Jehangir B Gai

Advance premium had to be deposited to secure coverage under Section 64VB of the Insurance Act. Failure to fulfil this obligation meant the risk was not covered

"We undertake to repair/replace all material and manufacturing defects within the warranty period." The National Commission concluded this made it equally responsible for repair or replacement

The National Commission observed that Singh had admittedly defaulted in payment, but there was no evidence to prove that the bank had served a notice prior to repossessing the vehicle

The National Commission noted that critical illness risk should have been included by the insurer to avoid prejudice caused by the discontinuation of this risk

National Commission observed the dispute was for pension benefit for which consideration in the form of contribution had been paid, so the complaint was maintainable

The National Commission held the failure to repay the principal and interest had kept the cause of action alive, hence the complaint couldn't be regarded as time-barred

The National Commission noted that merely because the bank had obtained the previous policy did not absolve the customer of its primary responsibility to obtain coverage

The National Commission concluded that the policy's coverage for flood and inundation would include losses caused by heavy rains

The National Commission observed that the State Commission had blindly relied on Johnson's report without bothering to consider the Institute's report and Dr Mishra's evidence

The National Commission dismissed the police department's defence of discontinuing the premium deductions based on oral instructions, without obtaining a written confirmation

The National Commission ruled that the insurance policy is deemed to be automatically transferred to the purchaser when the vehicle is registered in their name

The National Commission relied on past Supreme Court judgments to conclude that failure to hand over timely possession entitled the allottee to a refund along with interest

The judge ruled that the disclosures in the original plan would remain valid and declared the subsequent eight revisions illegal

The National Commission noted that if the policyholder wanted reinstatement, he should have made a written request and cleared the premiums

National Commission concluded that false and baseless allegations had been made in the complaint to claim a highly exaggerated and atrocious amount of compensation

Citing a Reserve Bank of India circular, the National Commission stated that the liability for honouring a forged cheque vests with the paying bank

The National Commission, on reviewing the Fire and Standard Perils Policy, found that spontaneous combustion is excluded unless additional coverage for it is specially purchased

The SC said that Monga could not be allowed to question the interest rate after having acquiesced by signing the loan agreement

The State Commission concluded the insurer could not take advantage of a typographical error on the bank's part to repudiate a legitimate claim

The National Commission observed that the buyer had categorically denied placing an order or receiving the goods, so the recipient's identity remained unclear