#IDV

The Commission ruled that a 24-day delay in notifying the insurer of a tractor theft does not defeat the claim where the police were informed within 24 hours and the claim was genuine. It awarded the insured declared value with 7% interest from the complaint date plus ₹10,000 costs, reinforcing that prompt police reporting satisfies the policy's intimation requirement.

The West Bengal State Consumer Commission ruled that an insurer cannot repudiate a claim merely for a policy breach (invalid driving licence) unless it directly caused the loss. The Commission awarded 75% of the insured declared value with 7% interest, setting a precedent for non-standard settlements where breach and loss lack proximate causation.