
Case Law Analysis
|Delhi High Court
No Claim Bonus Verification Failure | Insurer Liable for Proportionate Claim Deduction, Not Full Repudiation : Delhi State Consumer Commission
Delhi State Consumer Commission rules that insurers cannot reject claims outright for undisclosed No Claim Bonus (NCB) if they failed to verify declarations at policy issuance. Instead, insurers must apply proportionate deduction, ensuring fair compensation for policyholders while penalizing insurer negligence in due diligence.