjfM+;k ½ ¼ izeksn dqekj oekZ ½
v/;{k lnL;
Prononced On-11th March 2026
Allowed Page 8 of 8