{"id":242633,"date":"2021-01-22T14:20:56","date_gmt":"2021-01-22T08:50:56","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=242633"},"modified":"2021-02-05T13:11:30","modified_gmt":"2021-02-05T07:41:30","slug":"ncdrc-what-factors-are-to-be-considered-to-ascertain-whether-a-discharge-voucher-in-full-and-final-settlement-was-signed-voluntarily-or-undue-influence-commission-considers","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2021\/01\/22\/ncdrc-what-factors-are-to-be-considered-to-ascertain-whether-a-discharge-voucher-in-full-and-final-settlement-was-signed-voluntarily-or-undue-influence-commission-considers\/","title":{"rendered":"NCDRC | What factors are to be considered to ascertain whether a discharge voucher in full and final settlement was signed voluntarily or undue influence? Commission considers"},"content":{"rendered":"

National Consumer Disputes Redressal Commission (NCDRC): <\/strong>C. Viswanath (Presiding Member) observed that:<\/p>\n

\u201cConduct of the insured becomes relevant on the facts of each case to ascertain whether the discharge voucher in the full and final settlement was given\u00a0 voluntarily or there was coercion or undue influence on the Complainant.\u201d<\/strong><\/p>\n

The instant application was filed under Section 19 of the Consumer Protection Act, 1986 against the Maharashtra State Consumer Disputes Redressal Commission\u2019s Order.<\/p>\n

Complainant had obtained \u201cStandard Fire and Special Perils\u201d Insurance Policies for stocks of cotton etc. and plant and machinery. Due to a fire break out at the complainant\u2019s factory, huge stock of cotton got damaged.<\/p>\n

Surveyor assessed the loss at Rs 32,92,525 only, though the total loss suffered was to the tune of Rs 99,45,286. Complainant submitted that since he was facing financial difficulties he accepted the settlement offered by the OP and executed the Indemnity Bond and Discharge Voucher in the name of OP.<\/p>\n

Further, alleging the deficiency in service by OP, he filed a Complaint before the State Commission.<\/p>\n

Aggrieved by the State Commission\u2019s Order, complainant preferred the present appeal before this Commission.<\/p>\n

Analysis and Decision<\/u><\/strong><\/span><\/h3>\n

Bench noted that in several insurance claim cases under the Consumer Protection Act, it has been held that if a Complainant satisfies the Consumer Forum that Discharge Vouchers were obtained by fraud, coercion, undue influence etc., they should be ignored, but if they were found to be voluntary, the Complainant will be bound by it resulting in rejection of the Complaint.<\/p>\n

\u201c\u2026mere signing of Discharge Voucher will not bar the Complainant\/Claimant from raising a dispute before this Commission.\u201d<\/strong><\/p>\n

\u00a0<\/strong>Commission further stated the only question to be addressed is whether the Discharge Voucher was signed under undue influence or coercion?<\/p>\n

\n
\n
\n

Whether the Complainant received Rs 39,72,829 towards full and final settlement or under protest pending investigation?<\/p>\n<\/div>\n<\/div>\n<\/div>\n

Further, respondents counsel submitted that there was a clarity expressed to the Complainant that unless the Discharge Voucher was signed, payment would not be released and therefore, the Discharge voucher was signed under coercion.<\/p>\n

Bench while concluding held that \u201cIf at all the Complainant had an objection to the nature of the settlement, he should have recorded the same while signing the settlement\u201d, hence no infirmity in the State Commission\u2019s order was found.<\/p>\n

In light of the above, the instant appeal was dismissed. [Arihant Industries v. United India Insurance Co. Ltd., 2021 SCC OnLine NCDRC 8<\/b><\/a>, decided on 04-01-2021]<\/p>\n

\n

Advocates for the parties:<\/strong><\/span><\/p>\n

For the Appellant: <\/strong>S.M. Tripathi, Advocate<\/p>\n

For the Respondent: <\/strong>Nanita Sharma, Advocate<\/p>\n","protected":false},"excerpt":{"rendered":"

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The instant appeal was filed under Section 19 of the Consumer Protection Act, 1986 challenging 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, 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":379035,"url":"https:\/\/www.scconline.com\/blog\/post\/2026\/03\/22\/del-hc-execution-of-discharge-voucher-acknowledging-settlement-bars-further-claims\/","url_meta":{"origin":242633,"position":1},"title":"Execution of discharge voucher acknowledging full and final settlement bars further claims unless obtained by fraud, coercion, or undue influence: Delhi High Court","author":"Ritu","date":"March 22, 2026","format":false,"excerpt":"When to step in and when to not, \u201cthe line is thin, but Courts are expected to possess the intellectual wherewithal to discern it and walk the right side.\u201d","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"execution of discharge voucher","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2026\/03\/execution-of-discharge-voucher.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2026\/03\/execution-of-discharge-voucher.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2026\/03\/execution-of-discharge-voucher.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2026\/03\/execution-of-discharge-voucher.webp?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":6382,"url":"https:\/\/www.scconline.com\/blog\/post\/2015\/02\/18\/repudiation-of-claim-on-ground-that-complainant-failed-to-prove-that-cause-of-death-was-a-result-of-accidental-injuries-upheld\/","url_meta":{"origin":242633,"position":2},"title":"Repudiation of claim on ground that complainant failed to prove that cause of death was a result of accidental injuries, upheld","author":"Sucheta","date":"February 18, 2015","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): NCDRC has upheld a repudiation of claim by an insurance company on the ground that complainant failed to prove that the cause of death of the insured was the injury caused by the accident. Earlier, complainant\u2019s mother obtained insurance cover from HDFC Ergo General\u2026","rel":"","context":"In "Tribunals\/Commissions\/Regulatory Bodies"","block_context":{"text":"Tribunals\/Commissions\/Regulatory Bodies","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/tribunals_commissions_regulatorybodies\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":336894,"url":"https:\/\/www.scconline.com\/blog\/post\/2024\/12\/09\/ncdrc-remands-consumer-case-theft-scdrc-legal-news\/","url_meta":{"origin":242633,"position":3},"title":"NCDRC remands consumer case regarding theft to Madhya Pradesh SCDRC to be decided on merits","author":"Sucheta","date":"December 9, 2024","format":false,"excerpt":"The NCDRC noted that Reliance General Insurance did not take the issue of territorial jurisdiction before SCDRC; therefore, SCDRC basing its decision on the same, was bad in law.","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":253208,"url":"https:\/\/www.scconline.com\/blog\/post\/2021\/08\/25\/valuation-of-lost-gold\/","url_meta":{"origin":242633,"position":4},"title":"Opening Pandora’s Box | Whether valuation of lost gold can be determined as on date when reimbursement is made by insurer? NCDRC determines","author":"Bhumika Indulia","date":"August 25, 2021","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): C. Viswanath (Presiding Member) while addressing the appeal, expressed that: If the valuation of the lost gold is determined as on the date when reimbursement is made by insurer, it would open Pandora\u2019s box where the beneficiaries of such Policies may seek undue benefit\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":99271,"url":"https:\/\/www.scconline.com\/blog\/post\/2017\/01\/13\/repudiation-of-claim-by-insurance-company-on-the-ground-of-failure-of-written-intimation-of-theft-of-vehicle-held-proper\/","url_meta":{"origin":242633,"position":5},"title":"Repudiation of claim by insurance company on the ground of failure of written intimation of theft of vehicle, held proper","author":"Saba","date":"January 13, 2017","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): \u00a0NCDRC has held that failure of the insured to give immediate information of theft in writing to the insurance company would entitle the 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":[]}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/242633","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=242633"}],"version-history":[{"count":0,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/242633\/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=242633"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/categories?post=242633"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/tags?post=242633"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}