State Consumer Disputes Redressal Commission
The Oriental Insurace Co.Ltd. vs Umesh Kumar Tiwari on 7 August, 2015
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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh ih- ds- ikWy] vf/koDrkA mRrjoknh dh vksj ls Jh lquhy lksuh] vf/koDrkA vkns'k fnukad% 07@08@2015 }kjk%&ekuuh; U;k;ewfrZ 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] tkatxhj&pkaik ¼N0x0½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&12@2014 mes'k dqekj frokjh fo:) 'kk[kk izca/kd] fn vksfj;saVy ba';ksjsal daiuh fyfeVsM esa ikfjr vkns'k fnukad&17-10-2014 ftlds }kjk mRrjoknh@ifjoknh ds ifjokn dks Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%& // 2 // **v- vukosnd chek daiuh] vkosnd dks vkns'k fnukad ls ,d ekg ds Hkhrj chek nkos dh jkf'k 4]50]000@&¼pkj yk[k ipkl gtkj :Ik;s½ vnk djsxk rFkk blesa pwd dh n'kk esa mDr jde ij rkvnk;xh 09 izfr'kr okf"kZd dh nj ls C;kt Hkh vnk djsxkA c- vukosnd chek daiuh] vkosnd dks {kfriwfrZ ds :Ik esa 30]000@&¼rhl gtkj :Ik;s½ dh jkf'k Hkh vnk djsxkA l- vukosnd chek daiuh] vkosnd dks okn O;; ds :Ik esa 3]000@&¼rhu gtkj :Ik;s½ dh jkf'k Hkh vnk djsxkA** 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 us LdkfiZ;ks okgu dz- lh-th- 11 bZ@0150 egsUnzk ,.M egsUnzk daiuh ls 7]34]000@&¼lkr yk[k pkSarhl gtkj :Ik;s½ esa dz; fd;k Fkk ftldk chek vihykFkhZ@vukosnd chek daiuh ls djk;k x;k Fkk ftldk ikWfylh dz-&192490@31@ 2012@1933 ,oa dOgj uksV dz-&192490111972 gSA mRrjoknh@ifjoknh ds mDr okgu dks fnukad&07-06-2012 dks okgu pkyd 'kjnfxjh xksLokeh mRrjoknh@ifjoknh ds ?kjsyw dk;Z ls jk;iqj tk jgk Fkk rc cSryiqj xkao ds ikl fLFkr <kck ls dqN vkxs 04 yksxksa us xkM+h dks jksddj 'kjnfxjh xksLokeh dks csgks'k dj taxy esa Qsad dj okgu dks ywVdj Qjkj gks x;s ftl ij okgu pkyd 'kjnfxjh xksLokeh }kjk vKkr yksxksa ds f[kykQ /kkjk&365] 394 Hkk- n- fo- ds varxZr vijk/k iathc} djk;k Fkk ftldk vijk/k dz- 97@12 gS ftl ij iqfyl us dk;Zokgh djrs gq, 04 O;fDr;ksa izHkkdj xaoMj] vfuy ;kno] eukst flag ,oa izhre flag ds fo:) vkjksi i= U;k;ky; esa is'k fd;k Fkk tks fd eq[; U;kf;d eftLVªsV] eaqxsyh ds U;k;ky; esa nk- iz- dz- 590@12 ds :Ik esa ntZ gqvk Fkk vkSj ftl ij fnukad&28-01-2014 dks fu.kZ; ikfjr // 3 // djrs gq, vfHk;qDr izHkkdj ,oa vfuy ;kno dks lansg dk ykHk nsrs gq, nks"keqDr dj fn;k rFkk LdkfiZ;ks okgu dz- lh-th- 11 bZ@0150 ds vkj- lh- cqd dk fujkdj.k vfHk;qDr eukst ,oa izhre tks Qjkj Fks] izdj.k dk vafre fujkdj.k djrs gq, fujkd`r fd;s tkus rFkk vihy gksus dh n'kk esa vihyh; U;k;ky; ds vkns'kkuqlkj fujkd`r fd;s tkus] fujkdj.k fd;kA mRrjoknh@ifjoknh }kjk vihykFkhZ@vukosnd ls {kfriwfrZ ikus gsrq nkok is'k fd;k x;k ,oa vihykFkhZ@vukosnd }kjk fofHkUu nLrkostksa dks ekaxs tkus ij izLrqr fd;k x;k fdUrq vkt fnukad rd vihykFkhZ@vukosnd }kjk {kfriwfrZ nkok dk Hkqxrku ugha fd;k x;k gS ftlds dkj.k mRrjoknh@ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 03- vihykFkhZ@vukosnd }kjk fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd mRrjoknh@ifjoknh dh vksj ls rFkkdfFkr nq?kZVuk ,oa eq[; U;kf;d eftLVªsV lk- eqaxsyh ds vkns'k dh izfr bl Qksje ds le{k izLrqr ugha fd;k x;k vkSj u gh vihykFkhZ@vukosnd dks iznku dh xbZ gS ftlls mDr vkns'k laca/kh dFku dks lR; eku fy;k tkosA ;fn fdUgha dkj.kksa ls vkjksfi;ksa dks vkjksi ls cjh dj fn;k x;k gS vkSj mRrjoknh@ifjoknh ,sls vkns'k ls {kqC/k gS rks mls vihy djus dk vf/kdkj Fkk ijUrq mRrjoknh@ifjoknh }kjk fdlh izdkj dh U;kf;d dk;Zokgh ugha dh xbZ gS tks fd mRrjoknh@ifjoknh dh ykijokgh dks nf'kZr djrk gSA vihykFkhZ@vukosnd }kjk mRrjoknh@ifjoknh ls iqfyl v/kh{kd dk [kkRek fjiksVZ] eq[; U;kf;d eftLVsªV dk [kkRek fjiksVZ ,oa vU; nLrkostksa dh ekax dh xbZ ftls mRrjoknh@ifjoknh }kjk miyC/k ugha djk;k x;k gS bl dkj.k mRrjoknh@ifjoknh dksbZ jkf'k ikus dk vf/kdkjh ugha gSA mRrjoknh@ifjoknh ds okgu pkyd ds ikl oS/k MªkbZfoax ykbZlsal ugha Fkk ftlds dkj.k mRrjoknh@ifjoknh fdlh izdkj dk vuqrks"k ikus dk vf/kdkjh ugha gSA mRrjoknh@ifjoknh dks // 4 // vihykFkhZ@vukosnd }kjk fnukad&30-01-2013] 15-03-2013] 24-05-2013] 28-06-2013 ,oa 21-08-2013 dks i= ds ek/;e ls nLrkostksa dks miyC/k djkus dh ekax dh xbZ ijUrq mRrjoknh@ifjoknh }kjk nLrkost miyC/k ugha djk;k x;k ftlds dkj.k mRrjoknh@ifjoknh fdlh izdkj dk vuqrks"k ikus dk vf/kdkjh ugha gSA vr% mRrjoknh@ifjoknh dk ifjokn fujLr fd;k tkosA 04- mRrjoknh@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k mRrjoknh@ifjoknh }kjk vihykFkhZ@vukosnd dks okgu pksjh gksus dh lwpuk fnukad&09-06-2012] vihykFkhZ@vukosnd }kjk mRrjoknh@ifjoknh dks izsf"kr i= fnukad&15-03-2013] 05-01-2012] 30- 01-2013] mRrjoknh@ifjoknh }kjk vihykFkhZ@vukosnd dks izsf"kr i= fnukad&11-02-2013] chek ikWfylh] dk;kZy; iqfyl v/kh{kd] fcykliqj }kjk mRrjoknh@ifjoknh dks izsf"kr i= fnukad&28-01-2013] izFke lwpuk izfrosnu fnukad&12-06-2012] mRrjoknh@ifjoknh }kjk ftyk ifjogu vf/kdkjh] ftyk tkatxhj&pkaik dks okgu pksjh dh lwpuk fnukad&31-07- 2012] vkWVks lsaVj dk VSDl buokbZl fnukad&21-01-2010 rFkk lfVZfQdsV vkWQ jftLVªs'ku dh QksVks dkih izLrqr fd;k gSA 05- vihykFkhZ@vukosnd dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k vihykFkhZ@vukosnd }kjk mRrjoknh@ifjoknh dks izsf"kr i= fnukad&21-08-2013] 28-06-2013 rFkk 24-05-2013 dh QksVks dkih izLrqr fd;k gSA 06- ftyk Qksje us mHk;i{k }kjk izLrqr vfHkopu ,oa nLrkosth lk{; ds ifj'khyu 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 // 5 // 07- vihykFkhZ@vukosnd dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh ih- ds- ikWy dk ;g rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% fof/k foijhr gS rFkk fof/kd izko/kkuksa dks vuns[kk dj ikfjr vkns'k gSA mRrjoknh@ifjoknh us ?kVuk dh fjiksVZ yxHkx 05 fnu ckn ntZ djk;k Fkk vkSj vihykFkhZ@vukosnd ba';ksjsal daiuh dks foyac ls lwpuk fn;k Fkk vkSj okgu dks <kcs ds ikl vlqjf{kr NksM+ fn;k Fkk rFkk dsoy ,d gh pkch lkSaik Fkk rFkk vihykFkhZ@vukosnd ba';ksjsal daiuh }kjk [kkRek izfrosnu ,oa vU; lqlaxr nLrkost ekaxs tkus ds ckn Hkh izLrqr ugha fd;k x;k gS rFkk okgu dk D;k gqvk] tIrh gqvk ;k ugha] bl laca/k esa dksbZ tkudkjh mRrjoknh@ifjoknh }kjk ugha fn;k x;k gSA vihykFkhZ@ vukosnd ba';ksjsal daiuh }kjk mRrjoknh@ifjoknh ds nkos dk fujkdj.k gh ugha fd;k x;k gS vkSj mDr fujkdj.k mRrjoknh@ifjoknh }kjk nLrkost izLrqr ugha djus ds dkj.k ugha fd;k tk ldk gSA ;gka rd fd mRrjoknh@ifjoknh us ysVj vkWQ lczksxs'ku Hkh izLrqr ugha fd;k gS vkSj ,slh fLFkfr esa vihykFkhZ@vukosnd dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje dk vkns'k vikLr fd;k tkos ;k fQj mRrjoknh@ifjoknh dks funsZf'kr djrs gq, fd og lqlaxr nLrkost iznku djs] izdj.k ftyk Qksje dks izfrizsf"kr fd;k tkosA vihykFkhZ@vukosnd dh vkjs ls bl laca/k esa Kulwant Singh Vs. United India Insurance Co. Ltd. IV (2014) CPJ 350 (NC), Kailash chandrakant Bhalerao & Anr. Vs. I.C.I.C.I. Lombard Insurance Company Limited III (2015) CPJ 128 (NC), Oriental Insuracne Co. Ltd. Vs. Shyam Sunder II (2014) CPJ 567 (NC) ,oa Iffco- Tokio General Insurance Co. Ltd. Vs. Beena Raghav III (2015) CPJ 75 (NC) dk voyacu fy;k gSA 08- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh lquhy lksuh dk ;g rdZ gS fd okgu dks pksjh dj ugha ys x, Fks vfirq tc mRrjoknh@ifjoknh ds okgu pkyd 'kjn fxjh xksLokeh // 6 // }kjk okgu dks ys tk;k tk jgk Fkk rc jkLrs esa ywV dkfjr dh xbZ FkhA okgu pkyd dks u'khyh nokbZ fiykbZ xbZ Fkh vkSj gks'k vkus ds ckn mlus mRrjoknh@ifjoknh dks lwpuk fn;k vkSj ?kVuk dh fjiksVZ Fkkus esa djkbZ xbZ Fkh rFkk mRrjoknh@ifjoknh }kjk le; ij gh chek diauh dks lwpuk fn;k x;k Fkk rFkk lacaf/kr Fkkuk }kjk eq[; U;kf;d eftLVªsV eqaxsyh ds U;k;ky; esa izHkkdj xoaMj ,oa vfuy ds fo:} pkyku is'k fd;k x;k Fkk rFkk izhre flag vkSj eukst flag dks Qjkj crk;k x;k Fkk vkSj ,l- ih- ds izfrosnu ls Li"V gS fd LdkfiZ;ks okgu dz-lh-th- 11 bZ 0150 cjken ugha fd;k x;k gS vkSj ;g Hkh crk;k x;k Fkk fd muds fo:} iwjd pkyku U;k;ky; esa is'k fd;k tkosxkA ,slh fLFkfr esa dsoy vihykFkhZ@vukosnd ba';ksjsal daiuh }kjk mRrjoknh@ifjoknh ls [kkRek izfrosnu ekax fd;k tkuk =qfViw.kZ gS tcfd mRrjoknh@ifjoknh }kjk iqfyl v/kh{kd] fcykliqj }kjk izsf"kr i= fnukad&28-01-2013] izFke lwpuk&i=] vihykFkhZ@vukosnd ba';ksjasl daiuh dks fn;k x;k Fkk mlds ckn Hkh nkos dk fujkdj.k ugha fd;k tkuk lsok esa deh dks n'kkZrk gS vkSj ftyk Qksje us tks vkns'k ikfjr fd;k gS og iw.kZr% mfpr gSA vr% vihykFkhZ@ vukosnd dh vihy lkjghu gksus ls fujLr fd;k tkosA 09- geus mHk;i{k ds fo)ku vf/koDrkx.k dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k dk Hkh ifj'khyu fd;k x;kA 10- vihykFkhZ@vukosnd ba';ksjsal daiuh us Kulwant Singh Vs. United India Insurance Co. Ltd. (Supra) vkSj Kailash chandrakant Bhalerao & Anr. Vs. I.C.I.C.I. Lombard Insurance Company Limited (Supra) laaca/kh tks U;k; n`"Vkar izLrqr fd;k gS og pksjh ls lacaf/kr gS vkSj mlesa fjiksVZ 3&4 fnu foyac ls ntZ djk;k x;k Fkk tks ekuuh; jk"Vªh; vk;ksx }kjk fu/kkZfjr fd;k x;k gS fd foyac ?kkrd gS vkSj ifjoknh }kjk 'krZ ,oa // 7 // fu;eksa dk mYya?ku fd;k x;k gS vkSj ifjoknh dk ifjokn fujLr fd;k x;k Fkk rFkk Oriental Insuracne Co. Ltd. Vs. Shyam Sunder (Supra) okyk tks U;k; n`"Vkar gS mlesa ,d gh pkch lkSaik x;k Fkk vkSj xkM+h dks ikdZ ugha fd;s tkus ls laacaf/kr Fkk vkSj ftlds vk/kkj ij nkos dks vLohdkj fd;k x;k FkkA 11- bl izdj.k ds rF; mijksDr U;k; n`"Vkarksa ds rF; ls iw.kZr% fHkUu gSA bl izdj.k esa iqfyl v/kh{kd] fcykliqj }kjk iq-v-@fcyk@,lh&1@ 592&,@2012] fnukad&28-01-2013 dk i= mRrjoknh@ifjoknh dks fy[kk gSA bl i= esa Li"V :Ik ls mYysf[kr gS fd LdkfiZ;ks dzekad&lh-th- 11 bZ@0150 dks ysdj pkyd 'kjn fxjh xksLokeh pkaik ls jk;iqj tk jgk Fkk rks cSryiqj ds ikl djhc 9 cts jkt dks jk;iqj jksM esa 3&4 vKkr yksx okgu dks tcju jksddj izkFkhZ dks vigj.k dj QsaVk esa u'khyh nokbZ fiykdj csgks'k dj fn;s vkSj vkjax ds taxy esa izkFkhZ ds eksckbZy eksckbZy rFkk uxnh 700@&¼lkr lkS :Ik;s½ ,oa mDr LdkfiZ;ks dher& 4]50]000@&¼pkj yk[k ipkl gtkj :Ik;s½ ywVdj Hkkx x,A izkFkhZ dh fjiksVZ ij vijk/k /kkjk&365] 394 Hkk-n-la- dk vijk/k iathc} dj foospuk esa fy;k x;k] nkSjku foospuk vkjksih izHkkdj xoaMj firk fou; xoaMj ,oa vfuy firk y[kuyky ;kno 22 o"kZ lkfdu :okcka/kk Fkkuk fHkykbZ uxj] nqxZ ds fo:} mUgsa fxjQ~rkj dj pkyku izLrqr fd;k x;k rFkk izhre flag vkSj eukst flag tks fd e'k:dk LdkfiZ;ks dks ysdj >kj[k.M fcgkj Hkkx x, gSA mDr nksuksa vkjksfi;ksa dk >kj[k.M fcgkj esa l?ku irk ryk'k fd;k x;k fdUrq mudk dksbZ irk ugha pyk gSA izFke lwpuk&i= esa Hkh ?kVuk fnukad&07-06-2012 dh njE;kuh jkr crk;k x;k gS vkSj iqfyl Fkkus esa fjiksVZ fnukad&12-06-2012 crk;k x;k gS vkSj blesa ;g Hkh crk;k x;k gS fd MªkbZOgj dks tcju QsaVk fiyk;k Fkk ftlls og csgks'k gks x;k Fkk vkSj fnukad&08-06-2012 dh lqcg tc mls gks'k vk;k rks mlds 700@&¼lkr lkS :Ik;s½ uxnh ugha Fks] eksckbZy Qksu Hkh ugha Fkk vkSj // 8 // LdkfiZ;ks dzekad&lh-th-11 bZ@0150 dher&4]50]000@&¼pkj yk[k ipkl gtkj :Ik;s½ ywVdj Hkkx x, FksA 12- mijksDr nLrkostksa ds ifj'khyu ls Li"V gS fd ;g izdj.k Li"V :Ik ls pksjh dk ekeyk ugha gS rFkk okgu [kM+h gqbZ voLFkk esa ys tk;k x;k Fkk vfirq okgu dks mlds pkyd 'kjn fxjh xksLokeh pykrs gq, ys tk jgk Fkk rc jkLrs esa 4 yksxksa us okgu dks jksddj pkyd 'kjn fxjh xksLokeh dks u'khyh nokbZ fiykdj okgu dh ywV dkfjr dh xbZ gS vkSj ,slh fLFkfr esa okgu dks leqfpr :Ik ls ikdZ fd;s tkus dk ;k pkch dks ysdj tkus dk dksbZ iz'u gh mRiUu ugha gksrk gSA 13- gkykafd bl izdj.k dh ?kVuk ywV ls lacaf/kr gS ysfdu ywV pksjh esa Js.kh esa vkrk gS vkSj /kkjk&390 Hkk- n- la- ds vuqlkj%& Pkksjh dc ywV gS& pksjh **ywV** gS] ;fn ml pksjh dks djus ds fy, ;k ml pksjh ds djus esa] ;k ml pksjh }kjk vfHkizkIr lEifRr dks ys tkus ;k ys tkus dk iz;Ru djus esa] vijk/kh ml mn~ns'; ls LosPN;k fdlh O;fDr dh e`R;q] ;k migfr ;k mldk lnks"k vojks/k ;k rRdky e`R;q dk] ;k rRdky migfr dk] ;k rRdky lnks"k vojks/k dk Hk; dkfjr djrk ;k dkfjr djus dk iz;Ru djrk gSA mÌkiu dc ywV gS& mÌkiu **ywV** gS] ;fn vijk/kh og mÌkiu djrs le; Hk; esa Mkys x, O;fDr dh mifLFkfr esa gS] vkSj ml O;fDr dks Lo;a ;k fdlh vU; O;fDr dh rRdky e`R;q ;k rRdky migfr ;k rRdky lnks"k vojks/k ds Hk; esa Mkydj og mÌkiu djrk gS vkSj bl izdkj Hk; esa Mkydj bl izdkj Hk; esa Mkys x, O;fDr dks mÌkiu dh tkus okyh pht mlh le; vkSj ogka gh ifjnRr djus ds fy, mRizsfjr djrk gSA // 9 // Li"Vhdj.k&vijk/kh dk mifLFkr gksuk dgk tkrk gS] ;fn og ml vU; O;fDr dks rRdky e`R;q ds] rRdky migfr ds] ;k rRdky lnks"k vojks/k ds Hk; esa Mkyus ds fy, Ik;kZIr :Ik ls fudV gksA** 14- /kkjk&390 Hkk- n- la- dh ifjHkk"kk ds ifj'khyu ls Li"V gS fd ywV pksjh ;k mÌkiu dk c<+k gqvk vijk/k gS rFkk iqfyl v/kh{kd }kjk fn, x, fjiksVZ ls Li"V gS fd nks O;fDr;ksa ds fo:} pkyku lacaf/kr U;k;ky; esa izLrqr fd;k x;k gS ,slh fLFkfr esa [kkRek izfrosnu tkjh fd;k tkuk laHko ugha gSA ,slh fLFkfr esa mRrjoknh@ifjoknh }kjk [kkRek izfrosnu izLrqr fd;k tkuk laHko ugha gS rFkk nks vijkf/k;ksa dks Qjkj crk;k x;k gS vkSj ;g Hkh crk;k x;k gS fd okgu dks ysdj >kj[k.M fcgkj dh vksj Hkkx x, gSa vkSj blls Hkh Li"V gS fd okgu dh tIrh ugha gqbZ gSA 15- izFke lwpuk&i= vkSj iqfyl fjiksVZ ls Li"V gS fd pkyd 'kjn fxjh xksLokeh dks tc nwljs fnu gks'k vk;k Fkk rc mlus mRrjoknh@ ifjoknh dks ?kVuk ds laaca/k esa lwfpr fd;k FkkA 16- mRrjoknh@ifjoknh mes'k dqekj frokjh }kjk ofj"B e.My izca/kd vksfj,aVy ba';ksjsal daiuh fyfeVsM dks izsf"kr i= ds ifj'khyu ls izdV gksrk gS fd mRrjoknh@ifjoknh }kjk fnukad&09-06-2012 dks gh chek daiuh dks QSDl ds ek/;e ls lwpuk Hkstk x;k Fkk ftlesa ;g mYysf[kr gS fd%& "TX REPORT TRANSMISSION OK JOB NO. 0170 DESTINATION ADDRESS 07759248328 PSWD/SUBADDRESS // 10 // DESTINATION ID ST. TIME 09/06 10:53 USAGE T 02 : 07 PGS 1 RESULT OK"
rFkk ,d vU; i= Hkh ofj"V e.My izca/kd] vksfj,.Vy ba';ksjsal daiuh fyfeVsM dks mRrjoknh@ifjoknh }kjk fy[kk x;k gS] blls Li"V gS fd fnukad&09-06-2012 dks gh ?kVuk dh lwpuk ba';ksjsal daiuh dks fn;k x;k Fkk vkSj bu ifjfLFkfr;ksa esa ugha dgk tk ldrk fd mRrjoknh@ ifjoknh }kjk fjiksVZ fd;s tkus esa vR;f/kd foyac dkfjr fd;k x;k gSA 17- National Insurance Company Ltd. Vs. Kamal Singhal, IV (2010) CPJ 297 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "There has been catena of decisions of the National Commission and also Hon'ble Apex Court and the issue is no longer res integra that in case of theft of vehicle, issue of breach of policy condition (s) was not germane to the issue and we profitably refer to few decisions of the National Commission in the matters of (1) National Insurance Company Ltd. v. J.P. Leasing & Finance Pvt. Ltd., (R.P No.643 / 2005), (2) Punjab Chemical Agency v. National Insurance Company Ltd. (R.P. No.2097), (3) New India Assurance Co. Ltd. v. Sou. Bahrati Rajiv Bankar, (RP No.3294 / 2009) and (4) National Insurance Company Ltd. v. Jeetmal, (RP No.3366/2009). There has been a landmark judgment of Hon'ble Apex Court in the matter of National Insurance Company Ltd. v Nitin Khandelwal, IV (2008) CPJ 1 (SC), where the Hon'ble Apex Court held that in the matter of theft of vehicle, breach of conditions of policy was not germane and also held further "the appellant Insurance Company is liable to indemnify the owner of the vehicle when the insurer has obtained comprehensive policy to the // 11 // loss caused to the insurer. The respondent submitted that even assuming that there was a breach of condition of policy, the appellant Insurance Company ought to have settled the claim on 'non-standard 'basis"
18. National Insurance Company v. Lajwanti, II (2007) CPJ 48 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "the vehicle was stolen on 19.01.2002 at about 4.00 a.m. and report was lodged on the same day under Section 379, IPC and despite best efforts made by Police, the car could not be traced. The claim of the complainant was repudiated by the Insurance Company on the ground that stolen was doubtful. The State Commission allowed the appeal and awarded compensation to the complainant and National Commission upheld the finding recorded by the State Commission."
19. National Insurance Company Ltd. Vs. Nitin Khandelwal, IV (2008) CPJ 1 (SC), esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "12. 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 Company cannot repudiate the claim in toto in case of loss of vehicle due to theft.
14. In the facts and circumstances of the case, the real question is whether, according to the contract between the respondent and the appellant, the respondent is required to be indemnified by the appellant. On the basis of the settled legal position, the view taken by // 12 // the State Commission cannot be faulted and the National Commission has correctly upheld the said order of the State Commission"
20. Baljeet v. United India Insurance Company Limited., 2014 (1) CPR 61 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "12. The above issue is no more resintegra. Similar question came up for consideration before the National Commission in the matter of United India Insurance Company Limited Vs. Gian Singh (2006) 2 CPJ 83 (NC) wherein it has been held that in case violation of conditions of the policy so as to nature of use of the vehicle, the claim ought to be settled on a non-standard basis.
13. The question whether the insurance company is justified in repudiating the claim of the insured for violation of the terms and conditions of the insurance policy in the case of theft of vehicle came up before the Hon'ble Supreme Court in the matter of National Insurance Company Limited Vs. Nitin Khandelwal (2008) 11 SCC 259, wherein the Hon'ble Supreme Court observed thus :
"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 Company cannot repudiate the claim in toto in case of loss of vehicle due to theft.
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 // 13 // 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.
In the facts and circumstances of the case, the real question is whether, according to the contract between the respondent and the appellant, the respondent is required to be indemnified by the appellant. On the basis of settled legal position, the view taken by the State Commission cannot be faulted and the National Commission has correctly upheld the said order of the State Commission".
21- ,slh fLFkfr esa vihykFkhZ@vukosnd ba';ksjsal daiuh us ftu U;k; n`"Vkarksa dk voyacu fy;k gS mlds rF; bl izdj.k ds rF; ls iw.kZr% fHkUu gSa vkSj blfy, mldk ykHk vihykFkhZ@vukosnd ba';ksjsal daiuh dks ugha feyrk gSA 22- vihykFkhZ@vukosnd us ;g fuosnu fd;k gS fd mRrjoknh@ ifjoknh }kjk nLrkost izLrqr ugha fd;k x;k blfy, nkos dk fujkdj.k ugha fd;k x;kA vr% izdj.k fjek.M fd;k tkos] vihykFkhZ@vukosnd dk mDr rdZ Lohdkj fd;s tkus ;ksX; ugha gSA mRrjoknh@ifjoknh us vius i= fnukad&11-02-2013 esa Li"V :Ik ls mYysf[kr fd;k gS fd mlus izFke lwpuk&i= dh izfr] vkj- lh- cqd vly] chek ikWfylh vkSj iqfyl v/kh{kd dk;kZy; }kjk izsf"kr vafre izfrosnu vkSj okgu dh ,d pkch] okgu [kjhnh dk fcy] vkj- Vh- vks- QkeZ vkfn chek daiuh dks izsf"kr fd;k FkkA pwafd bl izdj.k esa nks vijkf/k;ksa ds fo:} vfHk;ksx&i= izLrqr fd;k x;k Fkk vkSj nks vkjksih Qjkj crk;k x;k gS rFkk iqfyl v/kh{kd ds i= ls Li"V gS fd okgu dh tIrh ugha gqbZ gSA ,slh fLFkfr esa dsoy bl vk/kkj ij fd ysVj vkWQ lczksxs'ku izLrqr ugha fd;k x;k gS] nkos dk fujkdj.k ugha fd;k tkuk fuf'pr gh lsok esa deh dh Js.kh esa vkrk gS vkSj ftyk Qksje us bl laca/k esa tks fu"d"kZ fudkyk gS og iw.kZr% fof/k lEer gS vkSj mlesa gLr{ksi dh vko';drk ugha gSA // 14 // 23- vr% ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&17-10-2014 dh iqf"V djrs gq, vihykFkh@vukosnd dh vihy lkjghu gksus ls fujLr fd;k tkrk gSA izdj.k dh ifjfLFkfr;ksa dks ns[krs gq, 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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