{"id":213646,"date":"2019-04-18T09:00:41","date_gmt":"2019-04-18T03:30:41","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=213646"},"modified":"2019-04-19T16:30:06","modified_gmt":"2019-04-19T11:00:06","slug":"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","status":"publish","type":"post","link":"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\/","title":{"rendered":"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"},"content":{"rendered":"

Bombay High Court:\u00a0<\/strong>Sunil 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.<\/p>\n

An accident occurred between a motorcycle and the offending bus, as a result of which the driver of the motorcycle passed away. A claim petition was filed by the claimants under which an award was passed by the Motor Accident Claims Tribunal. The insurer paid the claim amount in the discharge of its liability towards the claimant. It, however, claimed to recover the said amount from the insured. Insurer’s case was that the insured issued a cheque in his favour towards payment of the insurance premium for the policy taken on 10-11-2015. The accident occurred on 19-11-2015. Pertinently, the cheque issued by the insured towards payment of premium got dishonoured\u00a0by the bank and, therefore, the insurer cancelled the policy on 14-12-2015. As such, the insurer claimed recovery of the amount paid to the third party.<\/p>\n

After perusing the authorities cited, the High Court was of the opinion that in such type of cases, if the policy is cancelled before the accident occurs, then the insurer is not liable to pay compensation to the claimant. However, if the policy is cancelled after the accident happens, then he is so liable. But, in the latter category of cases, the insurer is entitled to recover the amount so paid to the claimant from the insured. It was observed that a contract of insurance between an insurer and an owner of the offending vehicle includes reciprocal promised by both the parties. In such view of the matter, the owner of the offending bus (insured) was directed to pay back the amount of the award to the insurer along with interest thereon. [SBI Insurance Co. v. Madhubala, 2019 SCC OnLine Bom 63<\/a>9<\/b>, decided on 15-04-2019]<\/p>\n","protected":false},"excerpt":{"rendered":"

Bombay High Court:\u00a0Sunil K. Kotwal, J., allowed SBI Insurance Co. 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