{"id":206050,"date":"2018-12-01T13:17:08","date_gmt":"2018-12-01T07:47:08","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=206050"},"modified":"2018-12-04T13:16:29","modified_gmt":"2018-12-04T07:46:29","slug":"burden-to-prove-non-receipt-of-insurers-letter-of-cancellation-of-insurance-lies-on-the-insured-kerala-hc","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2018\/12\/01\/burden-to-prove-non-receipt-of-insurers-letter-of-cancellation-of-insurance-lies-on-the-insured-kerala-hc\/","title":{"rendered":"Burden to prove non-receipt of insurer\u2019s letter of cancellation of insurance lies on the insured: Kerala HC"},"content":{"rendered":"<p style=\"text-align: justify;\"><strong>Kerala High Court:<\/strong> A Full bench comprising of V. Chitambaresh, P.B. Suresh Kumar and Sathish Ninan, JJ. while answering a reference ruled that the burden to prove non-receipt of insurer\u2019s letter of cancellation of insurance lies on the insured.<\/p>\n<p style=\"text-align: justify;\">The liability of an insurer to indemnify third parties subsists unless the insurance coverage is cancelled by him (for reason such as dishonour of cheque given by insured towards premium) and intimation of cancellation has reached the insured and the registering authority.<\/p>\n<p style=\"text-align: justify;\">The sole question referred to the Full Bench for determination was as to on whom does the burden lie to prove that the insurer has intimated about cancellation of insurance. Is it sufficient if it is proved that the insurer has sent intimation about cancellation of insurance coverage to the insured and the registering authority; or is it necessary to prove that the addressees have received the same?<\/p>\n<p style=\"text-align: justify;\">The Court remarked that the fundamental difference between speed post and registered post was that while the former was address specific and time bound, the latter was addressee specific. Thus, the surest way to prove that intimation about cancellation of insurance had been sent by the insurer was to dispatch it by registered post with or without postal acknowledgment. Since Section 27 of the General Clauses Act, 1897 raises a presumption in favour of the sender for a properly addressed and prepaid post, therefore production of the receipt evidencing dispatch by registered post raises a presumption in favour of the insurer that the intimation has been sent to the addressee for secured delivery.<\/p>\n<p style=\"text-align: justify;\">In view of the above, the reference was answered holding that the burden to rebut the presumption in favour of insured by conclusive evidence lay on the addressee. It was for the addressee\/ insured to prove that he did not receive insured\u2019s letter of cancellation and that the same was not a case of deliberate avoidance.[Prasanna B. v. Kabeer P.K.,<a href=\"http:\/\/scconline.com\/DocumentLink\/b52WSB7Z\"><b>2018 SCC OnLine Ker 4929<\/b><\/a>, Order dated 31-10-2018]<\/p>\n<p style=\"text-align: justify;\">\n","protected":false},"excerpt":{"rendered":"<p>Kerala High Court: A Full bench comprising of V. Chitambaresh, P.B. Suresh Kumar and Sathish Ninan, JJ. while answering a reference ruled <\/p>\n","protected":false},"author":8808,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,10],"tags":[32671,2707,3302,32670],"class_list":["post-206050","post","type-post","status-publish","format-standard","hentry","category-casebriefs","category-highcourts","tag-burden-to-prove","tag-Insurance","tag-insurer","tag-letter-of-cancellation"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.4 (Yoast SEO v26.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Burden to prove non-receipt of insurer\u2019s letter of cancellation of insurance lies on the insured: Kerala HC | 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\/12\/01\/burden-to-prove-non-receipt-of-insurers-letter-of-cancellation-of-insurance-lies-on-the-insured-kerala-hc\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Burden to prove non-receipt of insurer\u2019s letter of cancellation of insurance lies on the insured: Kerala HC\" \/>\n<meta property=\"og:description\" content=\"Kerala High Court: A Full bench comprising of V. 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Suresh Kumar, J. allowed an appeal filed by the claimant against the insurer in which an award was passed exonerating the liability of the insurer to indemnify the owner. \u00a0In the instant case, the claimant sustained injuries in a motor vehicle accident and claimed for indemnity\u2026","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":213646,"url":"https:\/\/www.scconline.com\/blog\/post\/2019\/04\/18\/bom-hc-insurance-contract-give-rise-to-reciprocal-promises-insurer-entitled-to-recover-the-amount-paid-to-third-party-under-a-cancelled-policy-from-the-insured\/","url_meta":{"origin":206050,"position":1},"title":"Bom HC | Insurance contract give rise to reciprocal promises; Insurer entitled to recover the amount paid to third party under a &#8216;cancelled policy&#8217; from the insured","author":"Bhumika Indulia","date":"April 18, 2019","format":false,"excerpt":"Bombay High Court:\u00a0Sunil K. Kotwal, J., allowed SBI Insurance Co. (insurer) to recover, from the owner of the offending bus (insurer), the amount paid to a third party claimant) under a policy which was cancelled by the insurer on account of non-payment of the premium amount by the insured. An\u2026","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2016\/09\/Bombay-HC.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2016\/09\/Bombay-HC.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2016\/09\/Bombay-HC.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2016\/09\/Bombay-HC.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2016\/09\/Bombay-HC.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":306159,"url":"https:\/\/www.scconline.com\/blog\/post\/2023\/11\/02\/insurer-has-no-right-to-recover-motor-accident-compensation-from-insured-for-driver-fake-licence-sc-legal-news\/","url_meta":{"origin":206050,"position":2},"title":"Insurer has no right to recover motor accident claim compensation from insured vehicle owner for driver\u2019s fake licence: SC","author":"Editor","date":"November 2, 2023","format":false,"excerpt":"The burden of proving that there was a failure on the part of the vehicle owner in carrying out due diligence apropos driving licence before employing a person to drive the vehicle is upon the insurance company.","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"recover motor accident compensation","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/11\/recover-motor-accident-compensation.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/11\/recover-motor-accident-compensation.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/11\/recover-motor-accident-compensation.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/11\/recover-motor-accident-compensation.webp?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":266564,"url":"https:\/\/www.scconline.com\/blog\/post\/2022\/05\/07\/double-insurance-overlapping-policies-right-insurance-forfeit-levis-supreme-court-judgments-india-law-legal-research-updates-news\/","url_meta":{"origin":206050,"position":3},"title":"Double Insurance\u2013Overlapping policies: Grant of actual loss from one insurer will forfeit right to claim from other insurer; SC rejects Levi\u2019s\u2019 insurance claim","author":"Editor","date":"May 7, 2022","format":false,"excerpt":"Supreme Court: In a case relating to double insurance, the 3-Judge Bench comprising of Uday Umesh Lalit, S. Ravindra Bhat* and Pamidighantam Sri Narasimha, JJ., reversed the impugned order of National Consumer Disputes Redressal Commission (NCDRC) which allowed the insurance claim of Levi Strauss (India) Pvt. Ltd. which was repudiated\u2026","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/05\/Double-Insurance%E2%80%93Overlapping-policies-Grant-of-actual-loss-from-one-insurer-will-forfeit-right-to-claim-from-other-insurer-Supreme-Court-rejects-Levis-insurance-claim.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/05\/Double-Insurance%E2%80%93Overlapping-policies-Grant-of-actual-loss-from-one-insurer-will-forfeit-right-to-claim-from-other-insurer-Supreme-Court-rejects-Levis-insurance-claim.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/05\/Double-Insurance%E2%80%93Overlapping-policies-Grant-of-actual-loss-from-one-insurer-will-forfeit-right-to-claim-from-other-insurer-Supreme-Court-rejects-Levis-insurance-claim.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/05\/Double-Insurance%E2%80%93Overlapping-policies-Grant-of-actual-loss-from-one-insurer-will-forfeit-right-to-claim-from-other-insurer-Supreme-Court-rejects-Levis-insurance-claim.png?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/05\/Double-Insurance%E2%80%93Overlapping-policies-Grant-of-actual-loss-from-one-insurer-will-forfeit-right-to-claim-from-other-insurer-Supreme-Court-rejects-Levis-insurance-claim.png?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":203914,"url":"https:\/\/www.scconline.com\/blog\/post\/2018\/10\/17\/kerala-hc-full-bench-overrules-3-judge-bench-absence-of-fitness-certificate-to-vehicle-is-a-fundamental-breach-by-insured-entitles-insurer-with-right-to-recovery\/","url_meta":{"origin":206050,"position":4},"title":"Kerala HC Full Bench overrules 3-Judge Bench: Absence of fitness certificate to vehicle is a fundamental breach by insured; entitles insurer with right to recovery","author":"Bhumika Indulia","date":"October 17, 2018","format":false,"excerpt":"Kerala High Court: A Full Bench of Kerala High Court comprising of CJ Hrishikesh Roy P.R. Ramachandra Menon, A.K. Jayasankaran Nambiar, Anil K. Narendran and Devan Ramachandran, JJ. while a reference held that non-possession of a valid fitness certificate for a vehicle constitutes fundamental breach of insurance policy, entitling the\u2026","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":250146,"url":"https:\/\/www.scconline.com\/blog\/post\/2021\/06\/22\/insurance-company\/","url_meta":{"origin":206050,"position":5},"title":"Can insurance company repudiate claim if insured suppresses fact of suffering from ailment while taking policy? Telangana State Consumer Forum answers","author":"Bhumika Indulia","date":"June 22, 2021","format":false,"excerpt":"State Consumer Disputes Redressal Commission, Telangana: Justice MSK Jaiswal (President) and Meena Ramanathan (Member) upheld the District Commission\u2019s Order observing the consequence of suppressing the material fact while taking an insurance policy. If the insurer can show that prior to the date of declaration of being healthy, the insured was\u2026","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/06\/MicrosoftTeams-image-5-4.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/06\/MicrosoftTeams-image-5-4.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/06\/MicrosoftTeams-image-5-4.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/06\/MicrosoftTeams-image-5-4.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/06\/MicrosoftTeams-image-5-4.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/206050","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=206050"}],"version-history":[{"count":0,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/206050\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media?parent=206050"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/categories?post=206050"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/tags?post=206050"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}