{"id":253208,"date":"2021-08-25T13:00:46","date_gmt":"2021-08-25T07:30:46","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=253208"},"modified":"2021-09-17T16:08:25","modified_gmt":"2021-09-17T10:38:25","slug":"valuation-of-lost-gold","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2021\/08\/25\/valuation-of-lost-gold\/","title":{"rendered":"Opening Pandora’s Box | Whether valuation of lost gold can be determined as on date when reimbursement is made by insurer? NCDRC determines"},"content":{"rendered":"

National Consumer Disputes Redressal Commission (NCDRC): <\/strong>C. Viswanath (Presiding Member) while addressing the appeal, expressed that:<\/p>\n

\n

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 by deliberately delaying reimbursements.<\/span><\/p>\n<\/blockquote>\n

Instant appeal was filed under Section 19 of the Consumer Protection Act against the decision of State Consumer Disputes Redressal Commission.<\/p>\n

Background<\/span><\/h3>\n

Appellant\/Complainant was engaged in the business of gold jewellery hallmarking and testing of jewellery, refinery and testing of gold. Appellant took jeweller\u2019s block policy from the respondent\/insurance company.<\/p>\n

Complainant submitted that while his employee was returning to his shop after collecting jewellery, two unknown persons snatched and fled away with the bag containing jewellery. Thereafter a complaint was filed.<\/p>\n

During the course of investigation, appellant filed an insurance claim and further, the appellant was informed that the claim had been repudiated. Aggrieved by the same, a consumer complaint was filed before the State Commission.<\/p>\n

Not satisfied with the decision of the State Commission, the complainant filed the instant first appeal.<\/p>\n

Analysis, Law and Decision<\/span><\/h3>\n

Commission noted that the Insurance Claim of the appellant was repudiated by the respondents on the ground that the \u201cCover ceased due to policy terms and conditions\u201d.<\/p>\n

The Respondents failed to adduce any evidence in support of their contention that the alleged loss was caused by any of the reasons noted under Exclusion Clause 8 of the Insurance Policy, that there was any fraud\/mischief on part of the employee of the Appellant, among others leading to the alleged loss.<\/p>\n

Therefore, Commission opined that State Commission rightly dismissed the contention of the Respondents that the Appellant\u2019s claim fell under the Exclusion Clause 8 of the Policy.<\/p>\n

Appellant submitted that the value of gold increases day by day and therefore, the State Commission erred in law by disregarding the prayer of the Appellant for a sum of Rs 42,86,293\/-. Coram was unable to accept the contention of the Appellant in this regard, since the award of compensation must be restricted to the amount that had been claimed by the Appellant under the Insurance Policy. A perusal of the Insurance Claim form shows that the Appellant had only claimed Rs 25,78,680\/- from the Insurance Company.<\/p>\n

\n

If valuation of the lost gold is determined as on date when reimbursement is made, it would open a Pandora\u2019s box where the beneficiaries of such Policies may seek undue benefit by deliberately delaying reimbursements.<\/span><\/p>\n<\/blockquote>\n

In view of the above background, appeal was partly allowed.<\/strong> [G.N. Hallmarking & Refinery (P) Ltd. v. National Insurance Company Ltd., 2021 SCC OnLine NCDRC 299<\/b><\/a>, decided on 23-08-2021]<\/p>\n

\n

Advocates before the Commission:<\/strong><\/p>\n

\u00a0For the appellant: Pawan Kumar Ray, Advocate<\/p>\n

\u00a0For the Respondent: Animesh Sinha, Advocate<\/p>\n","protected":false},"excerpt":{"rendered":"

National Consumer Disputes Redressal Commission (NCDRC): C. Viswanath (Presiding Member) while addressing the appeal, expressed that: If the valuation of the lost <\/p>\n","protected":false},"author":8808,"featured_media":199533,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,11],"tags":[11241,10141,46836,2617,29785,46837,3095,46838],"class_list":["post-253208","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-casebriefs","category-tribunals_commissions_regulatorybodies","tag-consumer-protection","tag-fraud","tag-gold-jewellery","tag-insurance_claim","tag-law","tag-mischief","tag-NCDRC","tag-pandoras-box"],"yoast_head":"\nOpening Pandora's Box | Whether valuation of lost gold can be determined as on date when reimbursement is made by insurer? 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Ltd. asked to reimburse of current value of gold pledged in Year 2003","author":"Sucheta","date":"July 15, 2016","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): While rendering relief to a woman who failed to procure back her gold ornaments from Muthoot Finance Pvt. Ltd., which were pledged while taking a loan, NCDRC directed the Finance Company to reimburse the woman with the current value of 52 grams gold pledged\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":280419,"url":"https:\/\/www.scconline.com\/blog\/post\/2022\/12\/27\/national-consumer-disputes-redressal-commission-complainant-acts-and-omissions-leading-to-adverse-inference-in-favour-of-insurer-legal-news-updates\/","url_meta":{"origin":253208,"position":3},"title":"Read how a complainant’s acts and omissions vis-a-vis a JCB machine’s accident, led the NCDRC to draw an adverse inference in favour of the Insurer","author":"Editor","date":"December 27, 2022","format":false,"excerpt":"In the instant matter the National Consumer Disputes Redressal Commission had to determine whether the complainant's JCB machine had fallen down or overturned for the purposes of an insurance claim","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 (NCDRC)","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/11\/MicrosoftTeams-image-337.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":196813,"url":"https:\/\/www.scconline.com\/blog\/post\/2018\/06\/10\/haj-pilgrims-not-consumer-under-section-21d-of-the-consumer-protection-act-cannot-claim-compensation\/","url_meta":{"origin":253208,"position":4},"title":"Haj pilgrims not \u2018consumer\u2019 under Section 2(1)(d) of the Consumer Protection Act, cannot claim compensation","author":"Bhumika Indulia","date":"June 10, 2018","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): The perusal of the \u2018Green\u2019 guidelines for Haj-2008 in its clause 18 gave clarity on \u201cHaj Committee of India not being in the purview of Consumer Protection Act 1986, which is not liable to compensate any pilgrims intending to go on \u2018Haj\u2019 pilgrimage.\u201d 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":201508,"url":"https:\/\/www.scconline.com\/blog\/post\/2018\/09\/07\/damages-caused-by-acts-done-under-the-influence-of-alcohol-are-debarred-from-the-insurance-claim\/","url_meta":{"origin":253208,"position":5},"title":"Damages caused by acts done under the influence of alcohol are debarred from the insurance claim","author":"Bhumika Indulia","date":"September 7, 2018","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC):\u00a0A Single Judge Bench comprising of V.K Jain, J., dismissed a consumer plaint for claim of insurance. The respondent owned a vehicle which was insured with the petitioner company for which he claimed reimbursement in respect of the loss suffered by him on account 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":[]}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/253208","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=253208"}],"version-history":[{"count":0,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/253208\/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=253208"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/categories?post=253208"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/tags?post=253208"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}