National Insurance Co. Ltd vs V. Chinnamma & Ors on 25 August, 2004
In case of National Insurance Co. Ltd. (supra) cited by
learned counsel for the appellant, the deceased was sitting in the
trailer which was attached to the tractor; and the tractor was only
insured for agriculture purposes, not for commercial purpose,
(Downloaded on 20/04/2021 at 08:13:17 PM)
(7 of 7) [CMA-645/2001]
therefore, no liability was fastened on Insurer where as in the
present case deceased was sitting on the rear side on the bonut
(mudguard) of the tractor and as per the cover note (Ex.9) of
insurance policy, tractor was insured for both agricultural and
commercial purpose. Also in cover note, it is mentioned that the
risk of only one person, i.e., driver is covered by Insurance policy
and the deceased was the person other than the driver who was
sitting on the bonut (mudguard) of the tractor. Therefore, it is
violation of the policy condition and Insurance company is not
ultimately liable but it does not mean that the insurer did not have
initial liability at all.