{"id":32421,"date":"2016-01-12T12:40:14","date_gmt":"2016-01-12T07:10:14","guid":{"rendered":"http:\/\/www.scconline.com\/blog\/?p=32421"},"modified":"2016-02-09T14:49:59","modified_gmt":"2016-02-09T09:19:59","slug":"national-insurance-co-ltd-directed-to-pay-72-5-lakhs-to-a-marine-service-provider-company-for-loss-of-a-ship","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2016\/01\/12\/national-insurance-co-ltd-directed-to-pay-72-5-lakhs-to-a-marine-service-provider-company-for-loss-of-a-ship\/","title":{"rendered":"National Insurance Co. Ltd. directed to pay 72.5 lakhs to a marine service provider company for loss of a ship"},"content":{"rendered":"

National Consumer Disputes Redressal Commission (NCDRC): <\/strong>NCDRC has dismissed an appeal filed by an insurance company challenging the order of Gujarat State Consumer Disputes Redressal Commission, vide which the Insurance Company was directed to pay Rs.72,50,000\/-\u00a0 with 6% interest from date of filing of a claim, for the loss to the ship, as per the policy terms to a marine service provider company. In the present case, \u00a0MV.TIMO ship of Atlantic Shipping Services was insured for Rs.72,50,000\/- with National Insurance Co. Ltd. from 22.09.2004 to 21.09.2005 under the hull and machinery policy.\u00a0Said ship sank on 1.11.2004 while going from Blackberry Port to Anchord Buranted. The ship was carrying 845 MT of iron ore fines. When Atlantic Shipping Services approached the Insurance Company to settle the claim, the Insurance Company repudiated the claim on the basis that no peril of the sea operated and that the loss of the vessel was caused by fatigue failure, which was caused by normal wear and tear.\u00a0 Atlantic Shipping Services then filed a consumer complaint before the State Commission, which accepted the complaint and directed the insurance Company to settle the insurance claim. Before NCDRC, insurance company alleged that according to the surveyor M.V.TIMO ship broke down from the middle with a cracking sound and it was due to fatigue of the hull and body of the ship which\u00a0has nothing to do with the peril of the sea. The ship was built in the year 1958 in Italy and was quite old and has completed his life.\u00a0 After perusing the material on record, Commission observed that there is no doubt that the ship in question was traveling on said route quite regularly and the load of the ship was less than the load capacity of the ship.\u00a0When the ship was insured, the Insurance Company must have done their inspection about the hull, body and machinery of the ship. Even for this journey, the certificate of sea worthiness was issued by the competent Authority. Even then the ship sank in the mid waters of the sea.\u00a0 This shows that the sinking of the ship has to do something with the sea itself.\u00a0 Had the ship been overloaded, cracking of the hull and body due to fatigue would seem reasonable and probable. While noting that, \u201cthe ship has broken down amidst mid waters of the sea and the ship was not brought out of the sea and final survey report was not available, there is no alternative but to believe that the ship broke down due to peril of the sea. One of the perils covered is \u2018Bursting of boilers, breakage of shafts, or any latent defect in the machinery or hull.\u2019 As the wreckage has not been physically examined by the surveyor, the operation of this peril also cannot be ruled out. Hence, we are of the view that the complainant is entitled to insurance amount under the policy,\u201d NCDRC dismissed the appeal of the Insurance Company. [Atlantic Shipping Services<\/em> v. National Insurance Co. Ltd<\/em>., 2016 SCC OnLine NCDRC 11<\/a>, decided on January 4, 2016]<\/p>\n","protected":false},"excerpt":{"rendered":"

National Consumer Disputes Redressal Commission (NCDRC): NCDRC has dismissed an appeal filed by an insurance company challenging the order of Gujarat State <\/p>\n","protected":false},"author":3,"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":[],"class_list":["post-32421","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-casebriefs","category-tribunals_commissions_regulatorybodies"],"yoast_head":"\nNational Insurance Co. 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Read Commission’s decision","author":"Bhumika Indulia","date":"December 15, 2020","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): Dinesh Singh (Presiding Member) while addressing the instant first appeal upheld the State Commission's Order in regard to a claim filed by the insured with the insurance company. 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":235380,"url":"https:\/\/www.scconline.com\/blog\/post\/2020\/09\/05\/ncdrc-to-determine-pecuniary-jurisdiction-of-district-commission-state-commission-or-national-commission-which-value-of-goods-or-services-has-to-be-considered-commission-elaborates\/","url_meta":{"origin":32421,"position":2},"title":"NCDRC | To determine pecuniary jurisdiction of District, State or National Commission which value of goods or services has to be considered? Commission elaborates","author":"Bhumika Indulia","date":"September 5, 2020","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC):\u00a0A Division Bench of R.K. Agrawal (President) and Dr S.M. Kantikar (Member), held that \"...for detrmining the pecuniary jurisdiction of the District Commission, State Commission or National Commission the value of goods or services paid as consideration alone has to be taken and not 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":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":32421,"position":3},"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":[]},{"id":199516,"url":"https:\/\/www.scconline.com\/blog\/post\/2018\/08\/02\/omission-on-part-of-bank-resulting-in-lapse-of-insurance-policy-amounts-to-deficiency-in-services\/","url_meta":{"origin":32421,"position":4},"title":"Omission on part of bank resulting in lapse of insurance policy amounts to \u2018deficiency in services\u2019","author":"Bhumika Indulia","date":"August 2, 2018","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): The Bench comprising of R.K. Agarwal, J., M. Shreesha, Member, dismissed the revision petition filed against the order of Haryana State Consumer Disputes Redressal Commission. The respondent had purchased an insurance policy from Oriental Insurance Company which was valid till 28-12-2015, however, the respondent\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":243356,"url":"https:\/\/www.scconline.com\/blog\/post\/2021\/02\/04\/ncdrc-will-an-insurance-company-be-obligated-to-notify-the-insured-in-regard-to-his-policy-being-expired-read-in-light-of-s-50-of-insurance-act\/","url_meta":{"origin":32421,"position":5},"title":"NCDRC | Will an Insurance Company be obligated to notify the insured in regard to his policy being expired? Read in light of S. 50 of Insurance Act","author":"Bhumika Indulia","date":"February 4, 2021","format":false,"excerpt":"National Consumer Disputes Redressal Commission (NCDRC): C. Viswanath (Presiding Member) expressed that: Section 50 of the Insurance Act imposes a statutory obligation on the part of the Insurance Company to issue notice before the expiry of three months from the date on which premium is payable and has not been\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\/32421","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\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/comments?post=32421"}],"version-history":[{"count":0,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/32421\/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=32421"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/categories?post=32421"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/tags?post=32421"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}