Insurer can't change policy terms unilaterally

The National Commission pointed out that when a change in policy terms is made without a fresh proposal, the insurer must get the insured's consent

Roxy Color Lab had taken two standard fire and special insurance policies from National Insurance to cover its digital colour laboratory, including plant and machinery, office equipment, raw materials, and goods held in trust and trade. The tenures of the two policies overlapped: one was from July 8, 2008 to July 7, 2009, and the other from January 6, 2009 to January 5, 2010. The total risk covered under the two policies was Rs 96 lakh.

The two policies were issued by two separate offices of the same insurer. Later, they were shifted to the same divisional office, but without taking