{"id":261752,"date":"2022-02-14T17:00:54","date_gmt":"2022-02-14T11:30:54","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=261752"},"modified":"2022-02-18T09:43:46","modified_gmt":"2022-02-18T04:13:46","slug":"explained-can-an-insurance-claim-be-repudiated-in-case-of-delay-in-informing-the-insurance-company-regarding-the-theft-of-vehicle","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2022\/02\/14\/explained-can-an-insurance-claim-be-repudiated-in-case-of-delay-in-informing-the-insurance-company-regarding-the-theft-of-vehicle\/","title":{"rendered":"Explained| Can an insurance claim be repudiated in case of delay in informing the Insurance Company regarding the theft of vehicle?\u00a0"},"content":{"rendered":"

Supreme Court:<\/strong> The bench of Sanjiv Khanna and Bela M. Trivedi, JJ has held that an Insurance Company cannot repudiate a claim merely on the ground that there was a delay in intimating it about the occurrence of the theft of vehicle.<\/p>\n

The Court was deciding a case relating to theft of a Truck that was insured with Oriental Insurance Company Limited. During the pendency of the complaint before the District Forum, the Insurance Company repudiated the claim of the complainant vide its letter dated 19.10.2010, stating that there was a breach of a condition of the policy which mandated immediate notice to the insurer of the accidental loss\/damage, and that the complainant had intimated about the loss on 11.04.2008 i.e. after the lapse of more than five months and, therefore, the Insurance Company had disowned their liability on the claim of the complainant. While the District forum allowed the Complaint, the NCDRC reversed the said finding.<\/p>\n

When the matter reached before the Supreme Court, it applied the ruling in Gurshinder Singh v. Shriram General Insurance Company Ltd., 2020 (11) SCC 612<\/strong>, wherein it was observed that<\/p>\n

\u201cOn occurrence of an accidental loss, the insured is required to immediately give a notice in writing to the company. This appears to be so that the company can assign a surveyor so as to assess the damages suffered by the insured\/vehicle.<\/em><\/p>\n

\u2026.<\/em><\/p>\n

In case of theft or criminal act which may be the subject of a claim under the policy, the insured shall give immediate notice to the police and cooperate with the company in securing the conviction of the offender. The object behind giving immediate notice to the police appears to be that if the police is immediately informed about the theft or any criminal act, the police machinery can be set in motion and steps for recovery of the vehicle could be expedited. In a case of theft, the insurance company or a surveyor would have a limited role. It is the police, who acting on the FIR of the insured, will be required to take immediate steps for tracing and recovering the vehicle. Per contra, the surveyor of the insurance company, at the most, could ascertain the factum regarding the theft of the vehicle.<\/em><\/p>\n

\u2026<\/em><\/p>\n

When an insured has lodged the FIR immediately after the theft of a vehicle occurred and when the police after investigation have lodged a final report after the vehicle was not traced and when the surveyors\/investigators appointed by the insurance company have found the claim of the theft to be genuine, then mere delay in intimating the insurance company about the occurrence of the theft cannot be a ground to deny the claim of the insured.\u201d<\/em><\/p>\n

In the case at hand, the FIR was lodged immediately on the next day of the occurrence of theft of the vehicle by the complainant. The accused were also arrested and chargesheeted, however, the vehicle could not be traced out.<\/p>\n

\u201cOf course, it is true that there was a delay of about five months on the part of the complainant in informing and lodging its claim before the Insurance Company, nonetheless, it is pertinent to note that the Insurance Company has not repudiated the claim on the ground that it was not genuine. It has repudiated only on the ground of delay.\u201d<\/p>\n

The Court, hence, concluded that when the complainant had lodged the FIR immediately after the theft of the vehicle, and when the police after the investigation had arrested the accused and also filed challan before the concerned Court, and when the claim of the insured was not found to be not genuine, the Insurance Company could not have repudiated the claim merely on the ground that there was a delay in intimating the Insurance Company about the occurrence of the theft.<\/p>\n

The Court, hence, set aside the order of NCDRC.<\/p>\n

[Jaina Construction Committee v. Oriental Insurance Company Ltd., 2022 SCC OnLine SC 175<\/b><\/a>, decided on 11.02.2022]<\/p>\n

\n

*Judgment by: Justice Bela M. Trivedi<\/h4>\n
\n

Counsels<\/strong><\/p>\n

For appellant: Advocate Avinash Lakhanpal<\/p>\n","protected":false},"excerpt":{"rendered":"

Supreme Court: The bench of Sanjiv Khanna and Bela M. 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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":[]},{"id":34231,"url":"https:\/\/www.scconline.com\/blog\/post\/2016\/02\/01\/repudiation-of-claim-by-insurance-companies-on-the-ground-of-delay-in-intimation-of-theft-of-vehicles-upheld\/","url_meta":{"origin":261752,"position":1},"title":"Repudiation of claim by insurance companies on the ground of delay in intimation of theft of vehicles, upheld","author":"Sucheta","date":"February 1, 2016","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC):\u00a0While observing that the theft of a vehicle is required to be reported to the insurance company immediately after the theft is detected otherwise the insurer is not liable to reimburse the insured for such a loss, NCDRC upheld the repudiation of insurance claim by\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":68811,"url":"https:\/\/www.scconline.com\/blog\/post\/2016\/09\/12\/repudiation-of-claim-of-a-vehicle-on-the-ground-that-the-vehicle-was-not-duly-registered-proper\/","url_meta":{"origin":261752,"position":2},"title":"Repudiation of claim of a vehicle on the ground that the vehicle was not duly registered, proper","author":"Saba","date":"September 12, 2016","format":false,"excerpt":"National Consumer Disputes Redressal Commission: An insurance company can reject an insurance claim of a stolen vehicle on the ground that the vehicle was not duly registered, observed NCDRC while allowing a revision petition of Oriental Insurance Co. Ltd. vide which the Company challenged the order of Himachal Pradesh State\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":267258,"url":"https:\/\/www.scconline.com\/blog\/post\/2022\/05\/23\/insurance-claim-rejection-technical-ground-insurance-company-non-production-document-supreme-court-india-judgments-mr-shah-legal-reserach-updates-news\/","url_meta":{"origin":261752,"position":3},"title":"Insurance companies refusing claims on flimsy\/technical grounds must stop! Don’t ask for documents that insured can’t produce: Supreme Court","author":"Prachi Bhardwaj","date":"May 23, 2022","format":false,"excerpt":"Supreme Court: In a case where an Insurance Company had refused to settle an insurance claim on non-submission of the duplicate certified copy of certificate of registration of the stolen vehicle, the bench of MR Shah* and BV Nagarathna, JJ has held that while settling the claims, the insurance company\u2026","rel":"","context":"In "Case Briefs"","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\/MicrosoftTeams-image-183.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/05\/MicrosoftTeams-image-183.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/05\/MicrosoftTeams-image-183.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/05\/MicrosoftTeams-image-183.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/05\/MicrosoftTeams-image-183.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":240747,"url":"https:\/\/www.scconline.com\/blog\/post\/2020\/12\/16\/ncdrc-if-a-car-gets-stolen-while-being-insured-but-temporary-registration-of-car-get-expires-can-insurance-company-escape-from-its-liability-of-indemnifying-loss-commission-decides\/","url_meta":{"origin":261752,"position":4},"title":"NCDRC | If a car is stolen while being insured but temporary registration of car expires, can Insurance company escape from its liability of indemnifying loss? Commission decides","author":"Bhumika Indulia","date":"December 16, 2020","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC):\u00a0C. Vishwanath (Presiding Member), held that since the Insurance Company itself insured the complainant\u2019s vehicle and the vehicle had been stolen during the currency of the Policy and the Police were informed immediately, the Insurance Company could not repudiate the claim. The instant revision petition\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":260345,"url":"https:\/\/www.scconline.com\/blog\/post\/2022\/01\/20\/whether-insurance-company-is-liable-to-pay-claim-even-if-vehicle-stolen-and-unauthorisedly-driven\/","url_meta":{"origin":261752,"position":5},"title":"Whether insurance company is liable to pay claim even if vehicle stolen and unauthorisedly driven? Del HC decides","author":"Bhumika Indulia","date":"January 20, 2022","format":false,"excerpt":"Delhi High Court: Sanjeev Sachdeva, J., considered the issue of whether the insurance company would be liable to pay amount in a case of a stolen vehicle and unauthorizedly driven? Appellant impugned award dated 27-11-2021 to the limited extent that it grants recovery rights against the driver of the vehicle.\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/261752","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\/121"}],"replies":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/comments?post=261752"}],"version-history":[{"count":0,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/261752\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media\/261754"}],"wp:attachment":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media?parent=261752"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/categories?post=261752"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/tags?post=261752"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}