State Consumer Disputes Redressal Commission
Chairman Processors Ltd. vs National Insurance Co. Ltd Through ... on 5 April, 2019
1 jkT; miHkksDrk fookn izfrrks"k vk;ksx] cSap la- 2] jkt0] t;iqj ifjokn la[;k&05@2012 Chairman Processors Ltd. /keZdkaVk dEikm.M] ghuk iUuk ekdsZV ds ikl] iqj jksM] HkhyokMk&31001 jktLFkku tfj;s Mk;jsDVj ifjoknh cuke 1- us'kuy ba';ksjl sa dEiuh fy-] 3 fefMysVu LVªhV] iks-ck- la- 9229] dksydkrk&700071 tfj;s tujy eSustj 2- us'kuy ba';ksjsal dEiuh fy-] [ksrkor ekdsZV] LVs'ku jksM] HkhyokMk&31001 ¼jkt-½ tfj;s czkap eSustj foi{khx.k le{k % ekuuh; Jh dey dqekj ckxMh] lnL; ¼U;kf;d½ ekuuh; lnL; Jherh ehuk esgrk mifLFkr %& ifjoknh dh vkSj ls Jh Mh-,e- ekFkqj vf/koDrk foi{kh dh vkSj ls Jh latho vjksMk vf/koDrk fu.kZ; fnukad 05 vizsy] 2019 jkT; vk;ksx jktLFkku t;iqj ¼}kjk Jh dey dqekj ckxM+h] lnL;]U;kf;d½ ;g ifjokn Chairman Processors Ltd dh vksj ls us'kuy ba';ksjsal dEiuh fy- ,oa vU; ds fo:) bl vk;ksx esa fnukad 30-01-2012 dks is'k fd;kA izdj.k ds rF; bl izdkj gS fd ifjoknh QeZ ds Mk;jsDVj us viuh vkthfodk dekus ds fy, Chairman Processors Ltd ds uke ls dk;Z dj j[kk gS vkSj mUgksusa dkjksckj dh tksf[ke ls lqj{kkFkZ foi{khx.k ds ;gka ls Qk;j ikWfylh 2 fnukad 19-07-2010 ls 18-07-2011 rd dh vof/k ds fy, djokbZ FkhA ftl ij foi{khx.k }kjk ifjoknh QeZ dks ikWfylh la- 370603@11@10@3400000581 chek/ku dqy 28 yk[k :i;s tkjh dh ,oa blds fy, chek 'kqYd ds :i esa vkius crkSj fizfe;e 3]64]000@&:i;s olwy fd;sA ifjoknh QeZ esa mDr chek ikWfylh dh vof/k ds nkSjku ikuh ds Vsd a esa czkfLVax gksus ls fnukad 31-07-2010 Vsd a dks uqdlku gks x;k vkSj mls 45]00]000@&:i;s dk uqdlku gks x;kA ftlds lEcU/k esa ifjoknh QeZ ds Mk;jsDVj us foi{khx.k dks bl ?kVuk o uqdlku dh lwpuk rqjUr nhA ifjoknh us mDr Vsad dk fuekZ.k djus esa 47]57]737@&:i;s dk O;; fd;k FkkA ifjoknh us Vsad dk LVªsDpj o fuekZ.k ;ksX; o dq'ky flfoy bfUtfu;j ls djok;k Fkk A ifjoknh us leLr vkSipkfjdrk;sa iw.kZ djrs gq, foi{khx.k ds ;gka Dyse is'k fd;k ftlds vuqlkj ifjoknh us 45 yk[k :i;s dk Dyse is'k fd;kA foi{khx.k us ifjoknh dks gq;s uqdlku ds vkadyu ds fy, Hkknjk ,.M ,lksfl,V~l izk0fy0 dks losZ;j fu;qDr fd;k ftlus ifjoknh dks Dyse nsus ls bUdkj dj fn;k rFkk mDr losZ;j us viuh fjiksVZ esa ;g ekuk fd Vsd a dk fuekZ.kxr <kapk o fMtkbZu Bhd ugh Fkk uk gh fdlh izdkj ls vizwOM Iyku fMtkbZu gh FkkA bl izdkj foi{khx.k ds losZ;j us ifjoknh ds fuekZ.k dks gh [kjkc crk fn;k vkSj bl dkj.k ikWfylh dh 'krksZ ds vuqlkj Dyse ns; ugh gksuk ekukA foi{khx.k us fnuakd 17-03-2011 dks i= tkjh dj ifjoknh dks lwfpr fd;k fd losZ fjiksVZ ds vuqlkj ifjoknh dks uqdlku =qfViw.kZ fuekZ.k o fMtkbZu ds dkj.k gqvk gSA ifjoknh dk fMtkbZu o Iyku vizwOM ugha FkkA ifjoknh dk Iyku l{ke vf/kdkjh ls Lohd`r ugha Fkk vkSj IykUV o e'khujh dh Vªk;y ds nkSjku rhu fnu esa nq?kZVuk gqbZ gSA foi{khx.k us mDr i= esa ;g Hkh lwfpr fd;k fd ifjoknh dk fuekZ.k =qfViw.kZ gksus o fMtkbZu =qfViw.kZ gksus ls ikWfylh ds viotZu DykWt 7¼Mh½ ds vuqlkj ns; ugha gSA foi{khx.k us ifjoknh dks Dyse nsus ls xyr] vuqfpr o vk/kkjghu :i ls bUdkj dj fn;kA foi{khx.k us ikWfylh ds viotZu DykWt 7¼Mh½ ds vuqlkj Dyse nsus ls bUdkj dj fn;k] tcfd foi{khx.k us ifjoknh dks fdlh Hkh izdkj ls ikWfylh ds lkFk dksbZ fu;e ;k 'krsZ miyC/k ugha djokbZ vkSj uk gh foi{khx.k us ifjoknh dk ftu vk/kkjks ij Dyse nsus ls bUdkj fd;k gS] mu vk/kkjksa ;k 'krksZ dks ikWfylh djkus ds le; gh lalwfpr gh fd;k vkSj vc ikWfylh vof/k ds nkSjku uqdlku gksus ij ifjoknh dks ikWfylh ds fu;e o 'krksZ ds vuqlku Dyse ns; ugha 3 gksuk crkrs gq, Dyse nsus ls bUdkj dj fn;k] tcfd ifjoknh dks ikWfylh vof/k ds nkSjku uqdlku gqvk gS rFkk mldks gq;s uqdlku dh HkjikbZ djus dk nkf;Ro foi{khx.k us chek ikWfylh dj vius mij fy;k Fkk] mls foi{khx.k us fuoZgu ugha fd;k vkSj tkucw>dj xyr o vuqfpr vk/kkjksa ij Dyse nsus ls vlaxr vk/kkjksa ij bUdkj dj fn;k] tks foi{khx.k dh lsokvksa esa Hkkjh deh gS A foi{khx.k us ifjoknh ds Vsd a fuekZ.k o fMtkbZu vkfn dks ns[kdj ekSd ij tkdj iw.kZr% lUrq"V gksus ds ckn gh chek fd;k x;k Fkk rFkk ml ij fdlh izdkj ls fuekZ.k o fMtkbZu dk =qfViw.kZ gksuk] Iyku vizwOM ugaha gksuk vkfn ugha crk;k Fkk] tcfd ifjoknh us l{ke o ;ksX; flfoy bUthfu;j ls vPNk esVsfj;y yxkdj fuekZ.k djok;k FkkA ;g lkekU; vuqdze gS fd dksbZ Hkh O;fDr dsoy ek= Dyse ysus ds fy, vius Vsd a dk fuekZ.k =qfViw.kZ ;k [kjkc ugh cuok;sxkA ifjoknh }kjk foi{khx.k ds ;gka mDr Vsd a fuekZ.k djkus ds lEcU/k esa flfoy bUthfu;j dh fjiksVZ o mi;ksx esa yh xbZ fuekZ.k lkexzh ds fcyksa dh izfr;ka is'k dj nh Fkh] ftlls Li"V gS fd ifjoknh us fuekZ.k o fMtkbZu iw.kZr% vPNh fdLe dk cuok;k FkkA foi{khx.k muds losZ;j us ftl vk/kkj ij ifjoknh dks lEiw.kZ Dyse nsus ls bUdkj fd;k gS] og iw.kZr% vk/kkjghu] vlaxr o vkSfpR;ghu gS ,ao ifjoknh foi{khx.k ls mDr Dyse jkf'k izkIr djus dk vf/kdkjh gSA vr% ifjoknh us foi{khx.k ls ifjokn i= pkgs x;s vuqrks"k fnykus dh izkFkZuk dh gSA ifjoknh dh vksj ls ifjokn ,oa lk{; ds leFkZu esa eqds'k vxzoky dk 'kiFk&i= ,oa nLrkost ,usDpj&1 ls ,usDpj&6 izLrqr fd;s x;sA foi{khx.k us tokc esa ;g dFku fd;k gS fd ifjoknh vius ifjokn i= ds en la[;k&8 esa bl rF; dks Li"V :i ls Lohdkj djds vk;k gS fd foi{kh chek dEiuh }kjk i= fnukad 17-03-2011 tkjh dj] ifjoknh dks lwfpr fd;k fd losZ;j fjiksVZ ds vuqlkj ifjoknh dks uqdlku =qfViw.kZ fuekZ.k o fMtkbZu ds dkj.k gqvk gSA ifjoknh dk fMtkbZu o Iyku vizwOM ugh FkkA ifjoknh dk Iyku l{ke vf/kdkjh ls Lohd`r ugh Fkk vkSj IykUV o e'khujh dh Vªk;y ds nkSjku 4 fnu esa nq?kZVuk gqbZ gSA ifjoknh us vius ifjokn i= esa ;g rF; Hkh Lohdkj fd;k gS fd ** foi{khx.k us mDr i= esa ;g Hkh lwfpr fd;k fd ifjoknh dk fuekZ.k =qfViw.kZ gksus o fMtkbZu =qfViw.kZ gksus] ikWfylh ds viojtu DykWt 7¼Mh½ ds vuqlkj ns; ugh gSA ** foi{khx.k izLrqr djrs gS fd muds }kjk ifjoknh }kjk izLrqr Dyse ckn ln~Hkkfod tkap losZ;j dh fjiksVZ ds vk/kkj ij ;g rF; lkeus vkus ij fd gq, uqdlku dk dkj.k ckotwn ryc o rdkts] ifjoknh ugha crk 4 ldk vkSj gqvk uqdlku fuekZ.k dh =qfV ds dkj.k] fMtkbZu =qfViw.kZ gksus ds dkj.k gqvk gS vkSj ,slk uqdlku ikWfylh ds rgr doj ugh gksus ls] ikWfylh dh dUMh'ku 7¼Mh½ ds vuqlkj ns; ugha gS] dkj.k crkrs gq, ifjoknh dks fyf[kr esa lwfpr fd;k tk pqdk gS] ftlls Li"V gS fd foi{kh chek dEiuh dh lsokvksa esa fdlh izdkj dh deh vFkok lsoknks"k fdlh fdLe dk ugh jgk gSA ifjoknh ps;jesu izkslsllZ fyfeVsM] dEiuh vf/kfu;e ds izko/kkuksa ds rgr xfBr o iathd`r dEiuh gS vkSj mlus viuh O;kolkf;d xfrfof/k;ksa ds pyrs o dEiuh ds uke ls lEcfU/kr chek ikWfylh izkIr dj j[kh gS] tks mldh okf.kfT;d xfrfof/k;ksa vFkok okf.kfT;d xfrfof/k;ksa ds nkSjku gq, uqdlku dh chek tksf[ke dks doj djus ds lEcU/k esa gSA ifjoknh dEiuh ds uke ls Qk;j ikWfylh fnukad 19-07-2010 ls 18-07- 2011 dh vof/k ds fy, dqy chek tksf[ke jkf'k 28 djksM :i;s gS] izkIr dh gSA ;g Li"V gS fd;k tkuk mfpr gS fd lEcfU/kr ikWfylh ds rgr foi{kh chek dEiuh dk nkf;Ro lCtsDV Vw VªEl] d.Mh'ku ,.M ,DlSI'ku Vw nh ikWfylh lhfer gSA ifjoknh dk;g dguk lgh ugh gksus ls vLohdkj gS fd ** mDr ikWfylh ds lkFk fdlh izdkj ds dksbZ fu;e o 'krsZ miyC/k ugha djkbZ xbZ gksa vkSj dsoy dEI;wVjkbZt ikWfylh gh miyC/k djkbZ xbZ gksA** ikuh ds Vsd a esa fdlh izdkj dh czkfLVax ugha gqbZ] cfYd lEcfU/kr ikuh dk VSad] ftldk fMtkbZu =qfViw.kZ o nks"kiw.kZ Fkk vkSj bl dkj.k fuekZ.k Hkh =qfViw.kZ Fkk] og Loa; gh dksysIl gks x;kA ekeyk ,slk ugh gS fd dksbZ ikuh dk VSad czLV gqvk gks vkSj mlds czLV gksus ls fdlh chfer lkeku dk uqdlku gqvk gksA ikuh ds VSad dk Loa; dk dksysIl gksuk] lEcfU/kr ikWfylh ds rgr] tks tksf[ke doj dh xbZ gS ugha vkrk gSaA czfLVax ,.M @ vkSj vksoj ¶yksbZx vkWQ okVj VSaDl] vizsVl ,.M ikbi dk] tks mij mYys[k gS] dk lEcU/k muls gksus okys uqdlku ds lEcU/k esa gSA ;fn okVj VSad czLV gks tk,] dksbZ vizsVl czLV gks tk, ;k dksbZ ikbZi czLV gks tk, vksj mlds czLV gksus ls] dksbZ chfer lkeku dk uqdlku gks] rks og uqdlku doj gS] u fd lEcfU/kr okVj VSad vFkok ,slk okVj VSad] tks mDr fdlh dkj.k ls czLV u gksdj] viuh Loa; dh =qfViw.kZ fMtkbZu ds dkj.k dksysIl gqvk gksA ;gka ;g Hkh Li"V fd;k tkuk mfpr gS fd mDr ikWfylh esa Li"V :i ls ;g mfYyf[kr gS fd ikWfylh ds f'kM~;wy esa of.kzr chfer lEifr lEiw.kZ vFkok mldk 5 dksbZ Hkkx ;fn ikWfylh esa of.kZr iYlZ ds dkj.k MsLVªkW;~M ;k Msest chek vof/k ds nkSjku gks tk,xh] rks ikWfylh ds rgr chek dEiuh dh ftEesokjh gksxhA foi{kh chek dEiuh dh vksj ls fu;qDr lso;j eSllZ Hkknjk ,lksfl,V~l izk- fy- }kjk vius losZ;j fjiksVZ fnukad 20-12-2010] ftldh izfr vusDpjvkj&2 ds :i esa layXu gS] chek dEiuh dk dksbZ nkf;Ro lEcfU/kr {kfr ds lEcU/k esa vk;n gksuk ugh ekuk ijUrq vius mDr losZ ds nkSjku gq, uqdlku ds lEcU/k esa mudk vkadyu 41]24]457-37 iSls vkadk x;k gS vkSj mDr jkf'k chek dEiuh }kjk ifjoknh dks Dyse dh {kfr ds :i esa ns; ugha gksus dh vuqla'kk dh xbZ gSA EXCLUSIONS T0 SECTTON-1 "The Company shall not however be liable for:
a) ...............
b) ................
c) .................
d) Loss or damaged due to faulity design defective material or casting bad workmanship other than faults I erection.
This exclusion shall be limited to the itmes immediately affected and shall not be deemed to exclude loss or damage to other insured itmes resulting from such excluded perils."
e) ...............
f) ................
g) .................
ds izHkko'khy gksus ls lEcU/kr Dyse mDr ikWfylh ds rgr Hkh ns; ugh gSA ;fn lEcfU/kr VSad dk LVªsDpj dq'ky bathfu;j ls fMtkbu djok;k x;k gksrk] rks ;g fLFkfr lkeus ugha vkrh A lEcfU/kr okVj VSad vius fMQsfDVo fMtkbu ds dkj.k gh dksysIl gqvk gSA foi{khx.k us ikWfylh viojtu DykWt la[;k&7¼Mh½ ds vk/kkj ij Dyse vLohd`r ugh fd;k x;k gS] cfYd ikWfylh ds rgr tks tksf[ke doj gS] tks ,DlIVsM iYlZ gS] esa 7 osa ,DlIVsM iYlZ ds DykWt&Mh o mDr of.kZr f}rh; ikWfylh ds ¼esVsfj;y Msestst½ lSD'ku&1] ,DlDywtu DykWt, mien&Mh ds izHkko'khy gksus ds dkj.k] budk mYys[k djrs gq, ifjoknh dk Dyse ns; ugh gksuk ik;k o vLohdkj fd;k x;k gSA ifjoknh dk ;g dFku furkUr vlR; gksus ls vLohdkj gS fd **tcfd foi{khx.k us ifjoknh dks fdlh Hkh izdkj ls ikWfylh 6 ds lkFk dksbZ fu;e ;k 'krsZ miyC/k ugh djokbZ] u dksbZ foi{kh us ifjoknh dk ftu vk/kkjksa ij Dyse nsus ls bUdkj fd;k gS] mu vk/kkjksa ;k 'krksZ dks ikWfylh djkus ds le; gh lalwfpr ugh fd;k A** bl en ds 'ks"k dFku ftl rjg rgjhj fd, x, gS] xyr o vlR; gksus ls vLohdkj gSA ifjoknh dk ;g dFku furkUr vlR; gksus ls vLohdkj gS fd ** foi{kh chek dEiuh }kjk ifjoknh dks Dyse ugha nsdj lsoknks"k ;k ?kksj ykijokgh dh gks vFkok vuQs;j VªsM izsfDVl viukbZ xbZ gksA** ;gka ;g Li"V fd;k tku mfpr gS fd foi{kh chek dEiuh dh lsokvksa esa fdlh izdkj dh deh vFkok lsoknks"k fdlh fdLe dk ugh jgk gSA lEcfU/kr uqdlku tks ifjoknh dks gqvk] og nks"kiw.kZ fMtkbZu ds VSad ds fuekZ.k djus dh otg ls gqvk A fdruk Hkh vPNk esVsfj;y ;fn flfoy dULVªxD'ku esa xyr fMtkbZu ij yxk;k tk,xk rks mlls og fuekZ.k vPNk ugh gks tkrk] cfYd xyr fMtkbZu dk izHkko bruk fodV gksrk gS fd fdruk Hkh vPNk esVsfj;y yxkus ds i'pkr~ lEcfU/kr LVªsDpj dk;e ugh jgrk vkSj dksysIl gks tkuk lkekU; ckr gSA blfy, fdlh Hkh LVªsDpj dh fMtkbZu DokyhQkbZM flfoy bathfu;j ls djok;k tkuk vkSj fMtkbu ds vuq:I fuekZ.k djokuk vko';d gSA mlesa ;fn dksbZ deh jgrh rks mldk ifj.kke Lor% gh lkeus gksrk gS vkSj blds fy, Loa; ifjoknh ftEesokj gSA vr% ifjokn [kkfjt djus dh izkFkZuk dh foi{khx.k dh vksj ls tokc ,oa lk{; ds leFkZu esa vfer tk[ksfr;k] foey dqekj xks;y] vfjUne xqIrk ,oa ';key Hkknjk] Loiu dqekj Hkknjk ds 'kiFk&i= ,oa ,usDpj&vkj&1 ,oa ,usDpj&vkj&3 nLrkost izLrqr fd;sA cgl i{kdkjku vf/koDrkx.k lquh ,oa i=koyh rFkk nLrkostkr dk voyksdu fd;kA ;g ifjokn izkjfEHkd :i ls gh >waB ,oa vk;ksx dks xqejkg djus ij vk/kkfjr gSA ifjokn ds iSjk la[;k&1 esa fuEu vafdr fd;k gS %& ** ;g fd ifjoknh] foi{khx.k dk miHkksDrk gS rFkk foi{khx.k chek lsok;sa iznku djrs gS vkSj blds cnys 'kqYd olwy djrs gSA ifjoknh QeZ ds Mk;jsDVj us viuh vkthfodk dekus ds fy, Chairman Processors Ltd ds uke ls dk;Z dj j[kk gS vkSj mUgksusa dkjksckj dh tksf[ke ls lqj{kkFkZ foi{khx.k ds ;gka ls Qk;j ikWfylh fnukad 19-07-2010 ls 18-07-2011 rd dh vof/k ds fy, djokbZ 7 FkhA ftl ij foi{khx.k }kjk ifjoknh QeZ dks ikWfylh la[;k 370603@11@10@3400000581 chek/ku dqy 28 yk[k :i;s tkjh dh ,oa blds fy, chek 'kqYd ds :i esa vkius crkSj fizfe;e 3]64]000@&:i;s olwy fd;sA mDr ikWfylh dh QksVks izfr vusDlj&1 ds :i esa layXu gSA mDr ikWfylh ds lkFk fdlh ls dksbZ fu;e o 'krsZ miyC/k ugh djokbZ xbZ vkSj dsoy ek= dEI;qVjkbTM ikWfylh gh miyC/k djokbZ xbZ] ftlesa fdlh fu;e o 'krZ dh tkudkjh ugha nh xbZ ** ;gh ckr eqds'k vxzoky ds 'kiFk i= ds iSjk la[;k&2 esa vafdr dh xbZ gSA blls ;g izrhr gksrk gS fd ifjoknh vkthfodk dekus ds fy, dke djrk gSA ;g iSjk ek= bl ckr dks Vkyus ds fy, vafdr fd;k x;k gS fd dkef'kZ;y VªkatsD'ku eku fy;k tkos tcfd ;g ekeyk ba';ksjsal dk gS] b.MsefuVh cks.M ij vk/kkfjr gS blfy, dkef'kZ;y dk fl)kUr ykxw gh ugh gksrkA ifjoknh QeZ fyfeVsM dEiuh gS] 28 djksM dk chek djk;k] 45 yk[k :i;s dk Dyse is'k fd;k gSA ifjoknh QeZ u rks izksijkbVj QeZ gS u lk>snkjh QeZ gS u izkbosV fyfeVsM QeZ gS cfYd fyfeVsM dEiuh gS A fQj Hkh vkthfodk dekus ds fy, vafdr fd;k gS] tks iw.kZr;k >waB o vk;ksx dks xqejkg djus okyk gS] u dsoy ifjokn ds iSjk la[;k&1 eas vafdr fd;k gS cfYd vius 'kiFk i= ds iSjk la[;k&2 esa Hkh eqds'k vxzoky us ;gh vafdr fd;k gSA ifjoknh fyfeVsM QeZ gS ;|fi ifjokn i= ds lkFk eqds'k vxzoky dks dk;Zokgh djus ds fy, vf/kd`r djus dk izLrko gS ijUrq ;g rF; u rks ifjokn i= esa vafdr gS u gh eqds'k dqekj vxzoky ds 'kiFk i= ij vafdr gSA ;gka rd fd bl nLrkost ij u rks ,uDpj ekdZ fd;k gS u gh izn'kZ ekdZ fd;k gS u gh bl nLrkost ds leFkZu esa 'kiFk i= is'k fd;k gSA ;g nLrkost fcvksu IyhfMax ,.M izqQ gSA ifjoknh us vius QeZ dk fnukad 19-07-2010 ls 18-07-2011 rd dk 28 djksM :i;s dk chek djk;kA ifjokn ds iSjk la[;k&1 esa tks 28 yk[k :i;s 'kCn fy[ks x;s gS cfYd ;g 28 djksM :i;s gS tks fd ,usDpj&1 ls lkfcr gksrs gSA fnukad 31-07-2010 dks QeZ ds ikuh ds Vsd a czLV gks x;k rFkk mlesa uqdlku gqvk tks 45 yk[k :i;s dk gqvk ftldk Dyse ekaxk x;kA losZ;j fu;qDr fd;k x;k] losZ;j us fjiksVZ esa xyr fuekZ.k djuk crk;k rFkk ikWfylh ds ,DlDywtu DykWt esa uqdlku gksus dh otg ls Dyse nsus ls bUdkj fd;k tks xyr gS A losZ;j dks ,slk fy[kus dk vf/kdkj ugh gS mls ek= uqdlku dk vkadyu djuk 8 FkkA ifjokn i= esa ;g Hkh vafdr fd;k gS fd ifjoknh dks flQZ ikWfylh nh xbZ Fkh 'krksZ dk dksbZ nLrkost ugh fn;k x;k FkkA bl fLFkfr esa ,DlDywtu DykWt ykxw ugh gksrkA ifjoknh dk ,usDpj&1 tks ba';ksjsal ikWfylh gS mlds i`"B la[;k&1 esa fuEu vafdr gS %& The Insurance under this Policy is subject to warranties & clauses (as per forms attached) & is extended to cover risks of (as per forms attached) Bank Names Are As Per List Attached:
rFkk i`"B la[;k&2 esa fuEu vafdr gSa %& Sr. No. Desciption of Clauses
1. Subject to Earthquake (Fire and Shock) Clause As Attached ifjoknh us ,DlDywtu Dykt ;kuh 'krsZ ugh nsus dk 'kiFk i= is'k fd;k gS A vizkFkhZ dh vksj ls Hkh 'krksZ dk nLrkost nsus dk 'kiFk i= is'k fd;k x;k gSA bl izdkj nksuksa i{kks ds ;s 'kiFk i= gS fd vuqcU/k dh 'krksZ dk Dykt fn;k x;k ;k ugh bl fLFkfr esa ekSf[kd lk{; fojks/kkHkklh gS ijUrq ifjoknh ds gh nLrkost ls ;g fl) gksrk gS fd 'krksZ dk nLrkost fn;k x;k Fkk A ekSf[kd lk{; ds eqdkcys nLrkosth lk{; ij T;knk fo'okl fd;k tk;sxkA ,slh fLFkfr esa ;gh ekuk tkrk gS fd ifjoknh dks ikWfylh ds lkFk 'krksZ dk nLrkost fn;k x;k Fkk A I(2000) CPJ 1 (SC) M/S. Modern Insulators Ltd. V/s Oriental Insurance Co. Ltd. dk fu.kZ; bl izdj.k esa ykxw ugh gksrk D;ksfa d ifjoknh dks vuqcU/k dh 'krksZ dk e; ,DlDywtu fn;k x;k Fkk tks ifjoknh us is'k ugh djds vk;ksx dks xqejkg fd;k gSA foi{kh dh vksj ls tks ikWfylh dh izfr ,uDpjvkj&3 is'k gqbZ blds ,DlDywtu Dykt esa fuEu vafdr gS %& D. loss or damaged due to faulty design defective material or casting bad workmanship other than faults in erection. This exclusion shall be limited to the items immediately affected and shall not be deemed to exclude loss or damage to other insured items resulting from such excluded perils.
E. the cost necessary for rectification or correction of any error during erection unless resulting in physical loss or damage.
9blh nLrkost esa flfoy bathfu;fjax oDlZ dkye esa fuEu vafdr gS %& It is hereby declared and agreed subject to the exceptions contained herein or endorsed hereon that this Policy is extended to cover the risks of loss or damage to property brought on to the Site of Erection of the performance of the erection contract details of which are stated as under :-
a) All permanent Civil Engineering Works such as buildings foundations earthworks including materials for the construction thereon.
b) All temporary works such as buildings sheds. PROVIDED that the following exclusions all apply
i) loss or damage directly caused by defective workmanship material or design or wear and tear
ii) loss or damage directly caused by mechanical breakdown or derangement
iii) loss or damage directly caused by deterioration due to lack of use or obsolescence
iv) any loss of property either by disappearance or by shortage it such disappearance or shortage alone is revealed during and after an inventory is made
v) cessation of work whether total or partial
vi) loss destruction or damage of accounts bills currency stams deeds evidence of dabt money notes or securities bl ,DlDywtu Dykt ls Li"V gS fd vxj fMQsfDVo odZesu'khi esVsfj;y fMtkbu fo;j ,.M fV;j ij ba';ksjsal ykxw ugh gksrh A bl izdj.k esa Hkknjk ,.M ,lksfl,V izk0 fy0 dks losZ;j fu;qDr fd;k x;k ftldh fjiksVZ ,usDpjvkj&2 gSA bl fjiksVZ esa fuEu vafdr fd;k x;k gS%& No approved plan was there for construction of the said tank. The insured submitted to us a drawing (plan) of the said tank where no foundations for the said tank was there. The said tank was filled with water around 80 % of its capacity for previous three months. At the out side (in top) of the affected wall there was a RCC cum brick channel used for passing water 10 which had attributed in creating moments or tumbling force when water started flowing in the channel.
The said wall of the tank which had collapsed, did not withstand the hydraulic pressure generated form both side of the wall (from the filled water in inside and from the water passing through the channel to out side) and bulged in its lower middle portion.
From the above, we are of the view that the cause of such accident was due to faulty construction and design. There was however no approved design & plan.
The Tank was kept filled with water since last three months. As per clause of Erection policy, the testing period cannot extend beyond three months of the day when trail run was made and the insurance cover and liability of the Insurer under Erection Policy ceases, if part of plant is tested and put into operation, for that particular part and the cver or liability continues for remaining part. Hence, we may consider that the Effluent Tank was covered by the Fire Policy only.
The cause of damage in out opinion was faulty design. In fact, there was no approved design and plan.
Damage due to defective design or workmanship or use of defective material have been excluded from Insurer's liability clause viii(d) of accepted Perils of Fire Policy. By exclusion No. (d) of section -1 (Maerial Damage) of Marine cum Erection Policy, liability of Insurer is excluded for loss of damage due to faulty design.
Hence, Insurer has no liability for the claim.
Conclusion ::
The Insured could not specify the reason for damage though it was pointed out to them in writing that it was obligatory on their part to specify the reason. As per General Condition No. 6 (b) of Fire Policy, it was a condition precedent to acceptance of liability that the Insured would provide proof and information as regards origin and cause of loss.
No accepted peril was liable for the damage for the Effluent Tank.
In our opinion, loss had occurred due to faulty design and construction. However, there was no approved plan and design. The damages due to faulty design and construction have been 11 excluded by clause viii (d) of accepted Perils of Fire Policy and as well as by exclusion No. (d) of Section -1 (Material Damage) of Marine cum Erection Policy.
bl fjiksVZ ls izrhr gksrk gS fd Vadh dk fuekZ.k xyr Iyku] fcuk yksdy cksMh dh vuqefr fy;s] fcuk Vadh ds uhps dksbZ cSl yxk;s Vadh cukbZ xbZ tks bafUtfu;lZ dh ns[kjs[k ;k Iyku esa ugh cukbZ xbZ ftlds ifj.kke Lo:Ik mlesa 80 izfr'kr ikuh Hkjus ls Vadh czLV gksdj u"V gks xbZ tks chek ds ,DlDywtu DykWt esa ugh vkrk gSA losZ;j tks fu;qDr fd;k gS os iathd`r losZ;j gS izkbosV fyfeVsM dEiuhA losZ;j fjiksVZ ds leFkZu esa losZ;j dk 'kiFk i= Hkh is'k ugh gqvk A losZ;j dh fjiksVZ ,d egRoiw.kZ nLrkost gS tc rd ml ij dksbZ vkjksi ugh gS vfo'okl ugh fd;k tk ldrk] mldks egRo fn;k tkuk pkfg,A (2000) 10 SCC 19 esa ekuuh; loksZPp U;k;ky; us fuEu fu/kkZfjr fd;k gS %& Consumer Protection Act, 1986 - Ss. 13, 14 and 22 - Non-
consideration of important document (surveyor's report) - Fire insurance policy obtained by respondent from appellant in respect of stock of mustard seeds - Insurance cover covered "loss or damage by fire only to the property insured, caused by its own fermentation, natural heating or spontaneous combustion" - Respondent informing the appellant that mustard seed stored in silo had been affected due to self- spontaneous combustion - Appellant appointing joint surveyors in terms of S. 64-UM(2) of Insurance Act - Surveyors in their report giving detailed account of factors on the basis of which they reached conclusion that no loss or damage caused on account of fire - On the basis of that report appellant repudiating claim of respondent - Respondent filing claim before National Consumer Disputes Redressal Commission - Though surveyors' report was placed on record, Commission without considering the same, allowing the claim of respondent and awarding the insurance amount with interest - Held, Commission was not justified in awarding the insurance amount to the respondent without adverting itself to the contents of the joint survey report, especially the factors enumerated therein since claim of respondent was disallowed by appellant on the basis of that report - Non-consideration of this important document resulted in serious miscarriage of justice and vitiates the judgment passed by the Commission - The case has, therefore, to be sent back to the Commission for a fresh hearing - Insurance Act, 1938, S.64-UM(2) 12 1(2012) CPJ 272 NC D.N. Badoni V/s Oriental Insurance Co, Ltd. ds iSjk la[;k&8 esa fuEu fu/kkZfjr fd;k gS %& Counsel for respondent on the other hand stated that as per spot inspection of the Surveyor and the assessment of a second Surveyor, only minimal damage was done to the vehicle was buried under the snow and there was no question of total loss to the vehicle since it had not met with any accident or other such mishap which could have caused extensive damage. The actual damage caused to it was listed out in detail by the Surveyor who specifically stated that only paint of the vehicle had chipped off in a number of places, the battery was discharged but no damage was observed and there was no external damage to the vehicle and that all the mechanical systems were undamaged and safe. These were confirmed by photographs taken during the inspection. In view of these facts, the loss was rightly assessed at Rs. 3,655. The contention of the petitioner that the Surveyor had actually assessed the cost of repairs to be Rs. 93,340 is not correct. Further, even the bills produced by the petitioner could not be accepted as proof of the actual damage caused and if at all these repairs were carried out it was done by the petitioner to use this opportunity to upgrade the condition of his tanker and not because these repairs were required as a result of the tanker being buried under the snow. The State Commission had rightly appreciated these facts and, therefore, there is no merit in this revision petition.
ekuuh; loksZPp U;k;ky; o ekuuh; jk"Vªh; vk;ksx }kjk izfrikfnr fl)kUrks dks ns[ks rks losZ;j dh fjiksVZ dks egRo fn;k tkuk pkfg,A losZ;j dk dke uqdlku dh tksM ckdh djuk ugh gS cfYd lEiw.kZ fLFkfr dks ns[krs gq, chek ikWfylh o mldh 'krksZ dks ns[krs gq, fjiksVZ nsuh gksrh gS] tks nh xbZ gS bl ij vfo'okl djus dk dksbZ dkj.k utj ugh vkrkA ifjoknh dk ifjokn ,DlDywtu DykWt esa gksus ds dkj.k {kfriwfrZ nsus ;ksX; ugh gSA fuekZ.k nks"kiw.kZ Fkk blds ifj.kke Lo:i ikuh dh Vadh czLV gqbZ A bl lEcU/k esa III(2013) CPJ 674 (NC) Shital Fibres Ltd. V/s Bharat Axa General Insurance C0, Ltd. esa ekuuh; jk"Vªh; vk;ksx us fuEu fu/kkZfjr fd;k gSa %& Consumer Protection Act, 1986 - Sections 2(1)(g), 21(a)(i) - Insurance - Collapse of Building - Surveyor appointed - Non- operation of any insured peril - Claim repudiated - Alleged deficiency in service - Policy does not include normal cracking, settlement or bedding down of new structures or settlement or movement of made-up ground - Case falls within exclusion clause of policy - Expert report carries value - No reason to discard report of Surveyor - Deficiency in service not proved.
13IV(2009) CPJ 167 (NC) New India Assurance Co. Ltd. V/s Raj Tile Works Parari esa ekuuh; jk"Vªh; vk;ksx us fuEu fu/kkZfjr fd;k gS %& Consumer Protection Act, 1986 - Sections 21 - Insurance Accidental damage- Not proved - Claim repudiated by insurer
- Complaint allowed by State Commission - Hence appeal - As per Investigator's report, collapse of pillar due to alleged impact of truck, while it was being reversed, not witnessed by any body being reversed, not witnessed by any body - Pillar in fact collapsed of its own, because of age - State commission erred in interpreting observations of Investigator - Pillar collapsed not due to accidental impact of vehicle, well demonstrated by insurer on basis of evidence and material on record - Repudiation of claim justified - Order of State Commission not sustainable due to lack of proper appreciation of evidence and material on record - Order set aside in appeal.
III(2007) CPJ 443 (NC) New India Assurance Co. Ltd. V/s Vishnu Chemicals Pvt. Ltd. esa ekuuh; jk"Vªh; vk;ksx us fuEu fu/kkZfjr fd;k gS %& Consumer Protection Act, 1986 - Sections 19 - Appeal - Insurance - Policy covering risk of fire, riots, etc. - Stock damaged due to collapse of mother Liquor storage tank - Alleged, loss occurred as excavator loader hit one of the columns of tank while reversing - Repudiation of claim - Ground : loss not covered under terms and conditions of policy
- Complaint allowed - Hence appeal - Complainant not sure about cause of falling down of mother tank - Frequently shifted version as to cause of loss - Surveyor's report accepted - Mother tank collapsed on its own weight - Repudiation justified
- State Commission erred in passing impugned order - Set aside.
fo}ku vfHkHkk"kd ifjoknh us IV(2018) CPJ 222 (NC) Soluble Silicate Pvt. Ltd. V/s New India Assurance Co. Ltd. , III(2008) CPJ 261 (NC) Hanuman Shakari Pani Puravatha Sanstha V/s Orintal Insurance Co. Ltd., II(2017) CPJ 1 (SC) National Insurance Co. Ltd. V/s Hindusthan Safety Glass Works Ltd., II(2007) CPJ 206 (NC) National Chlorides V/s United India Insurance Co. Ltd. ds tks U;kf;d fu.kZ; is'k fd;s gS oks bl izdj.k esa ykxw ugh gksrs gS D;ksafd ;g izdj.k fuekZ.k esa =q Vh o ,DlDywtu Dykt ij vk/kkfjr gS rFkk ifjoknh us vk;ksx dks xqejkg djus ds fy, ifjokn esa xyr rF; o xyr 'kiFk i= is'k fd;k gSA ekuuh; jk"Vªh; vk;ksx }kjk izfrikfnr fl)kUrks dh jks'kuh esa bl izdj.k dks ns[ks rks fuekZ.k nks"kiw.kZ Fkk rFkk ifjoknh dh {kfr ,DlDywtu DykWt es vkrh 14 gSA ,slh fLFkfr esa ifjoknh fdlh izdkj dh {kfriwfrZ izkIr djus dk vf/kdkjh ugh gS A ifjokn [kkfjt fd;s tkus ;ksX; gSA vkns'k vr% ifjokn ifjoknh [kkfjt fd;k tkrk gSA [kpkZ i{kdkjku viuk viuk ogu djsxAsa ¼ ehuk esgrk ½ ¼ dey dqekj ckxMh ½ lnL; lnL; ¼U;kf;d½ jktiqjksfgr