#Marine Cargo Insurance

A discharge voucher signed under protest does not extinguish the insurer’s duty to pay the remaining cargo loss. The Punjab & Haryana HC upheld the consumer forum’s jurisdiction, letting policyholders claim the balance despite partial settlement. This protects insureds from losing residual rights.

The West Bengal State Consumer Commission ruled that an insurer's failure to respond to a claim intimation, even without formal claim forms, amounts to deficiency in service under the Consumer Protection Act. This sets a critical precedent for policyholders in marine and general insurance, affirming that procedural inaction is actionable misconduct, not mere administrative delay.