{"id":203251,"date":"2018-10-08T16:00:33","date_gmt":"2018-10-08T10:30:33","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=203251"},"modified":"2019-03-07T15:44:34","modified_gmt":"2019-03-07T10:14:34","slug":"insurance-claim-cannot-be-rejected-on-the-ground-of-misrepresentation-when-the-insurance-company-did-not-ask-for-full-details-from-the-party","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2018\/10\/08\/insurance-claim-cannot-be-rejected-on-the-ground-of-misrepresentation-when-the-insurance-company-did-not-ask-for-full-details-from-the-party\/","title":{"rendered":"Insurance claim cannot be rejected on the ground of misrepresentation when the insurance company did not ask for full details from the party \u00a0"},"content":{"rendered":"

National Consumer Disputes Redressal Commission (NCDRC)<\/strong>: A Single Member Bench of V.K. Jain, J., rejected an appeal filed against the order of State Commission whereby it was directed to pay the insurance amount to the respondent.<\/p>\n

The respondent, in this case, entered into a contract with an overseas buyer for sale of some goods. As per the terms of the purchase order, the seller (respondent) was supposed to get the goods insured before sending them to seller and hence the respondent purchased an insurance policy from the appellant. The appellant did not ask for invoice or purchase order. As per the insurance policy the goods were insured till the time they reached the destination. The goods were lost in transit and the respondent claimed the insurance amount which was denied by appellant on the ground that the respondent had obtained the policy by misrepresentation.<\/p>\n

The main issue that arose before the Commission was whether the appellant company was liable to pay the insurance amount of lost goods to the respondent<\/p>\n

The Commission observed that the insurance company did not ask for invoice or the purchase order. Further, as it was clearly written in the purchase order that the seller (respondent) was supposed to get the goods insured before sending them to the buyer so it cannot be denied that the contract was a Cost, Insurance, Freight (CIF) contract. It is also undeniable that the goods were lost in transit, they did not reach their destination and as per the insurance policy itself, the goods were insured till the time they reached their destination.<\/p>\n

The Commission held that since the goods had not reached their destination hence the ownership of the goods rested with the respondent and as per the terms of the insurance policy, he was entitled to receive the insurance amount. The Commission upheld the order of the State Commission and rejected the claims put forth by the appellant. [Oriental Insurance Co. Ltd. v. Ganesh Granites Ltd., 2018 SCC OnLine NCDRC 398<\/b><\/a>, order dated 03-10-2018]<\/p>\n","protected":false},"excerpt":{"rendered":"

National Consumer Disputes Redressal Commission (NCDRC): A Single Member Bench of V.K. Jain, J., rejected an appeal filed against the order of <\/p>\n","protected":false},"author":8808,"featured_media":199533,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,11],"tags":[2617,31483,32010],"class_list":["post-203251","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-casebriefs","category-tribunals_commissions_regulatorybodies","tag-insurance_claim","tag-misrepresentation","tag-ownership-of-goods"],"yoast_head":"\nInsurance claim cannot be rejected on the ground of misrepresentation when the insurance company did not ask for full details from the party \u00a0 | 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\" href=\"https:\/\/www.scconline.com\/blog\/post\/2018\/10\/08\/insurance-claim-cannot-be-rejected-on-the-ground-of-misrepresentation-when-the-insurance-company-did-not-ask-for-full-details-from-the-party\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurance claim cannot be rejected on the ground of misrepresentation when the insurance company did not ask for full details from the party \u00a0\" \/>\n<meta property=\"og:description\" content=\"National Consumer Disputes Redressal Commission (NCDRC): A Single Member Bench of V.K. 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Kantikar and Dinesh Singh, Members, while dealing with an appeal filed against the order of State Commission, held that murder of an insured person must be treated as an accidental death if the same is not the result of\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":213425,"url":"https:\/\/www.scconline.com\/blog\/post\/2019\/04\/09\/ncdrc-claim-for-insurance-not-maintainable-where-the-insured-does-not-prescribe-to-terms-of-the-insurance-policy\/","url_meta":{"origin":203251,"position":2},"title":"NCDRC | Claim for insurance not maintainable where the insured does not prescribe to the terms of insurance policy","author":"Bhumika Indulia","date":"April 9, 2019","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): Justice V.K. Jain (Presiding Member) dismissed an appeal filed by a jeweller, assailing repudiation of his claim for insurance. The complainant\/appellant obtained a Jewellers Block Policy from the respondent company for Rs 48 lakhs. During the period of the policy, some burglars entered their\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":223806,"url":"https:\/\/www.scconline.com\/blog\/post\/2020\/01\/03\/ncdrc-if-goods-in-deliverable-state-are-delivered-by-seller-to-the-purchaser-property-in-the-goods-passes-from-seller-to-purchaser\/","url_meta":{"origin":203251,"position":3},"title":"NCDRC | If goods in deliverable state are delivered by seller to purchaser, property in the goods passes from seller to purchaser","author":"Bhumika Indulia","date":"January 3, 2020","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC):\u00a0Justice V.K. Jain (Presiding Member) while dismissing the present revision petition, held that, \"If the goods in deliverable state are delivered by the seller to the purchaser, the property in the goods passes from the seller to the purchaser unless they have contracted otherwise.\" In\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":321158,"url":"https:\/\/www.scconline.com\/blog\/post\/2024\/05\/01\/repudiation-life-insurance-claim-by-aviva-insurance-upeld-ncdrc-legal-news\/","url_meta":{"origin":203251,"position":4},"title":"NCDRC upholds repudiation of claim by Aviva Life Insurance due to violation of ubberima fidei principle by the insured","author":"Sucheta","date":"May 1, 2024","format":false,"excerpt":"The wife of the Deceased Life Assured had filed claims as the nominee of her husband\u2019s life insurance policies. However, the claim was rejected as the DLA failed to disclose material facts while availing the policies, thereby violating the principle of ubberima fidei (utmost good faith)","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\/2024\/04\/National-Consumer-Disputes-Redressal-Commission.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/04\/National-Consumer-Disputes-Redressal-Commission.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/04\/National-Consumer-Disputes-Redressal-Commission.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/04\/National-Consumer-Disputes-Redressal-Commission.webp?resize=700%2C400&ssl=1 2x"},"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":203251,"position":5},"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":[]}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/203251","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\/8808"}],"replies":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/comments?post=203251"}],"version-history":[{"count":0,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/203251\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media\/199533"}],"wp:attachment":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media?parent=203251"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/categories?post=203251"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/tags?post=203251"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}