{"id":18427,"date":"2015-10-15T15:10:00","date_gmt":"2015-10-15T15:10:00","guid":{"rendered":"http:\/\/localhost\/sccblog\/?p=18427"},"modified":"2015-10-16T16:57:10","modified_gmt":"2015-10-16T11:27:10","slug":"repudiation-of-claim-upheld-as-complainant-failed-to-take-reasonable-steps-to-safeguard-vehicle","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2015\/10\/15\/repudiation-of-claim-upheld-as-complainant-failed-to-take-reasonable-steps-to-safeguard-vehicle\/","title":{"rendered":"Repudiation of claim upheld as complainant failed to take reasonable steps to safeguard vehicle"},"content":{"rendered":"

National Consumer Disputes Redressal Commission (NCDRC): <\/span><\/b>NCDRC has upheld the repudiation of claim by the insurance company in a case of theft of vehicle on the ground that respondent was not having valid driving licence at the time of incident and he had also not taken ignition keys of the car when he went for urination, hence violating the terms of policy. Earlier, the respondent\u2019s insured jeep was stolen when he left keys in the vehicle while he went to relive himself. The insurance claim was rejected by the insurance company on the ground that respondent was not having valid driving licence, permit at the time of incident and he also left keys of the vehicle in car when he went for urination.. Alleging deficiency on the part of insurance company, respondent approached District forum, which allowed the complaint and directed insurance company to pay insured amount with 6% p.a. interest along with cost of Rs.500. Appeal filed by insurance company was partly allowed by State Commission and amount was reduced to 75%, i.e., Rs.2,19,102 against which, revision petition was filed by the insurance company before NCDRC. The Commission, after perusal of documents and hearing both the parties, observed that insured vehicle was Maxi Cab for which fitness certificate was obtained by the owner and insurance policy issued by insurance company was also “for passengers carrying commercial vehicle” whereas licence of respondent was only for light motor vehicle. NCDRC further observed that it was violation of policy conditions as “once respondent was driving transport vehicle whether it was carrying passengers at the time of incident on hire or not, is immaterial and he could not have driven vehicle without endorsement of transport vehicle on his driving licence.” While placing reliance on various earlier judgments of National Commission regarding importance of reasonable steps to safeguard the vehicle, NCDRC noted that “Investigator\u2019s report reveals that respondent allowed four unknown persons in the vehicle and respondent stopped vehicle to go to urinate leaving the keys in the jeep and when he was urinating on the side of the road, the persons sitting in the vehicle ran away with the jeep. Thus, it becomes clear that respondent left ignition keys in the vehicle along with four unknown persons while going for easing and thus, committed violation of Condition No. 5 of the policy for taking reasonable steps to safeguard the vehicle.” While holding that the respondent had violated the conditions of the policy, NCDRC allowed the revision petition and upheld the repudiation of the claim by the insurance company. (National Insurance Co. Ltd. v. Ram Singh Gurjar, <\/span>2015 SCC OnLine NCDRC 2291<\/a><\/span><\/span><\/b>, decided on 18-9-2015)<\/span><\/b><\/p>\n","protected":false},"excerpt":{"rendered":"

National Consumer Disputes Redressal Commission (NCDRC): NCDRC has upheld the repudiation of claim by the insurance company in a case of theft <\/p>\n","protected":false},"author":3,"featured_media":7321,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,11],"tags":[],"class_list":["post-18427","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-casebriefs","category-tribunals_commissions_regulatorybodies"],"yoast_head":"\nRepudiation of claim upheld as complainant failed to take reasonable steps to safeguard vehicle | SCC Times<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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of claim on ground of absence of valid driving licence to drive a transport vehicle, upheld","author":"Sucheta","date":"April 28, 2016","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC):\u00a0While observing that a driving licence must carry an endorsement that permits its holder to drive a transport vehicle even if the licence is valid for a commercial vehicle, NCDRC upheld the repudiation of claim by an insurance company on the ground that at the\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"National Consumer Disputes Redressal Commission","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1 1x, 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insurance company to repudiate the claim. While observing this, NCDRC upheld the repudiation of insurance claim by Reliance General Insurance Co.\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"National Consumer Disputes Redressal Commission","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":34231,"url":"https:\/\/www.scconline.com\/blog\/post\/2016\/02\/01\/repudiation-of-claim-by-insurance-companies-on-the-ground-of-delay-in-intimation-of-theft-of-vehicles-upheld\/","url_meta":{"origin":18427,"position":2},"title":"Repudiation of claim by insurance companies on the ground of delay in intimation of theft of vehicles, upheld","author":"Sucheta","date":"February 1, 2016","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC):\u00a0While observing that the theft of a vehicle is required to be reported to the insurance company immediately after the theft is detected otherwise the insurer is not liable to reimburse the insured for such a loss, NCDRC upheld the repudiation of insurance claim by\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"National Consumer Disputes Redressal Commission","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":380209,"url":"https:\/\/www.scconline.com\/blog\/post\/2026\/04\/06\/insurance-claim-not-rejected-driving-licence-booklet-form-not-fake-del-hc\/","url_meta":{"origin":18427,"position":3},"title":"Driving Licence Can\u2019t Be Deemed Fake Solely for Being in Booklet Form if Smart Card Conversion Window is Still Open: Delhi High Court","author":"Ritu","date":"April 6, 2026","format":false,"excerpt":"The Court held that insurance claim cannot be repudiated merely because driving licence was in booklet form prior to smart card conversion deadline.","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"Insurance claim fake driving licence","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2026\/04\/Insurance-claim-fake-driving-licence.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2026\/04\/Insurance-claim-fake-driving-licence.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2026\/04\/Insurance-claim-fake-driving-licence.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2026\/04\/Insurance-claim-fake-driving-licence.webp?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":44411,"url":"https:\/\/www.scconline.com\/blog\/post\/2016\/04\/20\/repudiation-of-insurance-claim-of-overloaded-bus-justified\/","url_meta":{"origin":18427,"position":4},"title":"Repudiation of insurance claim of overloaded bus, justified","author":"Sucheta","date":"April 20, 2016","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC):\u00a0While observing that huge overloading of vehicles adversely affects the steering control and increases the chance of driver to loose control of the vehicle which may cause accident, NCDRC upheld the repudiation of insurance claim of a bus on the ground of over loading. Earlier,\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"National Consumer Disputes Redressal Commission","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":26621,"url":"https:\/\/www.scconline.com\/blog\/post\/2015\/11\/19\/repudiation-of-claim-upheld-as-complainant-failed-to-take-reasonable-steps-to-safeguard-insured-property\/","url_meta":{"origin":18427,"position":5},"title":"Repudiation of claim upheld as complainant failed to take reasonable steps to safeguard insured property","author":"Sucheta","date":"November 19, 2015","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): NCDRC has upheld the repudiation of claim by the insurance company in a case of theft of cash on the ground that complainant (appellant) failed to take reasonable care for protection of cash by leaving the doors of the car unlocked. Earlier, complainant who\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"National Consumer Disputes Redressal Commission","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2018\/08\/NCDRC_.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/18427","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/comments?post=18427"}],"version-history":[{"count":0,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/18427\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media\/7321"}],"wp:attachment":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media?parent=18427"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/categories?post=18427"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/tags?post=18427"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}