Rule change doesn't mean claim denial

The insurer claimed that the policyholder did not have a valid driving licence

The requirements for settlement of claims is not uniform, but varies upon the type of policy and its purpose. Chandrakant Bande was an agriculturist at Koregaon Bhivar village in Pune District. He was covered under the ‘Farmers Personal Accident Insurance Scheme’ of the Government of Maharashtra, which had obtained coverage from ICICI Lombard General Insurance.

Chandrakant met with an accident on December 21, 2005. His widow Lalita lodged a claim for Rs 1 lakh. The insurer repudiated the claim on the ground that Chandrakant did not hold a valid driving licence when the accident occurred. As the claim was not