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1 - 6 of 6 (0.32 seconds)The Oriental Insurance Company Ltd vs Smt. Saraswati Bai Sahu 6 Acqa/137/2010 ... on 13 February, 2018
i{kdkjksa ds vf/koDrk
vihykFkhZx.k dh vksj ls Jh ih- ds- ikWy] vf/koDrkA
mRrjoknh vuqifLFkrA
vkns'k
fnukad& 11@04@2018
}kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k
[email protected] us ;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
// 2 //
tk,xk½ ds ifjokn izdj.k dzekad&145@2017 fuf[ky vxzoky fo:}
izca/kd] ;qukbZVsM bafM;k ba';ksjsal daiuh fyfeVsM ,oa ,d vU; esa ikfjr
vkns'k fnukad&09 fnlacj 2016 ftlds }kjk ifjoknh ds ifjokn dks
vkaf'kd :Ik ls Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd vkns'k
fnukad ls ,d ekg dh vof/k ds Hkhrj%&
**v- vukosnd] ifjoknh dks mDr pksjh x;s okgu dk
chfer ewY; 45]823@&¼iSarkyhl gtkj vkB lkS rsbZl
:Ik;s½ ifjokn fnukad&20-03-2015 ls vnk;xh fnukad rd
09 izfr'kr lk/kkj.k okf"kZd C;kt lfgr vnk djsxkA
c- vukosnd] ifjoknh dks mijksDr d`R; ds dkj.k gqbZ
ekufld d"V ds fy, 5]000@&¼ikap gtkj :Ik;s½ vnk
djsxkA
l- vukosnd] ifjoknh dks vf/koDrk 'kqYd rFkk oknO;;
ds :Ik esa 2]000@&¼nks gtkj :Ik;s½ 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 ifjoknh us fnukad&20-10-2012 dks ,d okgu
Liys.Mj izks- eksVj lk;dy dzekad&lh-th- 04 dsts@1348 dz; fd;k Fkk
ftldk ewY; 48]235@&¼vM+rkyhl gtkj nks lkS iSarhl :Ik;s½ Fkk ,oa
vkj- Vh- vks-] ba';kjsal] ,DLVªk okjaVh] gkbZiksfFkdy pktZ xqM ykbZQ lfgr
53]955@&¼frjiu gtkj ukS lkS ipiu :Ik;s½ iM+k FkkA ifjoknh us mDr
okgu dk chek vukosndx.k ds ikl djk;k Fkk ftldk ikWfylh dz-&
190500@31@12@01@00009391 gS tks fnukad&19-10-2012 ls 18-10-
// 3 //
2013 rd ds fy, oS/k FkkA ifjoknh ds mDr okgu dks lqijokbZtj
yfyr lkgw fnukad&20-09-2013 dks vkWfQl@dzs'kj IykaV udVk jksM]
eafnj glkSn esa vkWfQl ds lkeus [kM+h dj pkch dks vkyekjh ds ihNs
dhy esa yxk;k Fkk rc dksbZ vKkr O;fDr pksjh djds ys x;k FkkA okgu
dks ykWd djds j[kk x;k FkkA vkl&ikl irk djus ij okgu dk irk
ugha pyk ftl ij ifjoknh us Fkkuk eafnj glkSn esa fnukad&23-09-2013
dks lwpuk fn;k rFkk vukosnd dz-1 chek daiuh dks Hkh lwpuk fn;k vkSj
Fkkus ds yxkrkj pDdj yxkrs jgus ds ckn Fkkuk eafnj glkSn us
fnukad&30-11-2013 dks [kkRek fjiksVZ ifjoknh dks fn;kA ifjoknh }kjk
chek daiuh ds le{k leLr nLrkostksa lfgr nkok QkeZ tek fd;k fdUrq
vukosnd chek daiuh }kjk ifjoknh dk nkok fnukad&17-06-2014 dks
okgu dh pkch ykijokghiwoZd dhy esa yxk nsus ds vk/kkj ij fujLr dj
fn;k x;kA tcfd ifjoknh }kjk lE;d lrdZrk cjrrs gq, okgu dks
ykWd djds vkWfQl ds lkeus gh [kM+k fd;k Fkk vkSj pkch dks Hkh viuh
fuxjkuh esa j[kk Fkk fQj Hkh pksj }kjk okgu dks pksjh djds ys x;k]
fdUrq chek daiuh }kjk mDr rF;ksa dks /;ku u nsdj ifjoknh dk nkok
fujLr dj fn;k x;k tks fd lsok esa fuEurk ,oa vuqfpr O;kikj izFkk dk
dk;Z gS 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
03- [email protected] dh vksj ls ftyk Qksje ds le{k
fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd eksVj
// 4 //
lk;dy baftu dz-&35212 ,oa psfpl dz-&29184 ds Lokeh }kjk fof'k"V
vuqca/kksa] 'krksZa ,oa fofu;eksa ds rgr fnukad&19-10-2012 ls 18-10-2013
rd dh vof/k ds fy, chek ikWfylh dz-&
190500@31@12@01@00009391 ds }kjk mDr okgu ds fy, chek
vkoj.k izkIr fd;k x;k gS vkSj chek ikWfylh vkSj mldh 'krsZa mHk;i{kksa
ij mlh vuq:Ik esa izHkkoh o ca/kudkjh gS tSlk mDr lafonk dk Lo:Ik
gSA bls fdlh Hkh ifjfLFkfr esa vius bPNkuqlkj ifjofrZr ugha fd;k tk
ldrk gSA izFke lwpuk izfrosnu esa ifjoknh us Lor% ;g mYys[k fd;k gS
fd eksVj lk;dy dks vkWfQl ds lkeus [kM+h fd;k Fkk vkSj pkch dks
vkyekjh ds ihNs dhy esa Vkax fn;k Fkk vkSj fnukad&21-09-2013 dks izkr%
ns[kk rks eksVj lk;dy ugha FkkA bl izdkj Li"V gS fd laiw.kZ
jkf=dkyhu le; esa lqj{kk dk mik; fd, fcuk tksf[ke ysdj lkoZtfud
vkokxeu okys vkWfQl ds dhy ij pkch [kqyk NksM+ fn;k x;k Fkk tks
laHkkfor pksjh dk dkj.k cuk vkSj ifjoknh dk mDr d`R; chek ikWfylh
dh lafonk 'krZ dz-&4 dk ?kksj mYya?ku gSA ifjoknh }kjk okgu pksjh dh
?kVuk fnukad&20-09-2012 dh jkf= ls rhu fnuksa ds ckn fnukad&23-09-
2013 dks vijk/k iathc} djk;k gS ftlds dkj.k iqfyl }kjk okgu <wa<
ikuk laHko uk gksus ls lok nks ekg ds lhfer le;kof/k ds Hkhrj [kkRek
pkd dj fn;k x;kA bl izdkj ifjoknh }kjk tku&cw>dj foyac ls
iqfyl Fkkuk ds le{k rFkkdfFkr ?kVuk dh lwpuk fn;k vkSj foyac ls
lwpuk fn;s tkus ds dkj.k iqfyl us laf{kIr le;kof/k esa ?kVuk dk
[kkRek dj dsoy [kkukiwfrZ dh dk;Zokgh fd;k gSA ifjoknh }kjk okgu
// 5 //
pksjh dh lwpuk vkt Ik;ZUr jhtuy VªkaliksVZ vkWfQlj] jk;iqj dks ugha
fn;k gS tcfd okgu dh ukekarj.k dk;Zokgh dks jksds tkus ds fy, vkj-
Vh- vks- dks lwpuk fn;k tkuk vko';d ,oa vkKkid gSA ifjoknh }kjk
foyac ls lwpuk fn;s tkus ls pksjh dh okLrfodrk Kkr dj ikus ls
oafpr gks xbZ tks fd chek ikWfylh dh fof'k"V lafonk 'krZ dz-&1 ds lkj
fcUnq ds rgr pksjh dh fyf[kr lwpuk rqjar uk fn;s tkus ds dkj.k
lafonk Hkax fd;s tkus dk l'kDr vk/kkj jgk gS vkSj chek daiuh us chek
ikWfylh ds lafonkRed vo;oksa ds vk/kkj ij ifjoknh ds nkos dk
fujkdj.k fd;k gSA bl izdkj vukosndx.k chek daiuh }kjk ifjoknh ds
nkos dks fujLr dj lsok esa fdlh izdkj ls dksbZ deh ugha fd;k gSA
ifjoknh] vukosndx.k ls dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA
vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA
04- mRrjoknh@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje
ds le{k fjVsy buokbZl fnukad&20-10-2012 dh Nk;kizfr ¼,usD'pj
,&1½] lfVZfQdsV vkWQ ba';ksjsal dh Nk;kizfr ¼,usD'pj ,&2½] lfVZfQdsV
vkWQ jftLVsª'ku dh Nk;kizfr ¼,usD'pj ,&3½] izFke lwpuk izfrosnu
fnukad&23-09-2013 dh Nk;kizfr ¼,usD'pj ,&4½] vafre izfrosnu dh
Nk;kizfr ¼,usD'pj ,&5½ rFkk nkok fujLrh i= fnukad&17-06-2014 dh
Nk;kizfr ¼,usD'pj ,&6½]
05- [email protected] dh vksj ls vius i{k leFkZu esa ftyk
Qksje ds le{k chek ikWfylh dh Nk;kizfr ¼,usD'pj vks-ih-&1½] izFke
// 6 //
lwpuk izfrosnu fnukad&23-09-2013 dh Nk;kizfr ¼,usD'pj vks-ih-&2½]
yfyr lkgw dk 'kiFk&i= dh Nk;kizfr ¼,usD'pj vks-ih-&3½] okgu
nq?kZVuk lwpuk&i= fnukad&23-09-2013 dh Nk;kizfr ¼,usD'pj vks-ih-&4½]
eksVj nkok izi= dh Nk;kizfr ¼,usD'pj vks-ih-&5½ rFkk nkok fujLrh i=
fnukad&17-06-2014 dh Nk;kizfr ¼,usD'pj vks-ih-&6½ izLrqr fd;k gSA
06- mHk;i{k dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds
ifj'khyu Ik'pkr~ ftyk Qksje us vkns'k ikfjr djrs gq, 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
07- [email protected] dh vksj ls milatkr gksus okys fo)ku
vf/koDrk Jh ih- ds- ikWy dk rdZ gS fd ftyk Qksje dk vkns'k =qfViw.kZ
gSA ifjoknh us okgu dks lqjf{kr ugha NksM+k FkkA ifjoknh ds vuqlkj gh
mlus okgu dks vkWfQl ds lkeus ikdZ fd;k Fkk vkSj pkch vkyekjh ds
ihNs Vkax fn;k Fkk] tcfd mldk drZO; Fkk fd og okgu dks ykWd dj
pkch vius ikl lqjf{kr j[krk vkSj pkch dks [kqys esa Vkax nsuk bl ckr
dk |ksrd gS fd ifjoknh us okgu dks vlqjf{kr voLFkk esa NksM+k Fkk vkSj
lqj{kk dk leqfpr mik; ugha fd;k Fkk vkSj blfy, ifjoknh us chek
lafonk ds 'krZ dz-&4 dk mYya?ku fd;k gS vkSj vukosndx.k us ifjoknh
ds nkos dks vLohdkj dj fdlh izdkj dh lsok esa dksbZ deh ugha fd;k
gSA vr% vukosndx.k dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje
}kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA vukosndx.k dh vksj ls
// 7 //
vius rdZ ds leFkZu esa Oriental Insurance Company Ltd. Vs. Delhi
Corporation II (2014) CPJ 10 (NC), Shamsur Alam Vs Reliance General
Insurance Co. Ltd. & Anr. II (2016) CPJ 385 (NC), Keshav Natu Mhatre
Vs. New India Assurance Co. Ltd. & Anr. IV (2011) CPJ 135 (NC),
Kailash Chandrakant Bhalerao & Anr. Vs. I.C.I.C.I. Lombard General
Insurance Company Limited III (2015) CPJ 128 (NC) dk voyacu fy;k
gSA
08- mRrjoknh@ifjoknh dks uksfVl tkjh fd;k x;k Fkk ysfdu ml
ij uksfVl rkehy ugha gks jgk FkkA bl ij vkns'k&5 fu;e&20 ¼1d½ lh-
ih- lh- ds varxZr nSfud lekpkj&i= ubZ nqfu;k esa uksfVl dk izdk'ku
djk;k x;k Fkk mlds ckn Hkh mRrjoknh@ifjoknh vuqifLFkr jgk gSA
09- geus [email protected] ds fo)ku vf/koDrk dk rdZ
Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh
ifj'khyu fd;k x;kA
10- ifjoknh us vius ifjokn&i= dh dafMdk&4 esa ;g vfHkopu fd;k
gS fd **ifjoknh ds mDr okgu dks lqijokbZtj yfyr lkgw fnukad&20-
09-2013 dks vkWfQl@dzs'kj IykaV udVk jksM eafnj glkSn esa vkWfQl ds
lkeus okgu eksVj lk;dy LiysaMj izks dks [kM+h dj pkch dks vkyekjh
ds ihNs dhy esa yxk;k Fkk vkSj dksbZ vKkr O;fDr pksjh djds ys x;k
FkkA** ifjokn&i= ds ifj'khyu ls Li"V gS fd ifjoknh us okgu dks
vius lqijokbZtj dks fn;k Fkk vkSj lqijokbZtj }kjk okgu dks vkWfQl ds
// 8 //
lkeus [kM+h dj fn;k Fkk vkSj pkch dks vkyekjh ds ihNs dhy esa NksM+
fn;k Fkk tcfd lqijokbZtj dk drZO; Fkk fd og okgu ykWd djus ds
Ik'pkr~ pkch vius ikl gh j[ks jgrk] ijUrq lqijokbZtj }kjk okgu dh
lqj{kk dk leqfpr mik; ugha fd;k x;k gSA
11- Oriental Insurance Company Ltd. Vs. Delhi Corporation (Supra),
esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%&
"Consumer Protection Act, 1986- Sections 2 (1) (g), 21 (b)- Insurance-
Theft- Reasonable precaution for safety of property- Not taken- Delay
in claim intimation- Violation of conditions of Policy- Claim
repudiated- Alleged deficiency in service- District Forum allowed
complaint- State Commission dismissed appeal- Hence revision- Keys
were taken from under the pillow of concerned employee of
Respondent and thereafter room lock and safety lock were opened by
use of said keys- Opening of safe was done without use of 'threat' or
'violence'- Delay of 31 days in filing FIR and giving intimation to
Insurance Company- Repudiation justified."
Md. Shamsur Alam vs Reliance General Life Insurance Co. ... on 7 January, 2016
12- Shamsur Alam Vs Reliance General Insurance Co. Ltd. & Anr.
(Supra), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%&
"Consumer Protection Act, 1986- Sections 2 (1) (g), 21 (b)- Insurance-
Theft of vehicle - Negligence of driver - Exclusion clause - Claim
repudiated - Alleged deficiency in service - District Forum allowed
complaint - State Commission allowed appeal - Hence revision - Keys
of stolen vehicle was left in the ignition - As per insurance contract it
was obligation of insured to take all reasonable steps to safeguard
vehicle from any loss or damage - It was also the obligation of insured
that insured vehicle should not be left unattended without proper
precaution being taken to prevent further damage or loss -
Repudiation justified."
Mr Keshav Natu Mhatre vs The Manager, New India Assurance Co Ltd on 23 December, 2010
// 9 //
13- Keshav Natu Mhatre Vs. New India Assurance Co. Ltd. & Anr.
(Supra), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%&
"Consumer Protection Act, 1986- Sections 2 (1) (g), 21 (b)- Insurance-
Theft - Claim repudiated - Breach of policy conditions - Forums
dismissed complaint - Hence revision - Contention, petitioner left the
vehicle unattended - Accepted - Mare fact that same was locked will
not make any difference since it was duty of petitioner to have taken
proper care before leaving vehicle on road - Order of For a upheld."
Oriental Insurance Co. Ltd. vs K.K. Valsalan on 7 May, 2014
14- Oriental Insurance Co. Ltd. Vs. K.K. Valsalan III (2014) CPJ 201
(NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%&
"Driver was under obligation to take ignition key of vehicle with him
while going to nearest hotel. Both ignition keys were left in vehicle
which amounts to negligence on part of driver and it can be inferred
that driver left vehicle unattended without proper precaution. Theory
of theft of vehicle is suspicious. Repudiation justified."
Jagdish Parshad vs Icici Lombard General Insurance Co. ... on 14 May, 2013
15. Jagdish Parshad Vs. ICICI Lombard Gen. Insurance Co. Ltd. II
(2013) CPJ 578 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k
x;k gS fd%&
"Negligence on part of complainant by leaving his vehicle unattended
and unlocked is sufficient to hold that there is violation of terms and
conditions of policy. Petitioner nowhere denied that keys were left in
vehicle. Vehicle was not snatched forcibly. Insured had not informed
Insurance Company immediately about alleged theft. Impugned order
upheld."
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