State Consumer Disputes Redressal Commission
Kumar Carring Corporation vs National Insurance Company Limited on 11 December, 2014
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It is hereby declared and agreed not withstanding anything to the contrary contained in this Policy that in respect of the vechicle insured the Insurer shall be under no liability.
a) Under Section I of this Policy in respect of loss or damage resulting from overturning arising out of the operation as 3 a tool of such vehicle or of plant forming part of such vehicle or attached there to except for loss or damage arising directly from fire, explosion, self-ignition or burglary house breaking or theft.
b) Under Section II except so far as in necessary to meet the requirement of the Motor Vehicle Act, 1988, in respect of liability incurred by the insured arising out of the operation as a tool of such vehicle or of plant forming part of such vehicle or attached there to.
N.B.:
Omit paragraph (a) for:-
(i) Liablity only Policies. (ii) Package Policies where an additional premium has
been paid for inclusion of damage by overturning. NOTE:
Insert make, number or some other means of identification.
Where a premium reduction is allowed for exclusion of damages when in use as a tool of trade omit from paragraph
(a) (the words "resulting from overturning" and "except for loss..... Or theft."4
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(a) Mobile Cranes
(b) Mechanical Navies, Shovels, Grabs, Rippers ,Excavators
(c) Dragline Excavators
(d) Mobile Drilling Rigs
(e) Mobile Plant 6 bu ikapksa rjg dh Js.kh esa Hkh ifjoknhx.k ds okgu ugha vkrs gSAa fo}ku vf/koDrk izR;FkhZ us ekuuh; mPpre U;k;ky; dk fu.kZ; 2008 (10) Supreme Court Cases 404 izLrqr fd;k] tks IRDA Act 1999 ds lacU/k esa gS rFkk dgk x;k gS fd IRDA }kjk tkjh fd;s x;s jsxqys'ku o funsZ'k lHkh chek daifu;ksa ij ykxw gksax]s bl ij dksbZ nks jk; ugha gS rFkk ;g lgh gS fd IRDA ds jsxqys'ku ls ifjoknhx.k rFkk chek daiuh ikacn gSA mUgksaus 2004 ACJ 795 Hkh izLrqr fd;k] ftlesa dgk x;k fd 30 twu 2002 rd iqjkus bf.M;u eksVj VsfjQ ykxw gksrs Fks] tks vc ykxw ugha gksrs gSA ;g U;kf;d n`"Vkar bl izdj.k esa dksbZ lqlx a rk ugha gSA vr% izR;FkhZ dh vksj ls tks cpko fy;k x;k gS] og ekuus ;ksX; ugha gSA fo}ku vf/koDrk vihykFkhZ dk dFku gS fd iSdst ikWfylh esa IMT- 47 ykxw ugha gksrs rFkk chfer okgu dh Js.kh dk ugh gS] ftlesa IMT- 47 ykxw gksrk gksA ge muls lger gSA blds vfrfjDr mUgksaus IRDA 1999 ds rgr cus THE INSURANCE REGULATORY AND DEVELOPMENT AUTHORIY (PROTECTION OF POLICY HOLDERS' INTERESTS ) REGULATIONS,2002 is'k fd;k gS] ftlds fu;e 2-I esa iziksty QkeZ rFkk fu;e 3-I, 3-II esa ;g izko/kku gS fd foi{kh chek daiuh ifjoknh dks chek i`"Bkafdr ds fo"k; esa lkjs ykHk 7 rFkk izHkkoh izkM s DV crk;sxhA blds lkFk gh mUgksaus iziksty QkeZ dh izfr Hkh is'k dh gS] ftlesa dgha Hkh IMT- 47 ds ckcr~ vfrfjDr chek ds fy, u rks dksbZ iz'u iwNs x;s gS vkSj u gh ifjoknh us nsus ls badkj fd;k gSA ,slh fLFkfr esa tc ifjoknh dks ikWfylh dh 'krksZa dk iw.kZ fooj.k gh ugha crk;k x;k gS rks cpko esa ,slh 'krsZa ugha crk ldrs] tks ikWfylh esa mYysf[kr ugha gSA vihykFkhZx.k us vius dFku leFkZu esa II (2011) CPJ 176 ]ctkt vkfy;kat tujy ba';ksjsl a daiuh fyfeVsM cuke~ chj flag] ekuuh;
fgekpy izns'k jkT; vk;ksx dk fu.kZ; fn;k gS] ftlesa dgk gS fd chekdRrkZ dks leLr lkjoku rF; jsxqys'ku 2002 ds vuqlkj crkus dk nkf;Ro gS] vU;Fkk bldk cpko ugha ys ldrsA blh rjg 2007 NCJ 653(NC) ]us'kuy ba';ksajasl daiuh fyfeVsM cuke~ Mh-th-tSu ds vuqlkj dksbZ ,DlDywtu DykWt gks rks mls chek tkjhdjus ls igys crkuk vko';d gS vU;Fkk chek daiuh ,DlDywtu DykWt dk ykHk ugha ys ldrhA bu izdj.kksa esa IMT- 47 Section-7 IMF ds i`"Bkadu dk Hkkx gS tks ,DlDywtu izd`fr ds gSA vr% mldk i`"Bkadu ikWfylh esa ugha djuk ;k chfer dks ugha crkuk lsok nks"k gSAa vr% bl vk/kkj ij foi{kh dk fy;k x;k cpko] ftyk eap us xyr Lohdkj fd;k gSA ftyk eap ds mijksDr pkjksa izdj.kksa esa ikfjr vkns'k fnuakd 03-05-2013 vikLr fd;s 8 tkrs gSA ftyk eap] t;iqj prqFkZ] t;iqj dks funsZ'k fn;s tkrs gS fd foi{kh }kjk yh xbZ fof/kd vkifRr [kkfjt dj nh xbZ gSA xq.k&nks"kksa ij okgu dh {kfr ds lacU/k esa fu.kZ; dj izdj.kksa dk fuLrkj.k fof/k vuqlkj djsAa i{kdkjksa dks funsZ'k fn;s tkrs gS fd osa ftyk eap] t;iqj prqFkZ] t;iqj ds le{k fnuakd 12-01-2015 dks mifLFkr gksosaA ftyk eap vfHkys[k mijksDr frfFk ls iwoZ fHktok;s tk;sA ihBklhu lnL;