#insurance exclusion clause

Himachal Pradesh High Court rules insurers cannot escape Motor Vehicles Act liability without proving breach of insurance terms, shifting the burden to prove unauthorized passenger status. The ruling strengthens claimants' rights in fatal accident compensation disputes under Section 166.

NCDRC rules that insurers must not only prove the applicability of exclusion clauses but also demonstrate that the terms were adequately explained to the insured. Failure to do so renders claim repudiation deficient service, entitling the insured to compensation under the Consumer Protection Act.