State Consumer Disputes Redressal Commission
Shriram Transport Finance Co.Ltd. vs Rajkumar Agrawal & Anr. on 9 March, 2016
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i{kdkjksa ds vf/koDrk ifjoknh vuqifLFkrA vukosnd dz-1 dh vksj ls Jh nhid xqIrk] vf/koDrkA vukosnd dz-2 dh vksj ls Jh dkS'ky nsokaxu] vf/koDrkA vkns'k fnukad% 09@03@2016 n~okjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihy dzekad&FA/13/566 vihykFkhZ@vukosnd dz-2 Jhjke VªkaliksVZ Qk;usal daiuh fyfeVsM ,oa vihy dzekad&FA/13/568 vihykFkhZ@vukosnd dz-1 izca/kd] Jhjke tujy ba';ksjsal daiuh fyfeVsM }kjk /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] jk;x<+ ¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&51@2013 esa ikfjr vkns'k fnukad&29-08-2013 ftlds }kjk mRrjoknh dz-1@ifjoknh ds ifjokn dks Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%& **v- vukosndx.k] vkosnd dks okgu ejEer jkf'k&23]000@&¼rsbZl gtkj :Ik;s½ ,d eghus ds Hkhrj Hkqxrku djsaxs rFkk 23]000@&¼rsbZl gtkj :Ik;s½ ij vkns'k fnukad ls Hkqxrku fnukad rd 06 izfr'kr okf"kZd dh nj ls C;kt Hkqxrku djsaxsA c- vukosndx.k] vkosnd dks ekufld {kfriwfrZ 3]000@&¼rhu gtkj :Ik;s½ rFkk okn O;; 1]000@&¼,d gtkj :Ik;s½ Hkh Hkqxrku djasxsA** ls nqf[kr gksdj izLrqr fd, gSaA // 3 // 02- pwafd vihy dzekad&FA/13/566 ,oa vihy dzekad&FA/13/568 nksuksa gh ftyk Qksje] jk;x<+ ds ifjokn izdj.k dzekad&51@2013 esa ikfjr vkns'k fnukad&29-08-2013 ls mn~Hkwr gq, gSa] vr% bu nksuksa vihyksa dk fujkdj.k bl ,d gh vkns'k ds }kjk fd;k tk jgk gS rFkk lqfo/kk dh n`f"V ls i{kdkjksa dks muds ekSfyd izkfLFkfr ls lacksf/kr fd;k tkosxkA vkns'k dh ewy izfr vihy dzekad& FA/13/566 esa ,oa mldh izfr vihy dzekad& FA/13/568 esa layXu fd;k tkosA 03- ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj gS fd ifjoknh ds LokfeRo dk okgu cksysjks dz-&lh-th-13 Mh@5503 gSA mDr okgu dk chek vukosnd dz-2 ls fnukad&07-01-2012 ls fnukad&06- 01-2013 dh vof/k ds fy, fd;k x;k Fkk vkSj mDr chek ikWfylh nq?kZVuk fnukad dks thfor ,oa izHkko'khy Fkk tks nkf;Ro ns;rk ls vkPNkfnr gS vkSj mDr chek ds vuqlkj mDr okgu dk 3]20]000@&¼rhu yk[k chl gtkj :Ik;s½ dh lhek rd chek fd;k x;k Fkk vkSj bl gsrq csfld vks- Mh- dOgj ¼vkWu Msest½ 5]523@&¼ikap gtkj ikap lkS rsbZl :Ik;s½ dk izhfe;e Hkh fy;k x;k FkkA mDr okgu fnukad&27-08-2012 dks lqcg 9%00 cts xzke [ksjiqj jk;x<+ ds ikl nq?kZVukxzLr gks x;k vkSj okgu dks dkQh {kfr gqbZ ftldh fjiksVZ Fkkuk dksrjk jksM jk;x<+ esa dh xbZ Fkh rFkk nq?kZVuk dh lwpuk rRdky vukosnd dz-1 dks nh xbZ Fkh rc vukosnd dz-1 ds QhYM vkWfQlj jkds'k xqIrk }kjk losZ fd;k x;k ,oa ifjoknh }kjk losZ;j dks leLr vko';d nLrkost Hkh iznku fd;k x;kA losZ dk Dyse uacj&10000@31@12v@lh@034440 iathc} fd;k x;kA losZ mijkar okgu dks f'koe eksVlZ xSjst f<ejkiqj jk;x<+ esa fjis;fjax djk;k x;k ftlesa 23]448@&¼rsbZl gtkj pkj lkS vM+rkyhl :Ik;s½ O;; gqvk ftls ifjoknh izkIr djus dk vf/kdkjh gSA ifjoknh }kjk leLr nLrkost iznku djrs gq, vusdksa ckj vukosnd dz-1 ls laidZ djrk jgk ,oa nwjHkk"k // 4 // }kjk Hkh laidZ djrk jgk fdUrq dksbZ larks"ktud lek/kku ugha fd;k x;kA ifjoknh }kjk vius vf/koDrk ds ek/;e ls fnukad&01-02-2013 dks vukosnd dz-1 dks uksfVl Hkh izsf"kr djk;k x;k ftldk dksbZ tokc ugha fn;k x;k ftlds dkj.k ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 04- vukosnd dz-1 izca/kd] Jhjke tujy ba';ksjsal daiuh fyfeVsM dh vksj ls fyf[kr dFku izLrqr dj ;g izkjafHkd vkifRr dh xbZ gS fd izLrqr izdj.k esa fopkjkFkZ okgu dzekad&lh-th- 13 Mh@5503 egsUnzk ,.M egsUnzk fyfeVsM }kjk fufeZr dsfcu MkYkk ckWMh okgu gS tks ,y- ,e- Ogh- oxZ dk eky okgd ;ku dh Js.kh esa vkrk gS vkSj bl okgu dk iath;u dkef'kZ;y okgu ds :Ik esa fd;k x;k gS vkSj dkef'kZ;y okgu dh nj ls ifjogu dj Hkh vnk fd;k x;k gS rFkk O;olkf;d okgu gksus ds dkj.k okgu dk fQVusl izek.k&i= Hkh ifjogu foHkkx }kjk tkjh fd;k x;k gS] blls Li"V gS fd ifjoknh mDr okgu dk iz;ksx dkef'kZ;y iz;ksx ds fy, djrk gS vkSj mDr dkj.k ls ifjoknh **miHkksDr** dh Js.kh esa ugha vkrk gSA nq?kZVukxzLr okgu dk chek djkrs le; vukosnd dz-1 us Li"V 'krZ j[kh Fkh fd mDr okgu dk oS/k iath;u] ijfeV vkSj fQVusl j[ksxk ,oa mls mlh O;fDr ls pyok,xk ftlds ikl mDr okgu dks pykus dk oS/k ,oa izHkkoh yk;lsal gks ijUrq nq?kZVuk fnukad dks pkyd f'kcqnkl ds ikl oS/k ,oa izHkkoh yk;lsal ugha FkkA vr% oS/k ,oa izHkkoh yk;lsal ds vHkko ds dkj.k chek dh 'krksZa dk mYya?ku gksus ls izLrqr nkok fujLr fd;s tkus ;ksX; gSA ifjoknh }kjk nq?kZVuk dh lwpuk vukosnd dz-1 dks vR;ar foyac ls nh xbZ gS tks fd chek ikWfylh dh 'krksZa ds vuqlkj vof/k ckg~; gSA vukosnd chek daiuh us ifjoknh ds nkos dh lwpuk izkIr gksus ds ckn vius losZ;j ds ek/;e ls nkos dh tkap djk dj nkos dk ewY;kadu fd;k vkSj losZ;j us nq?kZVuk ds rduhdh igyqvksa ij fof/kor~ // 5 // tkap dj nkok jkf'k dk vkadyu 825@&¼vkB lkS iPphl :Ik;s½ fd;k ftldh lwpuk ifjoknh dks nh xbZ Fkh vkSj ifjoknh us mDr nkos dks Lohdkj dj fy;k Fkk vkSj Claim Cost Confirmation QkeZ ij nkos dh ykxr dh iqf"V djrs gq, vius gLrk{kj dj nkos dks Lohdkj fd;k Fkk ijUrq ckn esa ifjoknh us vius vf/koDrk ds ek/;e ls uksfVl Hkstdj ;g nkok izLrqr fd;k gS tks fujLr fd;s tkus ;ksX; gSA vukosnd dz-1 us ifjoknh ds nkos dk larks"ktud lek/kku dj fn;k Fkk vkSj ifjoknh us Hkh nkos dh iqf"V dj nh FkhA vukosnd dz-1 }kjk ifjoknh ds nkos ds fujkdj.k esa dksbZ dksrkgh ugha cjrh xbZ gSA ifjoknh dk nkok iw.kZr% iwokZxzg ls xzflr gS vkSj ijs'kku djus dh fu;r ls izLrqr fd;k x;k gS tks fujLrh ;ksX; gSA vr% ifjokn lO;; fujLr fd;k tkosA 05- vukosnd dz-2 Jhjke VªkaliksVZ Qk;usal daiuh fyfeVsM }kjk fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd vukosnd dz-2 Qk;usal daiuh gS u fd chek daiuh] vr% ifjoknh dk vukosnd dz- 2 ls dksbZ laca/k ugha gSA ifjoknh }kjk vukosnd dz-2 dks feF;k :Ik ls i{kdkj cuk;k x;k gS tcfd ifjoknh ds okgu dk chek vukosnd dz-1 ds }kjk fd;k x;k gSA ifjoknh dks vukosnd dz-2 ds fo:) dksbZ okn dkj.k izkIr ugha gksrk gSA ifjoknh }kjk ,slk dksbZ Hkh nLrkost is'k ugha fd;k x;k gS ftlls vukosnd dz-2 ds lkFk mldk dksbZ laO;ogkj irk pyrk gksA ifjoknh] vukond dz-2 ls dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA ifjoknh }kjk vukosnd dz-2 dks O;FkZ o feF;k :Ik ls i{kdkj cuk;s tkus ds dkj.k vukosnd dz-2] ifjoknh ls {kfriwjd O;; izkIr djus dk vf/kdkjh gSA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA // 6 // 06- ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k vf/koDrk uksfVl fnukad&01-02-2013 dh dkcZu izfr ¼nLrkost dz-1½] izkfIr Lohd`fr jlhn fnukad&11-02-2013 dk vly ¼nLrkost dz-2½] iksLVy jlhn fnukad&06-02-2013 dk dk vly ¼nLrkost dz-3½] iksLVy jlhn ekg 12@2012 dk vly ¼nLrkost dz-3,½ rFkk f'koe eksVlZ xSjst dk ,fLVesV fnukad&10-09-2012 ¼nLrkost dz-4½] lfVZfQdsV vkWQ fQVusl ¼nLrkost dz-5½] lfVZfQdsV vkWQ jftLVªs'ku ¼nLrkost dz-6½] f'kcq nkl dk Mªk;foax ykbZlsal ¼nLrkost dz-7½] chek ikWfylh ¼nLrkost dz-8½] izFke lwpuk izfrosnu fnukad&27-08-2012 ¼nLrkost dz-9½ dh QksVks dkih rFkk f'koe eksVlZ xSjst dk fcy fnukad&14-09-2012] ekWa dkyh ckWMh fcYMlZ dk fcy fnukad&13-09-2012] ,l- Vh- dk fcy fnukad&12- 09-2012 dk vly izLrqr fd;k gSA 07- vukosnd dz-1 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k Dyse dkLV daQesZ'ku fnukad&25-09-2013 (Annexure-1)] losZ fjiksVZ (Annexure-2)] eksVj ba';ksjsal Dyse QkeZ (Annexure-3) rFkk buosLVhxs'ku fjiksVZ (Annexure-4) dh QksVks dkih izLrqr fd;k gSA 08- ftyk Qksje us mHk;i{k dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{; ds ifj'khyu Ik'pkr~ 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 09- vihy dzekad&FA/13/568 ds vihykFkhZ Jhjke tujy ba';ksjsal daiuh fyfeVsM tks fd vukosnd dz-1 gS] dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh nhid xqIrk dk ;g rdZ gS fd ftyk Qksje dk vkns'k =qfViw.kZ gSA iz'uk/khu okgu ds pkyd ds ikl iz'uk/khu okgu dks // 7 // pykus ds fy, oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha FkkA okgu Light Goods Vehicle Fkk tcfd pkyd f'kcq nkl ds ikl dsoy Light Motor Vehicle pykus dk MªkbZfoax ykbZlsal Fkk vkSj bl izdkj nq?kZVuk ds le;
okgu ,sls O;fDr }kjk pyk;k tk jgk Fkk ftlds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha Fkk tks fd chek 'krksZa dk mYya?ku gS vkSj blfy, chek daiuh {kfriwfrZ ds fy, nkf;Rok/khu ugha gSA vihykFkhZ@vukosnd dz-1 dh vksj ls ;g rdZ izLrqr fd;k x;k gS fd ifjoknh us O;olkf;d iz;kstu ds fy, okgu dks dz; fd;k Fkk vkSj chek dkef'kZ;y Oghdy ds :Ik esa fd;k x;k gS vkSj blfy, ifjoknh **miHkksDrk** ugha gS ijUrq ftyk Qksje us bu rF;ksa dks /;ku esa ugha fn;k gS vkSj =qfViw.kZ vkns'k ikfjr fd;k gSA Jh nhid xqIrk vf/koDrk dk ;g Hkh rdZ gS fd vihykFkhZ@vukosnd dz-1 }kjk losZ;j fu;qDr fd;k x;k Fkk vkSj losZ;j us tks {kfr dk vkadyu fd;k gS og ek= 825@&¼vkB lkS iPphl :Ik;s½ fu/kkZfjr fd;k gS vkSj dsoy ogh jkf'k ifjoknh ikus dk vf/kdkjh gS ijUrq ftyk Qksje us vuqfpr :Ik ls 23]000@&¼rsbZl gtkj :Ik;s½ Hkqxrku djus dk vkns'k ikfjr fd;k gSA mlh izdkj fcuk vk/kkj ds ekufld ihM+k gsrq 3]000@&¼rhu gtkj :Ik;s½ Hkqxrku fd;s tkus gsrq vknsf'kr fd;k gS tks fd =qfViw.kZ gS vkSj blfy, ftyk Qksje dk vkns'k fLFkj j[ks tkus ;ksX; ugha gSA vr% vihykFkhZ@vukosnd dz-1 Jhjke tujy ba';ksjsal daiuh fyfeVsM dh vksj ls izLrqr vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkos vkSj ;fn ;g ekuk Hkh tkos fd ifjoknh fdlh izdkj dh {kfriwfrZ ikus dk vf/kdkjh gS rks og ek= 825@&¼vkB lkS iPphl :Ik;s½ gh izkIr djus dk vf/kdkjh gSA 10- vihy dzekad&FA/13/566 ds vihykFkhZ Jhjke VªkaliksVZ Qk;uasl daiuh fyfeVsM tks fd vukosnd dz-2 gS] dh vksj ls milatkr gksus okys // 8 // fo)ku vf/koDrk Jh dkS'ky nsokaxu dk ;g rdZ gS fd ftyk Qksje dk vkns'k bl vihykFkhZ@vukosnd dz-2 ds fo:) =qfViw.kZ gSA vihykFkhZ@vukosnd dz-2 Qk;usal daiuh gS vkSj ftyk Qksje us dsoy ,d nLrkost dzekad&4 dk mYys[k djrs gq, bl vihykFkhZ@vukosnd dz-2 dks nkf;Rok/khu Bgjk fn;k gS tks fd =qfViw.kZ gSA vihykFkhZ Qk;usal daiuh gS u fd ba';ksjsal daiuh vkSj ,slh fLFkfr esa ;fn ba';ksjsal daiuh }kjk }kjk fdlh izdkj dh =qfV dkfjr fd;k x;k gS rks mlds fy, Qk;usal daiuh dks nkf;Rok/khu ugha Bgjk;k tk ldrkA vr% bl vihykFkhZ dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje ds vkns'k dks bl vihykFkhZ ds laca/k esa vikLr fd;k tkosA 11- mHk; vihy esa ifjoknh dh vksj ls uksfVl dh rkehyh ds ckn Hkh dksbZ mifLFkr ugha gSA 12- geus vihykFkhZx.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 13- vihy dzekad&2013@568 ds vihykFkhZ dk ;g vk{ksi gS fd ifjoknh us O;olkf;d iz;kstu ds fy, okgu dk chek djk;k Fkk blfy, ifjoknh **miHkksDrk** ugha gSA vihykFkhZ dk mDr rdZ Lohdkj fd;s tkus ;ksX; ugha gSA 14- ifjoknh us vius ifjokn&i= esa Li"V mYysf[kr fd;k gS fd ifjoknh us vius LokfeRo dh okgu cksysjks dzekad&lh-th-13Mh@5503 dk vukosnd dzekad&1 ds ikl chek djok;k Fkk vkSj mDr chek fnukad&07- 01-2012 ls 06-01-2013 dh vof/k ds fy, izHkkoh FkkA vukosnd dz-1 us // 9 // vius fyf[kr dFku esa ;g Lohdkj fd;k gS fd okgu dk O;olkf;d iz;kstu ds fy, chek fd;k x;k FkkA bl izdkj ;g Li"V gS fd ifjoknh us vukosnd dz-1 ds ikl okgu dk chek djk;k Fkk vkSj mDr chek fnukad&07-01-2012 ls fnukad&06-01-2013 rd izHkkoh Fkk rFkk ifjoknh ds vuqlkj nq?kZVuk fnukad&27-08-2012 dks ?kfVr gqvk Fkk] vFkkZr~ ftl le; nq?kZVuk dkfjr gqvk Fkk] ml le; okgu vukosnd dz-1 Jhjke tujy ba';ksjsal daiuh fyfeVsM ds ikl chfer FkkA 15- tgka rd chek ds lafonk dk laca/k gS] og {kfriwfrZ lafonk (Contract of Indeminity) gS vkSj mDr lafonk ykHk vftZr djus ds fy, ugha fd;k tkrk gS vfirq viuh laifRr ds tksf[ke dh lqj{kk ds fy, izkIr fd;k tkrk gS vkSj blfy, tksf[ke dh lqj{kk ds fy, tks chek djk;k tkrk gS og O;olkf;d iz;kstu ds fy, ugha ekuk tk ldrk vkSj ,slh fLFkfr esa dsoy O;olkf;d iz;kstu ds fy, okgu chfer gqvk gS mlds vk/kkj ij ;g ugha dgk tk ldrk fd ifjoknh **miHkksDrk** ugha gSA 16- The Divisional Manager, L.I.C. vs. Shri Bhavanam Srinivas Reddy, 1991 (2) CPR 144 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "3. The first point of objection raised by the Insurance Company before the State Commission and reiterated before us namely is that no dispute arising out of a contract of insurance can be made subject matter of adjudication under the Consumer Protection Act. This contention cannot be sustained in view of decision of this Commission dated July 28, 1989 in Shri Umedilal Aggarwal v. United India Assurance Company Ltd., F.A. Nos.3 and 4 of 1989 (Reported in I // 10 // (1991) CPJ-3, 1991 (1) CPR 217 (NC), wherein we have held as follows :-
"We find no merit in the contention put forward by the insurance company that a complaint relating to the failure on the part of the insurer to settle the claim of the insured within a reasonable time and the prayer for the grant of compensation in respect of such delay will not fall within the jurisdiction of the Redressal Forums constituted under the Consumer Protection Act. The provision of facilities in connection with insurance has been specifically included within the scope of the express 'service' by the definition of the said word contained in Section 2(i)(o) of the Act. Our attention was invited by Mr. Malhotra, learned counsel for the Insurance Company to the decision of the Queen's Bench in National Transit Insurance Company Ltd. vs. Customs and Central Excise Commissioner, (1975) (1) all England Reports Page 303) The observations contained in the said judgment relating to the scope of the expression 'insurance' occurring the schedule of the enactment referred to therein are of no assistance at all to us in this case because the context in which the expression is used in the English enactment considered in the case is entirely different.
Having regard to the philosophy of the Consumer Protection Act and its avowed object of providing cheap and speedy redressal to consumers affected by the failure on the part of persons providing "service" for a consideration, we do not find it possible to hold that the settlement of insurance claims will not be covered by the expression "insurance" occurring in Section 2(1)(d). Whenever there is a default or negligence in regard to such settlement of an insurance claim that will constitute a 'deficiency' in the service on the part of the Insurance company and it will be perfectly open to the concerned aggrieved consumer to approach the Redressal // 11 // Forums under the Act seeking appropriate relief. We, accordingly over the objection raised by the Insurance Company regarding the jurisdiction of the State Commission to adjudicate upon the complaint.
17. The Divisional Manager, L.I.C. vs. Uma Devi, 1991 (1) CPR 662 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "8. The very fact that the Insurance Act provides for a machinery for remedy for grievances arising out of repudiation of a claim under section 45 leads to show that the Corporation has to satisfy a Court that the repudiation was justified. Accordingly, it is for the consumer to choose a forum convenient to him to seek remedy for the loss suffered because of deficiency in service. As the provisions of this Act are in addition to and not in derogation of any other law for the time being in force, the State Commission has the jurisdiction to entertain the complaint and to investigate whether the repudiation was justified or not and to grant such relief as deems fit if it is satisfied that there was deficiency in service. We therefore, cannot uphold this contention in view of the decision of this Commission in Revision Petition No.12 of 1990 (New India Assurance Co. Ltd. v. Vipro Electronics Pvt. Ltd., 1991 (1) C.P.R. (NC) 531, where the identical point has been elaborately discussed".
18. The New India Assurance Co. Ltd. vs. M/s Vipro Electronics Pvt. Ltd., 1991 (1) C.P.R. (N.C.) 531, esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "We are not impressed with the contention raised by Shri S.K. Paul, learned counsel appearing on behalf of the Petitioner that merely because of Insurer had totally repudiated his liability in respect of the claim, no proceedings could be validly initiated under the Consumer // 12 // Protection Act by the insurer. This contention squarely falls within the ruling given by this Commission in Ummedilal Agrawal v. United India Assurance Co. Ltd. (O.P.No.3 & 4 of 1989, decided on 28.7.1989". In that decision this Commission has observed that it is not possible to hold that settlement of a disputed insurance claim will not be covered by the expression "service" occurring in Section 2(d) of the Act. It was laid down that whenever there is default or negligence in regard to service that will constitute "deficiency in service" on the part of the insurer and it is perfectly open to the aggrieved party for seeking appropriate relief under the Act.
In the result, the Revision Petition has no merits and it is accordingly dismissed".
19. M/s. Harsolia Motors vs. M/s. National Insurance Co. Ltd. & Ors. 2005 (1) CPR 1 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "13. In Halabury's Laws of England Vol. 25, 4th Edition, the origin and common principles of insurance is discussed and in paragraph 3 it has been discussed and in paragraph 3 it has been mentioned that it is based on principle of indemnity. Thereafter, relevant discussion is to the effect that most of contract of insurance belong to general category of contracts of indemnity. In the sense that insurers' liability is limited to the actual loss which is , in fact, proved. The contract is one of indemnity and, therefore, insured can recover the actual amount of loss and no more.
14. In this view of the matter, taking of the insurance policy is for protection of the interest of the assured in the articles or goods and not for making any profit or trading for carrying on commercial purpose.
16. We would refer to few relevant judgments :
// 13 // In Regional Provident Fund Commissioner vs. Shiv Kumar Joshi, (2000) 1 SCC 98, the Court elaborately considered the provisions of Sections 2(1)(d) and 2(1)(o) as well as earlier decisions and held that :-
"The combined reading of the definitions of 'consumer' and 'service' under the Act and looking at the aims and object for which the Act was enacted, it is imperative that the words "consumer" and "service" as defined under the Act should be construed to comprehend consumer and services of commercial and trade-oriented nature only. Thus any person who is found to have hired services for consideration shall 'be deemed to be a consumer notwithstanding that the services were in connection with any goods or their user. Such services may be for any connected commercial activity and may also relate to the services as indicated in Section 2(1)(o) of the Act."
The aforesaid ratio makes it abundantly clear that the services may be for any connected commercial activity, yet it would be within the purview of the Act."
20- mijksDr U;k; n`"Vkarksa ds ifjizs{; esa Li"V gS fd ifjoknh **miHkksDrk** gS vkSj fookn **miHkksDrk fookn** gS blfy, ifjoknh dk ifjokn ftyk Qksje ds le{k la/kkj.kh; gSA 21- vihykFkhZ@vukosnd dz-1 Jhjke tujy ba';ksjsal daiuh fyfeVsM }kjk nwljk vk{ksi ;g fd;k x;k gS fd ifjoknh ds pkyd f'kcq nkl ds ikl nq?kZVuk ds le; oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha FkkA ifjoknh dk tks okgu Fkk og eky okgd okgu Fkk tcfd pkyd f'kcq nkl ds ikl gYdk eksVj ;ku pykus ds fy, MªkbZfoax ykbZlsal Fkk vkSj og VªkaliksVZ oxZ ds okgu dks pykus ds fy, le{k ugha Fkk vkSj bl izdkj // 14 // chek 'krksZa dk mYya?ku fd;k x;k gSA vihykFkhZ@vukosnd dz-1 dk mDr rdZ Hkh Lohdkj ;ksX; ugha gSA 22- ifjoknh us lfVZfQdsV vkWQ jftLVsª'ku ,oa lfVZfQdsV vkWQ fQVusl izLrqr fd;k gS] mlesa okgu dks Light Goods Vehicle crk;k x;k gS rFkk lfVZfQdsV vkWQ jftLVsª'ku esa ynku jfgr Hkkj 1400 fdyks xzke vkSj ynku lfgr Hkkj 2300 fdyks xzke crk;k x;k gS vkSj lfVZfQdsV vkWQ jftLVsª'ku ,oa chek ikWfylh ds ifj'khyu ls Li"V gS fd dfFkr okgu Light Goods Vehicle ds :Ik esa gS vkSj pkyd f'kcq nkl dk tks MªkbZfoax ykbZlsal izLrqr fd;k x;k gS og Light Motor Vehicle dks pykus ds fy, l{ke Fkk] tcfd iz'uk/khu okgu Light Goods Vehicle gSA bl izdkj pkyd f'kcq nkl ds ikl tks MªkbZfoax ykbZlsal gS og Light Motor Vehicle dk gS u fd Light Goods Vehicle dkA 23- ICICI Lombared General Insurance Co. Ltd. Vs. Mainuddin, I (2015) CPJ 328 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "8. Learned counsel for the petitioner has drawn my attention to Sri Annappa Irappa Nesaria case (Supra) in which it was observed that light motor vehicle continued at the relevant point of time to cover both light passenger carriage vehicle and light goods carriage vehicle and driver who had a valid driving licence to drive light motor vehicle was authorized to drive light goods vehicle. This case pertains to accident on 09.12.1999, whereas in the case in hand, vehicle met with an accident on 31.10.2006 and by that time, necessary amendments in Motor Vehicle Act had already been incorporated. Hon'ble Apex Court in III (2009) SLT 586=II (2009) ACC 313 // 15 // (SC)=C.A. No. 1102 of 2009- Oriental Ins. Co. Ltd. V. Angad Kol & Ors., referred Sri Annappa Irappa Nesaria case and observed that from 28.03.2001, amendment has been carried out in Motor Vehicle Act and there is distinction between light motor vehicle and a transport vehicle and ultimately held that respondent was not holding valid and effective driving licence for driving goods vehicle which amounted to breach of conditions of the insurance policy as in the aforesaid case driver of the vehicle was holding licence to drive light motor vehicle . In the case in hand also driver of the vehicle was holding licence to drive LMV non- transport and as at the time of accident he was driving goods vehicle, licence held by him was not valid driving licence for driving goods vehicle. To drive a transport vehicle licence is issued for 3 years, whereas for driving light motor vehicle, licence is issued for 20 years. Licence issued to driver Gulappa Hadpad which was valid from 20.09.2004 to 19.09.2024, but he was not permitted to drive Transport Vehicle. Hon'ble Apex Court in IV (2008) ACC 759 (SC)=C.A. No. 3496 of 2008- New India Assurance Co. Ltd. v. Roshanben Rahemansha Fakir & Anr., also referred Sri Annappa Irappa Nesaria case and observed that light motor vehicle would not include light transport vehicle and on that basis, order allowing claim against Insurance Company was set aside."
24- Sandeep Kumar Vs. Iffco Tokio General Insurance Company Ltd.
& Anr. (Supra) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "11. This Commission in the case of Mudipalli Ellappa Ravi v. M/s. Royal Sundram Alliance Insurance Co. Ltd., IV (2012) // 16 // CPJ 816 (SC)=revision petition No. 1272 of 2012 decided on 06.09.2012, held:
"We have heard Counsel for the petitioner and have considered her submissions. She only submits that the violation of the terms and conditions of the policy could be waived by the respondent Insurance Company and the claim could have been settled at least on non- standard basis, if not, as full claim going by the decision of Supreme Court in the case of Amlendu Sahoo v. Oriental Insuracne Co. Ltd., (decision dated 25.03.2010 in Civil Appeal No. 2703/2010). We have noted down these submissions only to be rejected because if the nature and kind of breach of the terms and conditions of the policy did not entitle the petitioner even the settlement of his claim even on non-standard basis. The breach being of fundamental in nature, we see no merit in these contentions. The order passed by the State Commision is justified on record and does not suffer from any illegality, material irregularity, much less any jurisdictional error, which warrants interference of this Commission. Dismissed."
13. In another case, National Insurance Co. Ltd. v. Prithipati Satthiyya and Ors. IV (2011) CPJ 133 (SC) = Revision Petition No.2717 of 2007, a Bench of this Commission, headed by Hon'ble Mr. Justice Ashok Bhan, held :
"The driver of the vehicle in question was holding a license to drive LMV only and there was no endorsement on the licence authorizing him to drive the taxi which was a transport vehicle to carry passengers. The Hon'ble Supreme Court in the judgment in the case of New India Assurance Co. Ltd. v. Prabhu Lal, I (2008) CPJ 1 (SC), held that if driver of the vehicle did // 17 // not have a valid licence to drive the transport vehicle, the Insurance Company is not liable to reimburse for the loss caused to the vehicle in the accident."
25- Sahib Singh Vs. ICICI Lombard General Insurance Company 2016 (1) CLT esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "13. As per copy of registration certificate placed on record by the petitioner, class of vehicle is 'L.T.V.' and description of vehicle is 'Bolero'. Thus, as per registration certificate, vehicle is 'Light Transport Vehicle'. However, as per copy of the driving licence of driver placed on record, the driver is authorized to drive only 'SCOOTER/CAR/TRACTOR'. Therefore, driver was not authorized to drive 'Light Transport Vehicle' which he was driving at the time, when the accident took place."
26- mijksDr foospuk ds ifjizs{; esa ;g Li"V gS fd pkyd f'kcq nkl ds ikl gYdk eksVj ;ku pykus ds fy, MªkbZfoax ykbZlsal Fkk] Light Goods Vehicle pykus dk MªkbZfoax ykbZlsal ugha FkkA bl izdkj nq?kZVuk fnukad dks pkyd f'kcq nkl ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha FkkA 27- bl izdkj ;g Li"V gS fd ftl le; okgu nq?kZVuk dkfjr gqvk Fkk ml le; okgu pkyd f'kcq nkl ds ikl oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ugha Fkk vkSj bl izdkj ifjoknh }kjk eksVj Oghdy ,DV ,oa chek ikWfylh dh 'krksZa dk mYya?ku dj okgu pyk;k tk jgk FkkA QyLo:Ik ifjoknh fdlh izdkj dh {kfriwfrZ izkIr djus dk vf/kdkjh ugha gSA 28- vihy dzekad&2013@566 ds vihykFkhZ Jhjke VªkaliksVZ Qk;usal daiuh fyfeVsM dsoy Qk;usa'kj gS vkSj og Jhjke tujy ba';ksjsal daiuh // 18 // fyfeVsM ls fHkUu bdkbZ gS vkSj blfy, ;fn nq?kZVuk dkfjr gksus ij chek daiuh }kjk {kfriwfrZ jkf'k iznku ugha fd;k x;k rks mlds fy, Jhjke VªkaliksVZ Qk;ual daiuh fyfeVsM dks mRrjnk;h ugha Bgjk;k tk ldrk vkSj bl laca/k esa ftyk Qksje us tks vkns'k ikfjr fd;k gS og Hkh =qfViw.kZ gSA 29- mijksDr foospuk ds ifjizs{; esa ;g ik;k tkrk gS fd nq?kZVuk fnukad dks pkyd f'kcq nkl ds ikl gYdk eky okgd ;ku pykus ds fy, MªkbZfoax ykbZlsal ugha Fkk vkSj fcuk oS/k ,oa izHkkoh MªkbZfoax ykbZlsal ds okgu dk ifjpkyu fd;k tk jgk Fkk tks fd fuf'pr gh chek ikWfylh dh 'krksZa dk mYya?ku gSA ,slh fLFkfr esa ifjoknh] vukosndx.k ls fdlh izdkj dh {kfriwfrZ ikus dk vf/kdkjh ugha gS vkSj ftyk Qksje us tks {kfriwfrZ dh jkf'k fnyk;k gS og =qfViw.kZ gS vkSj QyLo:Ik ftyk Qksje }kjk ikfjr vkyksP; vkns'k fLFkj j[ks tkus ;ksX; ugha gSA 30- vr% mHk; vihy dzekad&,Q,@2013@568 tks fd vukosnd dzekad&1 Jhjke tujy ba';ksjsal daiuh fyfeVsM dh vksj ls izLrqr fd;k x;k gS rFkk vihy dzekad&,Q,@2013@566 tks fd vukosnd dzekad&2 Jhjke VªkaliksVZ Qk;usal daiuh fyfeVsM dh vksj ls izzLrqr fd;k x;k gS] Lohdkj fd;k tkrk gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&29-08-2013 vikLr fd;k tkrk gSA ifj.kker% ifjoknh dk ifjokn fujLr fd;k tkrk gSA bu vihyksa dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼U;k;ewfrZ vkj-,l-'kekZ½ ¼Mh- ds- iksn~nkj½ ¼ujasnz xqIrk½ v/;{k lnL; lnL;
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