#Policy Exclusion

Insurers may not rely on informal security measures not written into the policy to deny coverage, and a corporate entity is recognised as a consumer under the Consumer Protection Act. The commission awarded the claimant Rs 44.53 lakh with interest and costs. This ruling mandates that policy exclusions be expressly documented and extends consumer protections to corporate borrowers.

The Delhi High Court upheld a ₹13.92 lakh theft claim despite delayed intimation to the insurer, ruling that prompt FIR filing and corroborated loss through police reports and computerized stock records satisfy policy conditions. This clarifies that insurers cannot deny claims on technical delays when substantive proof of theft is established, benefiting FMCG and inventory-heavy businesses.

The Madhya Pradesh High Court ruled that insurance companies cannot be compelled to compensate uninsured passengers in goods vehicles, as the policy excludes such risk. The court set aside the 'pay-and-recover' order, reinforcing that liability rests solely with the vehicle owner and driver, not the insurer.

Bombay High Court Nagpur Bench rules that insurers cannot escape liability in motor accident claims without adducing concrete evidence of policy breach, reinforcing the statutory burden of proof under Section 149 of the Motor Vehicles Act. The judgment clarifies that mere allegations or procedural lapses are insufficient to repudiate third-party claims, impacting insurers' defense strategies in motor accident tribunals.

NCDRC rules that insurers cannot repudiate genuine claims based solely on surveyor reports if accidental damage is established. The ruling underscores that policy exclusions must yield to factual evidence of accidental breakdown, holding insurers liable for deficiency in service.