Consumer Protection Act, 1986, Section 2(1),(g) -- Mediclaim policy - Exclusion clause - Insurance claim - Repudiation - Hospitalisation & Domiciliary hospitalisation Benefit Policy obtained covering the risk for the year 1992 - The policy was taken further for the year 93-94, 94-95 and 95-96 - In the year 1995 claim for Rs. 12,800/- for treatment of disease paid - Claim..........
Insurance policy -- Payment of premium - Grace period - Delay in issuing the policy beyond the period when half yearly premium had fallen due prior to issue of the policy - Held that the LIC cannot take advantage of its own delay and the grace period would be available to the insured after the receipt of the policy...........
Insurance claim -- Claim under accidental benefits - Exclusion clause - Policy holder died alongwith his son by drowning - Claim of Rs.1,00,000/- alongwith bonus admissible in favour of the complainant settled but the benefit of the accident which is allegedly covered under the policy not given by relying on exclusion clause - Held that the exclusion clause under clause..........
Insurance claim -- Repudiation - Ground that the complainant had violated the terms and conditions of the policy - Question for consideration is whether vehicle was being driven by licenced driver or not - Complainant contending that if a driver hands over the vehicle to some other person to drive who had driving licence then it will not be the breach of condition of the..........
Consumer Protection Act, 1986, Section 2(1),(g), Motor Vehicles Act, 1988, Section 14(2),(Proviso) -- Insurance claim - Repudiation - On the ground of exclusion clause in the policy of insurance in question - Complainant's licence expired on 21.7.1992 - Accident occurred on 20.8.1992 - Licence renewed on 8.9.1992 - Held that in view of proviso to sub-Section (2) of Section..........
Policy deposit -- Refund - Deficiency in service - Refusal to refund the amount of first instalment paid on the ground that policy lapsed - The branch of company closed and it was opened after five years - Held that being out of picture for five years without any forwarding address and then blaming the complainant for not depositing the amount of instalment is major..........
Consumer Protection Act, 1986, Section 2(1),(r) -- Insurance claim Unfair trade practice - Brackish Water Prawn Insurance - Repudiation - Contention of the Insurance company that the policy expired repelled - Repudiation of the claim held unjust - OPs kept back the insurance policies with them only with a view to reduce the sums insured or the period of risk to suit their..........
Insurance claim -- Floater Fire Policy - Non settlement of claim - The exhibition ground where the Stock of the complainant Ashram were lost in fire was neither specified in the annexure to the policy nor even remotely inferred to find mention in alleged letter written on 3.10.1991 - Held that insurance policy is a contract of good faith - The complainant has failed to..........
Motor Vehicles Act, 1988, Section 147 -- Insurance policy covering third party risk is not required to exclude gratuitous passengers in vehicle of any type or class - Insurer is liable to pay...........
Insurance policy -- Date of commencement - Where there is no time of commencement of the policy indicated then the policy would commence on the commencement of the date of insurance, i.e. from the midnight of the date...........
