State Consumer Disputes Redressal Commission
National Insurance Co.Ltd. vs Mohammad Gayasuddin Ali on 1 July, 2016
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us'kuy ba';ksjsal daiuh fyfeVsM }kjk 'kk[kk izca/kd esa ikfjr vkns'k
// 2 //
fnukad&16-10-2014 ftlds }kjk mRrjoknh@ifjoknh ds ifjokn dks
Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%&
**v- vkosnd dks mlds fookfnr okgu Vªd dzekad&ts-
,p- 17 Mh@2462 ds pksjh gks tkus ds dkj.k chek/ku
jkf'k&5]00]000@&¼ikap yk[k :Ik;s½ dks vkt ls 02 ekg
ds vanj vukosnd iznku djsA mDr jkf'k ij ifjokn
izLrqfr fnukad&12-02-2015 ls 09 izfr'kr dh nj ls okf"kZd
C;kt Hkh vukosnd iznku djsA
vk- vkosnd dks ekufld {kfriwfrZ ds :Ik esa
25]000@&¼iPphl gtkj :Ik;s½ dk Hkqxrku Hkh vukosnd
djsA
b- vkosnd dks okn O;; ds :Ik esa 2]000@&¼nks gtkj
:Ik;s½ Hkh vukosnd iznku djsA
ls nqf[kr gksdj izLrqr fd;k gSA
02- mRrjoknh@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa
bl izdkj jgk gS fd mRrjoknh@ifjoknh }kjk vius LokfeRo dh okgu
Vªd dzekad&JH 17 D-2462 dk chek vihykFkhZ@vukosnd ls djk;k Fkk
ftldk ikWfylh dzekad&285301@31@11@6300003631 Fkk tks
fnukad&25-8-2011 ls fnukad&24-08-2012 rd dh vof/k ds fy, FkkA
mRrjoknh@ifjoknh ds LokfeRo dh nl pDdk Vªd ekWMy 2515 Vh- lh-
Vªd dzekad& JH 17 D-2462 VªkaliksfVZax dk;Z ls jk;iqj x;k gqvk Fkk rc
fnukad&23-05-2012 ¼fnukad&22-05-2012 dh njE;kuh jkr ls lqcg 4%00
cts ds e/; vFkkZr~ fnukad&23-05-2012½ dks xks;y dksy lkbfMax vkWfQl
ds ihNs jksM ij ls VªkaliksVZ uxj jkokaHkkBk] jk;iqj ls pksjh gks x;kA
dkQh [kkstchu ds Ik'pkr~ Hkh vklikl esa Vªd dk irk ugha pyus ij
fnukad&29-05-2012 dks mDr ?kVuk dh fjiksVZ [kerjkbZ] Fkkuk jk;iqj esa
ntZ djk;k x;k ftl ij Fkkuk [kerjkbZ }kjk vijk/k dzekad&223@12
// 3 //
iathd`r dj ekeys esa foospuk fd;k x;kA mRrjoknh@ifjoknh }kjk chek
daiuh dks Vªd ds pksjh gks tkus dh lwpuk iznku dh xbZ Fkh rFkk fyf[kr
eas Hkh lwpuk Dyse QkeZ izkIr fd;k x;k Fkk vkSj chek daiuh ds dk;kZy;
}kjk mRrjoknh@ifjoknh ds Vªd ds pksjh gksus dk vUos"k.k djok;k x;k
FkkA mRrjoknh@ifjoknh }kjk Vªd ls lacaf/kr lHkh ewy nLrkost ,oa Vªd
dh pkch vihykFkhZ@vukosnd chek daiuh ds dk;kZy; esa iznk; dj fn;k
x;k FkkA vihykFkhZ@vukosnd chek daiuh ds dk;kZy; ls fnukad&05-06-
2012 dks {ks=h; ifjogu vf/kdkjh] dksjck dks i= fy[kdj
mRrjoknh@ifjoknh ds LokfeRo dh Vªd dzekad& JH 17 D-2462 dks
fnukad&24-05-2012 dks jk;iqj ls pksjh gksus dh rFkk [kerjkbZ iqfyl
LVs'ku jk;iqj esa fjiksVZ ntZ gksus dh lwpuk iznk; dh xbZ Fkh ,oa
vihykFkhZ@vukosnd chek daiuh }kjk mDr laca/k esa viuh daiuh dh
vksj ls fuosnu Hkh fd;k x;k FkkA mRrjoknh@ifjoknh dks chek daiuh ds
dksjck dk;kZy; ls ;g vk'oklu fn;k x;k Fkk fd Vªd dh chek jkf'k
dk Hkqxrku vfr'kh?kz dj fn;k tkosxk fdUrq vihykFkhZ@vukosnd chek
daiuh }kjk foxr 02 o"kksZa ls mRrjoknh@ifjoknh dks ?kqek;k tkrk jgk
vkSj nkok jkf'k dk Hkqxrku ugha fd;k x;k gS tks fd lsok 'krksZa dk
mYya?ku gS vkSj ftlds dkj.k mRrjoknh@ifjoknh dks vkfFkZd ,oa
ekufld {kfr gqbZ gSA mRrjoknh@ifjoknh }kjk vihykFkhZ@vukosnd dks
vius vf/koDrk ds ek/;e ls fnukad&13-11-2013 dks jftLVMZ uksfVl
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vuqrks"k fnykbZ tkosA
03- vihykFkhZ@vukosnd dh vksj ls ftyk Qksje ds le{k fyf[kr
dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd okgu dzekad& JH
17 D-2462 dk chek fnukad&25-08-2011 ls 24-08-2012 rd fd; x;k
// 4 //
FkkA mRrjoknh@ifjoknh }kjk okgu pksjh gksus dh lwpuk nh xbZ Fkh
ijUrq okgu ls lacaf/kr ewy nLrkost ,oa pkch dks iznk; ugha fd;k x;k
Fkk ftl ij vihykFkhZ@vukosnd chek daiuh }kjk fnukad&04-06-2014
dks okgu ds ewy nLrkostksa dks izLrqr djus ds fy, mRrjoknh@ifjoknh
dks i= izsf"kr fd;k x;k Fkk ijUrq mRrjoknh@ifjoknh }kjk okgu ls
lacaf/kr ewy nLrkost] [kkRek fjiksVZ ,oa okgu dh pkch dks vkt frfFk
rd chek daiuh dks iznku ugha fd;k x;k gSA vihykFkhZ@vukosnd }kjk
jkf'k Hkqxrku djus dk dksbZ vk'oklu ugha fn;k x;k FkkA
vihykFkhZ@vukosnd chek daiuh }kjk mRrjoknh@ifjoknh dks okgu ds
ewy nLrkost] [kkRek fjiksVZ] QkeZ&28] 29] 30 ,oa okgu dh pkfc;ka
izLrqr djus ds fy, i= izsf"kr fd;k x;k Fkk ijUrq mRrjoknh@ifjoknh
}kjk mDr nLrkostksa dh iwfrZ ugha fd;s tkus ds dkj.k
mRrjoknh@ifjoknh ds nkos dk fujkdj.k ugha gks ldk gSA
vihykFkhZ@vukosnd chek daiuh }kjk tkap ,oa dk;Zokgh fd;s tkus dk
dksbZ dFku ugha fd;k x;k Fkk vkSj u gh vihykFkhZ@vukosnd }kjk
fdlh izdkj dh lsok 'krksZa dk mYya?ku gh fd;k x;k gSA
mRrjoknh@ifjoknh dks fdlh izdkj dh vkfFkZd ,oa ekufld {kfr gqbZ gS
rks og mRrjoknh@ifjoknh ds Lo;a dh ykijokgh ds dkj.k gqbZ gSA
vihykFkhZ@vukosnd chek daiuh }kjk lsok esa fdlh izdkj dh deh ugha
fd;k x;k gSA mRrjoknh@ifjoknh ds nkok dk fujkdj.k ugha gksus ds
dkj.k ls fdlh izdkj dk okn dkj.k mRiUu ugha gksrk gS vkSj okn dkj.k
ds vHkko esa izdj.k pyus ;ksX; ugha gSA lacaf/kr okgu Fkkuk /kerjh esa
tCr dj fy;k x;k gS ftl laca/k esa vUos"kd }kjk viuk vfHker fn;k
x;k gSA vr% mRrjoknh@ifjoknh dk ifjokn lO;; fujLr fd;k tkosA
04- mRrjoknh@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje
ds le{k eky ;ku vuqKki= (Annexure P-1)] QkeZ&38 (Annexure P-2)]
lfVZfQdsV vkWQ jftLVsª'ku (Annexure P-3)] okgu esaVusal lacaf/kr
// 5 //
nLrkost (Annexure P-4)] lfVZfQdsV vkWQ ba';ksjsal (Annexure P-5 to 7)]
izFke lwpuk izfrosnu fnukad&29-05-2012 (Annexure P-8)] ba';ksjsal daiuh
}kjk 'kk[kk izca/kd dks izsf"kr i= fnukad&05-06-2012 (Annexure P-9)]
'kk[kk izca/kd }kjk {ks=h; ifjogu vf/kdkjh] dksjck dks izsf"kr i=
fnukad&05-06-2012 (Annexure P-10) dh QksVks dkih] iksLVy jlhn
fnukad&14-11-2014 (Annexure P-11) dk vly rFkk vf/koDrk uksfVl
fnukad&05-11-2014 (Annexure P-12) dh QksVks dkih izLrqr fd;k gSA
05- vihykFkhZ@vukosnd dh vksj ls vius i{k leFkZu esa ftyk Qksje
ds le{k vf/koDrk uksfVl dk tokc fnukad&23-02-2015 (Annexure D-1)
rFkk losZ;j }kjk nh xbZ tkap fjiksVZ fnukad&21-04-2014 (Annexure D-2)
dh QksVks dkih izLrqr fd;k gSA
06- ftyk Qksje us mHk;i{k }kjk izLrqr vfHkopu ,oa nLrkosth lk{;
ds ifj'khyu ds Ik'pkr~ mRrjoknh@ifjoknh ds ifjokn dks Lohdkj djrs
gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS] ftlds
fo:} ;g vihy gSA
07- vihykFkhZ@vukosnd dh vksj ls milatkr gksus okys fo)ku
vf/koDrk Jh jru iqf"V dk ;g rdZ gS fd ftyk Qksje dk vkns'k
=qfViw.kZ gSA mRrjoknh@ifjoknh }kjk tc foyac ls lwpuk izkIr gqvk rc
mRrjoknh@ifjoknh ls okgu dk ewy nLrkost] [kkRek fjiksVZ] QkeZ&28]
29 ,oa 30 rFkk okgu dh pkfc;ka nsus ds fy, dgk x;k ijUrq
mRrjoknh@ifjoknh }kjk u rks nLrkost izLrqr fd;k x;k vkSj u gh
pkch lkSaik x;kA mRrjoknh@ifjoknh ds vuqlkj ?kVuk fnukad&22@23-
05-2012 dh njE;kuh jkr dks ?kfVr gqbZ Fkh vkSj bl pksjh dh ?kVuk dh
lwpuk lacaf/kr Fkkus esa fnukad&29-05-2012 dks yxHkx 07 fnu ckn ntZ
djkbZ xbZ Fkh vkSj vihykFkhZ@vukosnd chek daiuh dks fnukad&05-06-
// 6 //
2012 dks yxHkx 13&14 fnu ckn lwpuk nh xbZ gSA bl izdkj
mRrjoknh@ifjoknh }kjk chek 'krksZa dk mYya?ku fd;k x;k gS rFkk izFke
lwpuk&i= ds ifj'khyu ls Li"V gS fd okgu ds pkyd us okgu dks
vlqjf{kr :Ik ls NksM+k Fkk vkSj vukf/kd`r O;fDr dks pkch nsdj okgu
dks NksM+dj pyk x;k Fkk tks fd chek 'krksZa dk mYya?ku gS] ijUrq ftyk
Qksje us bu rF;ksa dks /;ku fn, fcuk gh vkyksP; vkns'k ikfjr fd;k gSA
ftyk Qksje dk vkns'k =qfViw.kZ GSA vr% vihykFkhZ@vukosnd dh vihy
Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr
fd;k tkosA
08- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okys fo)ku
vf/koDrk Jh egsUnz dqekj vxzoky dk ;g rdZ gS fd ftyk Qksje dk
vkns'k iw.kZr% fof/k lEer ikfjr vkns'k gSA MªkbZOgj us tSls gh pksjh dh
?kVuk dh lwpuk mRrjoknh@ifjoknh dks fn;k Fkk mlus rRdky Fkkus esa
lwpuk fn;k Fkk vkSj chek daiuh dks Hkh ekSf[kd :Ik ls crk fn;k FkkA
okgu dh ryk'k djrs jgs] tc okgu ugha feyk rc izFke lwpuk&i=
ntZ djk;k FkkA vihykFkhZ@vukosnd chek daiuh dks lwpuk nsus esa dksbZ
foyac dkfjr ugha fd;k x;k gS vkSj u gh mRrjoknh@ifjoknh us fdlh
chek 'krksZa dk mYya?ku fd;k gSA chek djrs le; okgu dk chfer ewY;
5]00]000@&¼ikap yk[k :Ik;s½ Fkk vkSj ftyk Qksje us mDr jkf'k
mRrjoknh@ifjoknh dks fnyk;k gSA ftyk Qksje ds vkns'k esa fdlh
izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gSA vr%
vihykFkhZ@vukosnd dh vihy fujLr fd;k tkos vkSj ftyk Qksje }kjk
ikfjr vkyksP; vkns'k ;Fkkor~ j[kk tkosA
09- geus mHk;i{k ds fo)ku vf/koDrkx.k dk rdZ Jo.k fd;k rFkk
ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;kA
// 7 //
10- mRrjoknh@ifjoknh us vius ifjokn&i= esa ;g vfHkopu fd;k gS
fd og 10 pDdk Vªd ekWMy 2515 Vh- lh- Vªd dzekad&JH 17 D-2462 dk
iathd`r Lokeh gS ftldh iqf"V lfVZfQdsV vkWQ jftLVªs'ku rFkk ba';ksjsal
ikWfylh ls gksrk gS vkSj bl izdkj ;g Li"V gS fd mDr okgu
dzekad&ts- ,p- 17 Mh@2462 dk mRrjoknh@ifjoknh Lokeh Fkk vkSj
mDr okgu vihykFkhZ@vukosnd ds ikl fnukad&25-08-2011 ls ysdj
fnukad&25-08-2012 dh vof/k ds fy, chfer FkkA mRrjoknh@ifjoknh ds
vuqlkj pksjh dh ?kVuk fnukad&22@23-05-2012 dh njE;kuh jkr dks
gqvk gSA bl izdkj tc pksjh dh ?kVuk gqvk] ml le; okgu
vihykFkhZ@vukosnd ds ikl chfer FkkA
11- mRrjoknh@ifjoknh dh vksj ls izFke lwpuk&i= izn'kZ ih&8
izLrqr fd;k gSA izFke lwpuk&i= esa Hkh ?kVuk dh fnukad&22@23-05-
2012 dh njE;kuh jkr crk;k x;k gS vkSj Fkkus esa lwpuk nsus dh
frfFk&29-05-2012 gSA bl izdkj ?kVuk ds 06 fnu ckn Fkkus esa fjiksVZ
ntZ djk;k x;k gS rFkk chek daiuh dks izFke ckj fnukad&05-06-2012 dks
fyf[kr lwpuk fn;k x;k gSA bl izdkj ?kVuk dh fjiksVZ 06 fnu ckn ,oa
chek daiuh dks ?kVuk dh lwpuk yxHkx 12 fnu ckn izsf"kr fd;k x;k
gSA
12. Revision Petition No.1782 of 2015 - Siddhanth Yadav vs Oriental
Insurance Company Limited, decided by Hon'ble National Commission on
30.07.2015, esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS
fd%&
"9. We find that the District Forum has extensively dealt with the
issue regarding the delay in the petitioner informing the respondent in
their order as reproduced in paragraph 4 above. The State Commission in their order have also exhaustively dealt with the contention of the counsel that in view of the IRDA circular dated // 8 // 20.09.2011 the respondent should not have repudiated the claim on the ground of delay alone unless the reasons for delay are specifically ascertained and the insurers have satisfied themselves that the delayed claims would otherwise have been rejected even if reported on time. The State Commission held that this circular was merely an advisory to the insurance companies. It will not overwrite a specific condition mentioned in the policy. Unless the insurance companies incorporate the changes in the policy document, delay will be settled to a claim of theft of vehicle as per the existing terms and conditions of the policy.
10. We find that the Petitioner has nowhere explained the reasons for the delay in informing the respondent by giving a written notice regarding the theft of the vehicle to the respondent as per the terms and conditions of the policy."
13. Revision Petition No.3548 - 3549 of 2013 - Ramesh Chandra vs. I.C.I.C.I. Lombard General Insurance Company Limited and another, decided by Hon'ble National Commission on 13.01.2014, esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "8. It is contended by learned counsel for the petitioner that the State Commission has committed a grave error in failing to appreciate that during police investigation, one Akbar was arrested who confessed that he had stolen the truck. As such, there can be no doubt about the correctness of the story of the theft of the truck. This factor, in our view, is of no avail to the petitioner particularly when he has violated the terms and conditions of the insurance policy by failing to report the theft to the police as well as the insurance company within a reasonable time. Even the judgment of the Supreme Court in the matter of Amalendu Sahoo Vs. Oriental Insurance Co. Ltd. II (2010) CPJ 9 (SC) is of no avail to the petitioner for the reason that aforesaid judgment is based on its own peculiar // 9 // facts. In that case, the vehicle insured was a personal vehicle but it was used for hire which according to the insurance company was violative of the terms and conditions of the policy. The aforesaid misuser which was subject matter of the Amalendu Sahoo's case had no casual link to the theft. However, in the instant case, the violation committed by the petitioner is grave because by failing to intimate the theft to the police and the insurance company, the petitioner has prevented those authorities from taking prompt action to locate and recover the truck."
14. Jaspal Kaur & Anr. vs. New India Assurance Company Limited, II (2015) CPJ 727 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "3. We are of the considered view that the order passed by the State Commission cannot be faulted. The Apex Court in Oriental Insurance Co. Ltd. v. Parvesh Chander Chadha, Civil Appeal No.6739, decided on 17.08.2010, was pleased to hold :
"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 give 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 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 impossible to fathom any reason why the // 10 // 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."
4. Again this Commission in the case of New India Assurance Co. Ltd. vs. Trilochan Jane, IV (2012) CPJ 441 (NC) = in First Appeal No.321 of 2005, decided on 09.12.2009 took the same view and discussed the word immediately :
"As per Strouds Judicial Dictionary, Fifth Edition, word immediately is defined as under :
(1) The word immediately, although in strictness it excludes all mean times, yet to make good the deeds and intents of parties it shall be construed such convenient time as is reasonable requisite for doing the thing.
As per Black's Law Dictionary, Sixth Edition, word immediately means :
Immediately. Without interval of time, without delay, straightaway, or without any delay or lapse of time. When used in contract is usually construed to mean within a reasonable time having due regard to the nature of the // 11 // circumstances of the case, although strictly, it means, not deferred by any period of time. The words immediately and forthwith have generally the same meaning. They are stronger than the expression within a reasonable time and imply prompt, vigorous action without any delay."
Halsbury's Laws of England, 4th Ed., Vol. 23, para 1618, p. 1178 where it meant immediately is to be construed as meaning with all reasonable speed, considering the circumstances of the case.
The word immediately is stronger than the expression within a reasonable time. It was held that compensation on non-standard basis cannot be granted. The case of National Insurance Company Limited v. Nitin Khandelwal, reported in IV (2008) CPJ 1 (SC) = (2008) 11 SCC 256, was also discussed."
15. Shriram General Insurance Co. Ltd. & Anr. vs. Gurshinder Singh & Anr., II (2015) CPJ 750 (NC); esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "6. Admittedly, there is delay of 52 days in intimation to Insurance Company. Learned Counsel for the petitioner placed reliance on judgment of this Commission in IV (2012) CPJ 441 (NC), New India Assurance Co. Ltd. v. Trilochan Jane, in which on account of delay of 2 days in lodging FIR and delay of 9 days in intimation to Insurance Company regarding theft of vehicle, claim of complainant was dismissed. He has also placed reliance on I (2014) CPJ 29 (NC), New India Assurance Co. Ltd. vs. Ram Avtar, in which claim was dismissed on account of delay of 35 days in intimation to Insurance Company regarding theft of vehicle, though, FIR was lodged on the same day. He also placed reliance on judgment of Apex Court in C.A. No.6739 of 2010, Oriental Insurance Co. Ltd. v. Parvesh Chander Chadha, in which orders of Fora below including National Commission were set aside and complaint was dismissed as vehicle // 12 // was stolen between 18.1.1995 to 20.1.1995 and FIR was lodged on 20.1.1995, but intimation to Insurance Co. was given on 22.5.1995. In the aforesaid case, it was also observed that complainant was duty- bound to inform about theft of the vehicle to the Insurance Company immediately after the incident.
7. In the light of aforesaid judgments, it becomes clear that on account of delay of 52 days in intimation to Insurance Company regarding theft of insured vehicle, OP has not committed any deficiency in repudiating claim and learned District Forum committed error in allowing complaint and learned State Commission further committed error in dismissing appeal."
16. Sarfarjudeen v. New India Assurance Co. Ltd., I (2015) CPJ 748 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "5. We do not find any infirmity in the impugned order, which would justify our interference with it. The petitioner has not placed any material before us to take a different view. We, therefore, do not find any substance in the revision petition, which is liable for dismissal. While on the subject we would like to mention that in addition to what is observed by the State Commission, we may note that there was delay of four days in lodging FIR and admittedly, the intimation about the information of theft was sent to the Insurance Company after a month of the theft. The terms of the policy require immediate action in such cases and as per settled law, such delay in the case of theft would result in outright repudiation of the claim because delay in lodging the FIR or intimating the Insurance Company would be disastrous to the interests of the Insurance Company and the same constitutes violation of a fundamental condition of the insurance contract. On this count also we are convinced that the claim of the petitioner was liable for repudiation. In view of above, the revision petition is dismissed but with no order as to costs."
// 13 //
17. Shriram General Insurance Co. Ltd. vs. Mahender Jat, I (2015) CPJ 74 (NC); esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "17. We have considered the rival contentions. Hon'ble Supreme Court in the matter of Oriental Insurance Co. Ltd. vs. Parvesh Chander Chadha (supra) dismissed the complaint holding that in terms of the policy issued by the insurance policy, the insured was duty bound to inform about the theft of the vehicle immediately after the accident. Delay in intimation deprives the insurance company of its legitimate right to get enquiry conducted into the alleged theft of vehicle and make an endeavour to recover the same. It was further held that the insurance company could not be saddled with the liability to pay the compensation to the insured despite the fact that he has not complied with the terms of the policy. Relevant observations of the Supreme Court read as under :-
"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 10.9.1995 was given to the said Shri Rajinder Singh Pawar, but this explanation 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 impossible, 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 // 14 // incident. In terms of the policy issued by the appellant, the respondent was duty bound to inform 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 edeavour 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 saddled with the liability to pay compensation to the respondent despite the fact that he had not complied with the terms of the policy."
18. The said judgment has been followed by Coordinate Bench of this Commission in the matter of Dharambir v. Oriental Insurance Co. Ltd. (supra). From this it is evident that the issue raised in this revision petition is no more res integra. Admittedly the intimation of theft was given to the Insurance Company 21 days after the theft. Thus, finding of the State Commission allowing the claim by the respondent is not justified."
18. Kulwant Singh vs. The Managing Director, United India Insurance Co. Ltd. & Others, 2015 (1) CLT 106, esa ekuuh; jk"Vªh;
vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "in terms of 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. It is further observed that such a delay can be fatal as within three days the vehicle could have been driven long distance even across the border of the country or could have been dismantled and sold to the scrap dealer. Thus, by delaying the information of theft to // 15 // the police, the petitioner insured had acted against the interest of the insurer and this violation of condition is fundamental to the loss caused which justifies the repudiation of claim by the respondent Insurance Company."
19- mijksDr U;k; n`"Vkarksa ds ifjizs{; esa Li"V gS fd mRrjoknh@ifjoknh }kjk ?kVuk dh izFke lwpuk&i= foyac ls ntZ djk;k gS rFkk chek daiuh dks Hkh vR;f/kd foyac ls lwpuk fn;k x;k gS tks fd chek 'krksZa dk mYya?ku gS vkSj bl vk/kkj ij vihykFkhZ@vukosnd us nkos dks vLohdkj fd;k gS rks mlesa fdlh izdkj dh lsok esa deh gksuk ugha ekuk tk ldrk gSA 20- vihykFkhZ@vukosnd dh vksj ls ;g Hkh vk{ksi fd;k x;k gS fd mRrjoknh@ifjoknh us okgu dks vlqjf{kr NksM+k Fkk rFkk mRrjoknh@ifjoknh }kjk okgu dh nksuksa pkfc;ka vihykFkhZ@vukosnd dks ugha lkSaik x;k gS tks Hkh chek 'krksZa dk mYya?ku gSA 21- izFke lwpuk&i= izn'kZ ih&8 pkyd vorkj flax }kjk ntZ djk;k x;k gSA izFke lwpuk&i= esa ;g crk;k x;k gS fd **fnukad&20-05-2012 dks okgu yksM gqvk rks eSa yksM dj fHkykbZ pyk x;kA okgu [kkyh dj fnukad&22-05-2012 'kke 4%00 cts dks okil jkaokHkkBk] jk;iqj esa Vªd dzekad&JH 17 D-2462 dks VªkaliksVZ uxj] xks;y dksy lkbZfuax vkfQl ds ihNs jksM ij [kM+k fd;kA okgu dk pkch VªkaliksVZ dk dke djus okyk cyoar dks nsdj eSa vius fuokl jkf= esa 8%00 cts [kqlhZikj fHkykbZ pyk x;kA** bl izdkj izFke lwpuk&i= ds ifj'khyu ls Li"V gS fd pkyd us okgu dh pkch dks vukf/kd`r O;fDr dks lkSaik Fkk vkSj bl izdkj mlus fuf'pr :Ik ls okgu dks vlqjf{kr :Ik ls NksM+k FkkA pkyd dk ;g drZO; Fkk fd og okgu dh pkch vius ikl lqjf{kr j[krk rFkk // 16 // cyoar dk mRrjoknh@ifjoknh ls D;k laca/k gS] bl ckor~ dksbZ lk{; ugha gSA
22. National Insurance Co. Ltd. Vs. Ram Singh Gurjar I (2016) CPJ 209 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Complainant left ignition keys in vehicle along with four unknown persons while going for easing. Violation of condition of policy for not taking reasonable steps to safeguard vehicle. Repudiation justified."
23. Ramadhar Singh Vs. Universal Shampi General Insurance Co. Ltd. & Ors. II (2015) CPJ 398 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Contention, all farmers generally "always leave their tractor on agricultural field and go to have meal" not accepted. Violation of Policy conditions established. Repudiation justified."
24. Oriental Insurance Co. Ltd. Vs. K.K. Valsalan III (2014) CPJ 201 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Driver was under obligation to take ignition key of vehicle with him while going to nearest hotel. Both ignition keys were left in vehicle which amounts to negligence on part of driver and it can be inferred that driver left vehicle unattended without proper precaution. Theory of theft of vehicle is suspicious. Repudiation justified."
25. Jagdish Parshad Vs. ICICI Lombard Gen. Insurance Co. Ltd. II (2013) CPJ 578 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& // 17 // "Negligence on part of complainant by leaving his vehicle unattended and unlocked is sufficient to hold that there is violation of terms and conditions of policy. Petitioner nowhere denied that keys were left in vehicle. Vehicle was not snatched forcibly. Insured had not informed Insurance Company immediately about alleged theft. Impugned order upheld."
26- bl izdkj ;g Li"V gS fd pkyd }kjk okgu dks leqfpr lko/kkuh ds lkFk ugha j[kk x;k Fkk vkSj vukf/kd`r O;fDr dks pkch lkSaik Fkk vkSj ,slh fLFkfr esa ;g ekuk tkosxk fd pkyd us okgu dks vlqjf{kr voLFkk esa NksM+ fn;k FkkA 27- vihykFkhZ@vukosnd dh vksj ls ;g crkus dk iz;kl fd;k x;k gS fd mRrjoknh@ifjoknh }kjk nksuksa pkfc;ka] [kkRek izfrosnu ,oa QkeZ&28] 29 ,oa 30 izLrqr ugha fd;k FkkA bl laca/k esa mRrjoknh@ifjoknh }kjk dksbZ lk{; izLrqr ugha fd;k x;k gS fd mlds }kjk [kkRek izfrosnu vkSj pkch vihykFkhZ@vukosnd dks lkSaik x;k FkkA tc pkyd dk cyoar flax ls ifjp; Fkk rks mDr pkch mlls izkIr dj chek daiuh dks lkSaik tkuk Fkk ijUrq pkch lkSaik ugha x;k gS tks fd chek 'krksZa dk mYya?ku gSA 28- mijksDr foospuk ds ifjizs{; esa bl izdj.k esa mRrjoknh@ifjoknh }kjk ?kVuk dh fjiksVZ vR;f/kd foyac ls ntZ djk;k x;k rFkk chek daiuh dks Hkh foyac ls lwpuk fn;k x;k vkSj okgu dks vlqjf{kr NksM+k x;k Fkk vkSj ;gka rd fd nLrkost Hkh chek daiuh dks iznku ugha fd;k x;k gS vkSj ,slh fLFkfr esa mRrjoknh@ifjoknh }kjk chek 'krksZa dk mYya?ku fd;k x;k gS rFkk chek daiuh }kjk ;fn nkos dk Hkqxrku ugha fd;k x;k gS rks mlesa fdlh izdkj ls lsok esa deh ugha fd;k x;k gSA // 18 // 29- mijksDr foospuk ds ifjizs{; esa ftyk Qksje }kjk ikfjr vkyksP; vkns'k fLFkj j[ks tkus ;ksX; ugha gS vkSj mRrjoknh@ifjoknh fdlh izdkj dh {kfriwfrZ ikus dk vf/kdkjh ugha gSA 30- vr% vihykFkhZ@vukosnd dh vksj ls izLrqr vihy Lohdkj fd;k tkrk gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&16-10-2015 vikLr fd;k tkrk gSA ifj.kker% ifjokn fujLr fd;k tkrk gSA bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼U;k;ewfrZ vkj- ,l- 'kekZ½ ¼lqJh fguk BDdj½ ¼Mh- ds- iksn~nkj½ ¼ujsanz xqIrk½ v/;{k lnL;k lnL; lnL;
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