Insurance firm penalised for rejecting theft claim
The district consumer disputes redressal forum, Chandigarh, has directed an insurance company to pay Rs 10,000 as compensation to a Sector 38 resident for rejecting claim of his stolen vehicle.chandigarh Updated: Aug 16, 2014 20:54 IST
The district consumer disputes redressal forum, Chandigarh, has directed an insurance company to pay Rs 10,000 as compensation to a Sector 38 resident for rejecting claim of his stolen vehicle.
Disposing of complaint filed by Pavneet Singh, a resident of Sector 38, the consumer forum directed the national insurance company to pay claim of Rs 44,159 of the stolen two-wheeler along with Rs 7,000 as a cost of litigation.
Singh had moved the consumer forum after the insurance company rejected his claim filed after his Honda Activa insured with National Insurance Company Limited was stolen on December 8, 2012, from parking of Sector 36 market.
Justifying the rejection of claim, National Insurance Company Limited said the complainant had not applied for registration of vehicle. They claimed that delay in settling the claim was solely due to failure of the complainant to clarify/submit the documents in support of his claim despite reminders.
The consumer forum presided over by Rajan Dewan on August 8 held: "We are of the view that even if the vehicle was not registered within the prescribed period, insurance company could not have repudiated the claim. Otherwise also, registration of the vehicle and the incident of theft were two absolutely different matters having no link whatsoever."
Dismissing the argument of the insurance company regarding delayed intimation, the consumer forum, said: "There is no merit in the contention of the insurance company that there was delay on the part of the complainant in intimating it about the theft and the same seems to be an afterthought."