#Fraud in Insurance

Gauhati High Court rules that a motor insurance policy issued after the accident date but backdated is fraudulent and void ab initio, absolving the insurer of liability. The ruling underscores that claimants must recover compensation directly from the vehicle owner, not the insurer, regardless of a prior MACT award.

The NCDRC has ruled that insurers cannot repudiate fire claims based on speculative or unproven theories about the fire's origin. Only when fraud or intentional act by the insured is established does the cause become legally material - a critical safeguard for policyholders against arbitrary claim denials.

Kerala High Court holds that non-disclosure of prior ultrasound scan for kidney stones in cancer policy application amounts to fraudulent suppression under Section 45 of Insurance Act, 1938.