State Consumer Disputes Redressal Commission
Cholamandalam M.S.Gen.Insurance ... vs Yashwant Lal Sahu & Ors. on 24 July, 2017
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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh nhis'k dqekj FkokbZr] vf/koDrkA mRrjoknh dzekd&1 dh vksj ls Jh HkwisUnz tSu] vf/koDrkA mRrjoknh dzekad&2 dh vksj ls Jh lkSjHk 'kqDyk] vf/koDrkA mRrjoknh dzekad&3 vuqifLFkrA // 2 // vkns'k fnukad% 24@07@2017 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@vukosnd dz-1 uss ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] jk;iqj ¼N-x-½ ¼ftls vkxs laf{kIr esa **ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&56@2014 ;'koar yky lkgw fo:} pksyke.Mye tujy ba';ksjsal daiuh fyfeVsM ,oa nks vU; esa ikfjr vkns'k fnukad&09 vxLr 2016 ftlds }kjk mRrjoknh dz-1@ifjoknh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%& **v- vukosnd dz-1 chek daiuh] ifjoknh dks 4]59]600@&¼pkj yk[k mulB gtkj N% lkS :Ik;s½ ifjokn fnukad&07-01-2014 ls vnk;xh fnukad rd 9 izfr'kr lk/kkj.k okf"kZd C;kt lfgr vnk djsxkA ifjoknh iz'uk/khu okgu dk lkYost vukosnd dz-1 chek daiuh dks okil djsxkA c- vukosnd dz-1 chek daiuh] ifjoknh dks mijksDr d`R; ds dkj.k gqbZ ekufld d"V ds fy, 10]000@&¼nl gtkj :Ik;s½ Hkh vnk djsxkA l- vukosnd dz-1 chek daiuh] ifjoknh dks vf/koDrk 'kqYd rFkk oknO;; ds :Ik esa 3]000@&¼rhu gtkj :Ik;s½ Hkh vnk djsxkA** // 3 // ls nqf[kr gksdj izLrqr fd;k gSA 02- mRrjoknh dz-1@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd mRrjoknh dz-1@ifjoknh ,d okgu VsEiks VsªDl rqQku dzekad&lh-th- 04 ,plh@8490 dk Lokeh gSA mDr okgu dks mRrjoknh dz-1@ifjoknh }kjk mRrjoknh dz-2@vukosnd dz-2 pksyke.Mye QkbZusal daiuh ls QkbZusal ,oa uxn jkf'k vnk dj dz; fd;k Fkk tks fd iwoZ esa nkuhjke lkgw ds uke ls iathd`r ,oa chfer Fkk ftls mRrjoknh dz-2@vukosnd dz-2 }kjk iqu% QkbZusal dj iznku fd;k x;k Fkk vkSj QkbZusal Ik'pkr~ mRrjoknh dz-2@vukosnd dz-2 Qkbusal daiuh }kjk okgu dk iath;u izek.k&i= dh Nk;kizfr iznku fd;k x;k FkkA mRrjoknh dz-1@ifjoknh dh mDr okgu dk chek vihykFkhZ@vukosnd dz-1 }kjk mRrjoknh dz-3@vukosnd dz-3 ds uke ls fnukad&17-06-2012 dks dOgj uksV dzekad&8913073 ds ek/;e ls chek fd;k x;k Fkk ftldk chek ikWfylh dzekad&3362@00648410@000@01 ,oa chek vof/k fnukad&17-06-2012 ls 16-06-2013 rd FkhA okgu dz; Ik'pkr~ mRrjoknh dz-2@vukosnd dz-2 }kjk mRrjoknh dz-1@ifjoknh dks nkuhjke lkgw ds uke dh chek ikWfylh iznku dh xbZ Fkh vkSj chek ikWfylh esa uke ifjorZu ds dFku ij okgu uke VªkalQj ds ckn Loeso gh chek VªkalQj gks tkus dk dFku fd;k x;k vkSj okgu dk chek VªkalQj ugha djok;k x;k rc mRrjoknh dz-1@ifjoknh }kjk vihykFkhZ@vukosnd dz-1 ls laidZ dj fnukad&03-01-2013 dks mDr okgu dz; dh lwpuk // 4 // iznku dj chek VªkalQj dk fuosnu fd;k ftls Lohdkj dj ikorh iznku dh rFkk dqN fnuksa Ik'pkr~ uohu ikWfylh iznku djus dk dFku fd;k fdUrq iznku ugha fd;k x;k vkSj fnukad&10-01-2013 dks ,d fyf[kr vkosnu is'k djus ij uohu chek ikWfylh iathd`r Mkd ds ek/;e ls Hkstus dk dFku fd;k ijUrq vkt fnukad rd ugha fn;k x;kA mRrjoknh dz-1@ifjoknh dh mDr okgu fnukad&18-02-2013 dks vius ifjokj ds lnL;ksa ds lkFk loZeaxyk eafnj esa n'kZu dj okil ykSVrs le; jkr 9%30 cts xzke Fkkuk dV?kksjk] ftyk dksjck ds ikl vpkud okgu esa 'kkWV&lfdZV ds dkj.k vkx yxus ls iw.kZr% tydj {kfrxzLr gks x;k ftldh lwpuk rRdky fnukad&18-02-2013 dks Fkkuk dV?kksjk esa nh xbZ ftl ij vkxtuh ekeyk dzekad&4@13 ntZ dj foospuk vkjaHk dh xbZ rFkk fnukad&25-02-2013 dks tkap ds nkSjku fdlh Hkh laKs; vijk/k dk ?kfVr gksuk uk ikus ds dkj.k vafre tkap fu"d"kZ ds :Ik esa izdj.k dk Mk;jh [kkRek fd;k x;kA chek daiuh ,oa QkbZusal daiuh dks Hkh mRrjoknh dz-1@ifjoknh }kjk mDr nq?kZVuk dh lwpuk vkxkeh dk;Z fnol dks nh xbZ vkSj nkok izLrqr fd;k x;k rc dqN nLrkostksa dh ekax dh xbZ ftls mRrjoknh dz-1@ifjoknh }kjk izLrqr dj fn;k x;k fdUrq vkt fnukad rd mDr nkos dk Hkqxrku ugha fd;k x;kA mRrjoknh dz-1@ifjoknh }kjk vius {kfr dh iwfrZ uk gksus ij ekg vxLr esa laidZ dj iqu% chek daiuh ds }kjk mDr nLrkostksa ds vU; QkbZyksa esa uLrh gks tkus dk dFku dj laiw.kZ nLrkostksa ds izfr dh ekax dh xbZ ftl ij mRrjoknh dz- 1@ifjoknh }kjk fnukad&11-09-2013 dks iqu% leLr nLrkost ,oa eksVj // 5 // nkok izi= iathd`r Mkd ds ek/;e ls chek daiuh dks izsf"kr fd;k ijUrq mlds ckn Hkh vkt fnukad rd nkos dk Hkqxrku ugha fd;k x;kA mRrjoknh dz-1@ifjoknh }kjk vius vf/koDrk ds ek/;e ls lwpuk izsf"kr dj nkos ds 'kh?kz fujkdj.k dh ekax dh xbZ fdUrq vkt fnukad rd nkos dk Hkqxrku ugha fd;k x;k ftlds dkj.k mRrjoknh dz-1@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 dz-1 ,oa mRrjoknh dz-2@vukosnd dz-2 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd ikWfylh dzekad&3362@00648410@000@01 fnukad&17- 06-2012 ls fnukad&26-06-2013 rd ikWfylh dh 'krksZa] fu;eksa] izko/kkuksa rFkk eksVj ;ku vf/kfu;e ds vuqlkj nkuhjke lkgw ds uke ls chekd`r gSA mDr chek /kkjd ;k mRrjoknh dz-1@ifjoknh ds }kjk okgu ds dz;&fodz; dh dksbZ lwpuk chek dk;kZy; esa ugha fn;k gS vkSj ;fn okgu ds dz; dh lwpuk fn;k x;k gksrk rks okgu ds dz; fd;s tkus ds Ik'pkr~ chek daiuh dks u;s okgu Lokeh dk uke ikWfylh esa ntZ djkus gsrq fu/kkZfjr 'kqYd tek fd;k gksrk vkSj mDrkuqlkj jde vnk;xh dh jlhn Hkh vkt fnukad rd Qksje ds le{k izLrqr ugha fd;k gS D;ksafd chek /kkjd ds uke ifjorZu gsrq dksbZ jkf'k vnk gh ugha fd;k gSA mRrjoknh dz-1@ifjoknh }kjk chek dk;kZy; esa nkok izi= gh tek ugha fd;k gS vkSj vlR; dFkuksa ds vk/kkj ij nkok izLrqr fd;k gSA ;g lkekU; fl}kar gS // 6 // fd okgu ds iath;u dk;kZy; esa okgu Lokeh dk uke ntZ gksus ds ckn gh chek ikWfylh esa u;s okgu Lokeh dk uke ntZ fd;k tk ldrk gSA mRrjoknh dz-1@ifjoknh ds fdlh Hkh nLrkost ds vk/kkj ij ;fn Qksje bl fu"d"kZ ij igaqprh gS fd mRrjoknh dz-1@ifjoknh okgu dh {kfr gsrq dksbZ Hkh jkf'k vukosnd dz-1 ,oa 2 ls izkIr djus dk vf/kdkjh gS rc vukosnd dz-1 ,oa 2 ds }kjk djk;s x;s losZ fjiksVZ ls vf/kd jkf'k ds fy, vukosnd dz-1 ,oa 2 ftEesnkj ugha gSaA ikWfylh dzekaad&3362@00648410@000@01 fnukad&17-06-2012 ls 16-06-2013 rd ikWfylh 'krksZa] fu;eksa] izko/kkuksa ,oa eksVj ;ku vf/kfu;e ds vuqlkj nkuhjke lkgw ds uke ls chekd`r gSA mDr ikWfylh ds 'krksZa ,oa eksVj ;ku vf/kfu;e ds mYya?ku esa okgu pyk;s tkus ds dkj.k vukosnd dz-1 ,oa 2 fdlh Hkh {kfriwfrZ ds fy, mRrjnk;h ugha gSA okgu ds of.kZr fodz; fd;s tkus ds ckn okgu ds chek ikWfylh esa u;s okgu Lokeh dk uke ntZ djkus gsrq fu/kkZfjr 'kqYd 50@&¼ipkl :Ik;s½ Hkh mRrjoknh dz- 1@ifjoknh }kjk vkt fnukad rd vnk ugha fd;k gS vkSj bl dkj.k mRrjoknh dz-1@ifjoknh dk uke chek ikWfylh esa ntZ ugha gSA mRrjoknh dz-1@ifjoknh }kjk lqlaxr nLrkost ,oa ikWfylh esa uke ifjorZu gsrq fu/kkZfjr 'kqYd tek ugha fd;s tkus ds dkj.k mRrjoknh dz-1@ifjoknh dk nkos dk fujkdj.k ugha gks ldk vkSj pwafd mRrjoknh dz-1@ifjoknh us fu/kkZfjr 'kqYd vnk ugha fd;k gS blfy, dk;kZy; fjdkMZ ds vuqlkj mRrjoknh dz-1@ifjoknh chek/kkjd ugha gS vkSj blfy, mRrjoknh dz- 1@ifjoknh dks {kfr/ku izkIr ugha gqvk gS vkSj vukosnd dz-1 ,oa 2] // 7 // mRrjoknh dz-1@ifjoknh ds chek/kkjd ugha gksus ls {kfr/ku dk Hkqxrku uk dj fdlh izdkj ls lsok esa fuEurk ugha fd;k gSA vr% mRrjoknh dz- 1@ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 04- mRrjoknh dz-3@vukosnd dz-3 dks vusd volj fn;s tkus ds ckn Hkh mRrjoknh dz-3@vukosnd dz-3 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr ugha fd;k x;k vkSj ftlds dkj.k mRrjoknh dz- 3@vukosnd dz-3 ds fyf[kr dFku izLrqr djus dk volj lekIr fd;k x;k gSA 05- mRrjoknh dz-1@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k chek ikWfylh esa uke p<+kus ckor~ izLrqr vkosnu&i= fnukad&03-01-2013] 10-01-2013] {kfr nkok Hkqxrku djus gsrq izsf"kr i= fnukad&11-09-2013] vf/koDrk uksfVl fnukad&22-10-2013] iksLVy jlhn ,oa izkfIr Lohd`fr jlhn] lfVZfQdsV vkWQ jftLVsª'ku] chek ikWfylh] iqfyl vafre tkap fu"d"kZ izfrosnu] uqdlkuh iapukek] lEifRr tIrh i=d] dzkbZe fMVsYl QkeZ] lqiqnZukek ikorh fnukad&19-02-2013] jkstukepk lkUgk] MªkbZfoax ykbZlsal] chek daiuh }kjk nkuh jke lkgw dks izsf"kr i= fnukad&24 twu 2013] jk;iqj MhtYl ,.M vkWVkseksckbZYl dk ,fLVesV fnukad&04-03-2013 dh Nk;kizfr rFkk nq?kZVukxzLr okgu dk QksVksxzk¶l izLrqr fd;k gSA // 8 // 06- vihykFkhZ@vukosnd dz-1 dh vksj vius i{k leFkZu esa ftyk Qksje ds le{k chek ikWfylh dh izekf.kr izfr rFkk losZ;j fjiksVZ dh Nk;kizfr izLrqr fd;k gSA 07- ftyk Qksje us mHk;i{k dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu ds Ik'pkr~ mRrjoknh dz-1@ifjoknh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftlds fo:} ;g vihy gSA 08- vihykFkhZ@vukosnd dz-1 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh nhis'k dqekj FkokbZr dk rdZ gS fd okgu iwoZ esa nkuh jke lkgw ds uke ij chfer FkkA mRrjoknh dz-1@ifjoknh us chek ikWfylh esa nkuh jke lkgw ds LFkku ij viuk uke varfjr djkus gsrq 14 fnol ds Hkhrj dksbZ dk;Zokgh ugha fd;k Fkk vkSj uk gh fu/kkZfjr 'kqYd 50@&¼ipkl :Ik;s½ vnk fd;k Fkk rFkk okgu Lokeh ,oa Qk;usal daiuh dk vukifRr izek.k&i= ikWfylh esa uke ifjorZu gsrq izLrqr ugha fd;k Fkk vkSj iwoZ chek /kkjd dks N.C.B. (No Claim Bonus) iznku ugha fd;k tk ldrk vkSj u;s okgu Lokeh }kjk iziksty QkeZ tek djus ij fu/kkZfjr izhfe;e tek djuk iM+rk gS ijUrq mRrjoknh dz-1@ifjoknh }kjk bl izdkj dh dksbZ dk;Zokgh ugha fd;k x;k vkSj iz'uk/khu okgu ij nq?kZVuk fnukad dks mRrjoknh dz-1@ifjoknh dk Insurable Interest ¼chek fgr½ ugha Fkk blfy, nkos dks vLohdkj dj chek daiuh }kjk fdlh izdkj dh lsok // 9 // esa deh ugha fd;k x;k gSA ftyk Qksje dk vkns'k =qfViw.kZ gSA vr% vihykFkhZ@vukosnd dz-1 dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA 09- mRrjoknh dz-1@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh HkwisUnz tSu dk rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% fof/k lEer gSA mRrjoknh dz-1@ifjoknh }kjk fu;ekuqlkj vkosnu&i= vihykFkhZ@vukosnd dz-1 dks chek ikWfylh esa uke ifjorZu djkus gsrq izLrqr fd;k Fkk] ijUrq chek daiuh }kjk dksbZ dk;Zokgh ugha fd;k x;kA mRrjoknh dz-1@ifjoknh us viuh vksj ls fu/kkZfjr vof/k esa uke VªkalQj djkus gsrq dk;Zokgh dj fn;k Fkk vkSj blfy, chek daiuh dk drZO; Fkk fd chek ikWfylh esa mRrjoknh dz-1@ifjoknh dk uke nkuh jke lkgw ds LFkku ij vafdr djrk vkSj bl izdkj dksbZ dk;Zokgh ugha dj vihykFkhZ@vukosnd dz-1 }kjk lsok esa deh fd;k x;k gSA blfy, ftyk Qksje dk tks vkns'k gS og iw.kZr% mfpr gS] mlesa fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gSA vr% vihykFkhZ@vukosnd dz-1 dh vihy fujLr fd;k tkosA 10- mRrjoknh dz-2@vukosnd dz-2 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh lkSjHk 'kqDyk dk rdZ gS fd ftyk Qksje us mRrjoknh dz-2@vukosnd dz-2 dks nkf;Ro ls eqDr dj mfpr vkns'k ikfjr fd;k // 10 // gSA vr% vihykFkhZ@vukosnd dz-1 dh vihy mRrjoknh dz-2@vukosnd dz-2 ds laca/k esa fujLr fd;k tkosA 11- mRrjoknh dz-3@vukosnd dz-3 nkuh jke lkgw uksfVl rkehyh ds ckn Hkh mifLFkr ugha gSA 12- 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;k x;kA 13- vihykFkhZ@vukosnd dz-1 chek daiuh dk eq[; vk{ksi ;g gS fd okgu nkuh jke lkgw ds uke ij Fkk vkSj mRrjoknh dz-1@ifjoknh us nkuh jke lkgw ds LFkku ij viuk uke varfjr djkus laca/kh dksbZ dk;Zokgh ugha fd;k gS vkSj uk gh fu/kkZfjr 'kqYd vnk fd;k gS vkSj ,slh fLFkfr esa mRrjoknh dz-1@ifjoknh dk Insurable Interest ¼chek fgr½ ugha Fkk vkSj blfy, vihykFkhZ@vukosnd dz-1 chek daiuh {kfriwfrZ ds fy, nkf;Rok/khu ugha gSA vihykFkhZ@vukosnd dz-1 dk mDr rdZ Lohdkj fd;s tkus ;ksX; ugha gSA 14- mRrjoknh dz-1@ifjoknh us vius ifjokn&i= dh dafMdk&2 esa ;g vfHkopu fd;k gS fd **ifjoknh ,d okgu VsEiks VsªDl rqQku dzekad&lh- th- 04 ,p-lh-@8490 dk Lokeh gS ftls vukosnd dzekad&2 pksyke.Mye QkbZusal daiuh ls QkbZusal ,oa uxn jkf'k vnk dj dz;
// 11 // fd;k Fkk vkSj tks iwoZ esa nkuh jke lkgw ds uke ij iathd`r Fkk vkSj chfer Fkk vkSj vukosnd dz-2 }kjk iqu% QkbZusal dj iznku fd;k x;k Fkk** rFkk ifjokn&i= dh dafMdk&3 esa ;g vfHkopu fd;k gS fd **okgu dk chek vukosnd dzekad&1 pksyke.Mye tujy ba';ksjsal daiuh ds }kjk vukosnd dzekad&3 nkuh jke lkgw ds uke ls fnukad&17-06-2012 dks dOgj uksV dzekad&8913073 ds ek/;e ls chek fd;k x;k FkkA ftlds Ik'pkr~ dqN fnuksa ds Ik'pkr~ chek daiuh ds }kjk ek= ,d ist dh fu;e o 'krZ jfgr chek ikWfylh tkjh dh xbZ Fkh ftldk dzekaad&3362@00648410@000@01 ,oa chek vof/k fnukad&17-06-2012 ls ysdj fnukad&16-06-2013 rd FkhA** mRrjoknh dz-1@ifjoknh us ;g Hkh vfHkopu fd;k gS fd **ifjoknh }kjk okgu dz; o iath;u fnukad ds 03 fnol ds Ik'pkr~ Hkh chek VªkalQj u gksus ij Lo;a vukosnd dzekad&1 ba';ksjsal daiuh esa laidZ dj fnukad&03-01-2013 dks okgu dz; dh lwpuk iznku dj chek dk VªkalQj djus dk fuosnu fd;k FkkA** mRrjoknh dz- 1@ifjoknh dh vksj ls i= fnukad&03-01-2013 ,oa 10-01-2013 izLrqr fd;k x;k gSA bu nksuksa i=ksa esa ;g mYysf[kr gS fd **mlus okgu dks fnukad&30-11-2012 dks pksyke.Mye Qk;usal ls mDr okgu dks iqu% Qk;usal ds ek/;e ls dz; fd;k gS vkSj iathd`r Lokeh nkuh jke lkgw gS vkSj mlds iath;u dh dk;Zokgh gsrq iath;u dk;kZy; esa dk;Zokgh dj jgk gS vkSj okgu ds chek ikWfylh esa nkuh jke lkgw ds uke ds LFkku ij mldk uke vafdr fd;k tkosA ** // 12 // 15- /kkjk&157 eksVj ;ku vf/kfu;e] 1988] esa crk;k x;k gS fd%& **/kkjk&157- chek izek.ki= dk varj.k& ¼1½ tgka dksbZ O;fDr] ftlds i{k esa ml v/;k; ds mica/kksa ds vuqlkj chek izek.k&i= fn;k x;k gS] ml eksVj ;ku dk LokfeRo] ftldh ckcr~ ,slk chek fy;k x;k Fkk] mlls lacaf/kr chek ikWfylh lfgr] fdlh vU; O;fDr dks varfjr djrk gS ogka chek izek.ki= vkSj izek.ki= esa of.kZr ikfylh ml O;fDr ds i{k esa] ftls eksVj ;ku varfjr fd;k x;k gS] mlds varj.k dh rkjh[k ls izHkko'khy :Ik ls varfjr le>h tk,xhA Li"Vhdj.k&lUnsgksa dks nwj djus ds fy,] ,rn~ }kjk ;g ?kksf"kr fd;k tkrk gS fd ,sls ekus x;s vUrj.k esa chek ds mDr izek.k&i= vkSj chek ikWfylh ds vf/kdkjksa vkSj nkf;Roksa dk vUrj.k 'kkfey gksxkA ¼2½ varfjrh] fofgr iz:Ik esa] varj.k dh rkjh[k ls pkSng fnu ds Hkhrj] chek izek.ki= vkSj izek.ki= esa of.kZr ikfylh esa mlds i{k esa varj.k ds rF; dh ckcr~ vko';d ifjorZu djus ds fy, chekdrkZ dks vkosnu djsxk vkSj chekdrkZ izek.ki= esa rFkk chek dh ikfylh esa chek ds varj.k dh ckcr~ vko';d ifjorZu djsxkA** 16- th- vkj- 17& VaªklQlZ esa ;g crk;k x;k gS fd%& "GR.17 - Transfers // 13 // On transfer of ownership, the Liability Only cover, either under a Liability Only policy or under a Package policy, is deemed to have been transferred in favour of the person to whom the motor vehicle is transferred with effect from the date of transfer.
The transferee shall apply within fourteen days from the date of transfer in writing under recorded delivery to the insurer who has insured the vehicle, with the details of the registration of the vehicle, the date of transfer of the vehicle, the previous owner of the vehicle and the number and date of the insurance policy so that the insurer may make the necessary changes in his record and issued fresh Certificate of Insurance in case of Package Policies, transfer of the "Own Damage" section of the policy in favour of the transferee, shall be made by the insurer only on receipt of a specific request from the transferee along with consent of the transferor. If the transferee is not entitled to the benefit of the No Claim Bonus (NCB) shown on the policy, or is entitled to a lesser percentage of NCB than that existing in the policy, record of the difference between the transferee's entitlement, if any, and that shown on the policy shall be made before effecting the transfer. A fresh Proposal Form duly completed is to be obtained from the transferee in respect of both Liability Only and Package Policies. Transfer of Package Policy in the name of transferee can be done only on getting acceptable evidence of sale and a fresh proposal form duly filled and signed. The old Certificate of Insurance for the vehicle, is required to be surrendered and a fee of Rs.50/- is to be collected for issue of fresh Certificate in the name of the transferee. If for any reason, declaration to that effect is to be taken from the transferee before a new Certificate of Insurance is issued."
// 14 // 17- vc ;g ns[kuk gS fd D;k mRrjoknh dz-1@ifjoknh us /kkjk&157 eksVj ;ku vf/kfu;e] 1988 ,oa th- vkj-&17 ds izko/kku ds vuqlkj uke varfjr djkus gsrq fu/kkZfjr vof/k esa dk;Zokgh fd;k Fkk\ 18- /kkjk&157 eksVj ;ku vf/kfu;e] 1988] ,oa th- vkj&17 ds ifj'khyu ls Li"V gS fd dksbZ O;fDr ftlds i{k esa chek izek.k&i= fn;k x;k gS] ;fn okgu dks fdlh vU; O;fDr dks varfjr djrk gS rks chek izek.ki= vkSj izek.ki= esa of.kZr ikfylh ml O;fDr ds i{k esa] ftls eksVj ;ku varfjr fd;k x;k gS] mlds varj.k dh rkjh[k ls izHkko'khy :Ik ls varfjr le>h tk,xh rFkk /kkjk&157 eksVj ;ku vf/kfu;e] 1988] dh mi /kkjk&2 ds vuqlkj varfjrh] fofgr iz:Ik esa] varj.k dh rkjh[k ls pkSng fnu ds Hkhrj izek.k i= ,oa ikfylh ds varj.k ckor~ vkosnu djsxkA 19- mRrjoknh dz-1@ifjoknh us vius ifjokn&i= esa ;g dgha Hkh mYysf[kr ugha fd;k gS fd mlus okgu dks nkuh jke lkgw ls ;k pksyke.Mye buosLVesaV ,oa Qkbusal daiuh fyfeVsM ls Qkbusal djkdj dc dz; fd;k Fkk vkSj vius ifjokn&i= dh dafMdk&3 esa ;g vfHkopu fd;k gS fd nkuh jke lkgw ds uke esa fnukad&17-06-2012 dks dOgj uksV tkjh fd;k x;k FkkA mRrjoknh dz-1@ifjoknh dh vksj ls tks lfVZfQdsV vkWQ jftLVªs'ku izLrqr fd;k x;k gS og iBuh; ugha gSA iwoZ esa ;g okgu nkuh jke lkgw ds uke Ikj iathd`r Fkk vkSj mRrjoknh dz-1@ifjoknh ;'koar yky lkgw ds uke ij dc varfjr gqvk gS ;g Li"V ugha gks jgk gS // 15 // ijUrq gkFk ls fy[kk gqvk gS fd fnukad&07-01-2013 dks mRrjoknh dz- 1@ifjoknh ds uke ij varfjr gqvk gSA 20- mRrjoknh dz-1@ifjoknh us fnukad&03-01-2013 ,oa 10-01-2013 dk tks i= izLrqr fd;k gS mlesa okgu dks fnukad&30-11-2012 dks pksyke.Mye Qk;usal ls Qk;usal ds ek/;e ls dz; djuk crk;k gSA bl izdkj mRrjoknh dz-1@ifjoknh us uke varfjr djkus gsrq vkosnu&i= fnukad&03-01-2013 izLrqr fd;k Fkk tcfd mRrjoknh dz-1@ifjoknh dks 14 fnu ds Hkhrj vkosnu izLrqr dj nsuk pkfg, FkkA mRrjoknh dz- 1@ifjoknh }kjk izLrqr nLrkost iqfyl tkap izfrosnu ds ifj'khyu ls Li"V gS fd nq?kZVuk fnukad&18-02-2013 dks gqvk Fkk vkSj mlh fnu mRrjoknh dz-1@ifjoknh us lacaf/kr Fkkus esa fjiksVZ fd;k Fkk vkSj mRrjoknh dz-1@ifjoknh }kjk fnukad&03-01-2013 dks vFkkZr~ nq?kZVuk ds dkQh iwoZ gh chek daiuh dks vkosnu&i= izLrqr dj fn;k Fkk vkSj ,slh fLFkfr esa chek daiuh dk ;g drZO; Fkk fd og chek ikWfylh esa mRrjoknh dz-1@ifjoknh dk uke varfjr djrkA ;fn eku ysa fd mRrjoknh dz- 1@ifjoknh }kjk 'kqYd tek ugha fd;k Fkk rks chek daiuh dks mRrjoknh dz-1@ifjoknh dks funsZf'kr djuk Fkk fd og fu/kkZfjr 'kqYd varj.k ckor~ tek djs] ijUrq chek daiuh }kjk bl izdkj dh dksbZ dk;Zokgh ugha fd;k x;k] tcfd lfVZfQdsV vkWQ jftLVªs'ku esa mRrjoknh dz-1@ifjoknh dk uke varfjr gks x;k Fkk vkSj mRrjoknh dz-1@ifjoknh }kjk gkykafd foyac ls vkosnu&i= izLrqr fd;k x;k gS] ijUrq nq?kZVuk ds dkQh iwoZ chek // 16 // daiuh dks lwfpr dj fn;k x;k Fkk vkSj bu lc ifjfLFkfr;ksa dks ns[krs gq, chek daiuh dk ;g drZO; Fkk fd og mRrjoknh dz-1@ifjoknh dk uke chek ikWfylh esa nkuh jke lkgw ds uke ds LFkku ij varfjr djrk ijUrq bl izdkj dh dksbZ dk;Zokgh chek daiuh }kjk ugha fd;k x;k gS tks fd fuf'pr gh chek daiuh dh lsok esa deh dk |ksrd gSA 21- mRrjoknh dz-1@ifjoknh us okgu dks fnukad&30-11-2012 dks dz; fd;k Fkk vkSj iwoZ esa okgu nkuh jke lkgw ds uke ij ntZ Fkk vkSj tks ikWfylh tkjh fd;k x;k Fkk mlesa okgu dk chfer ewY; 6]12]800@&¼N% yk[k ckjg gtkj vkB lkS :Ik;s½ gksuk crk;k x;k gS rFkk iqfyl tkap izfrosnu esa okgu dks iw.kZ :is.k tyuk crk;k x;k gSA losZ;j us {kfr dk vkadyu 4]86]502@&¼pkj yk[k fN;klh gtkj ikap lkS nks :Ik;s½ fd;k gS vkSj ftyk Qksje us Non Standard ¼vekud½ vk/kkj ij 4]59]600@&¼pkj yk[k mulB gtkj N% lkS :Ik;s½ {kfriwfrZ fnyk;k gS tks fd losZ;j fjiksVZ dks ns[krs gq, mfpr izrhr gksrk gSA 22- ftyk Qksje us tks fu"d"kZ fudkyk gS og iw.kZr% mfpr gSA mlesa fdlh izdkj dh vfu;ferk ,oa voS/kkfudrk ugha gS vkSj uk gh fdlh izdkj ds gLr{ksi dh vko';drk gSA 23- vr% ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&09 vxLr 2016 dh iqf"V djrs gq, vihykFkhZ@vukosnd dz-1 dh vihy lkjghu gksus // 17 // ls fujLr fd;k tkrk gSA bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼U;k;ewfrZ vkj-,l-'kekZ½ ¼Mh- ds- iksn~nkj½ ¼ujsanz xqIrk½ v/;{k lnL; lnL;
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