ORDER

1. Leave granted.

2. When notice on the special leave petition was issued, this is what was stated:

"The question in this case is whether the Insurance Company can be permitted to realise the amount from the insured on the premise that the policy was taken subsequent to the accident. SLP as against Respondent 2 will stand dismissed. Issue notice to the 1st respondent, the owner of the vehicle, who is also the insured."

3. The policy of insurance gives the effective date of commencement as "22-9-1986 ... 1.10 p.m.". Thereafter is printed, "(BOTH DAYS INCLUSIVE)". Relying upon what is in brackets, the Tribunal and the court below came to the conclusion that the Insurance Company was liable even though the accident in question had occurred at 11.30 a.m. on the same day i.e. before the issuance of the policy. The point in question would appear to be covered by the judgment of this Court in Oriental Insurance Co. Ltd. v. Sunita Rathi where it has been held that the insurer cannot be held liable when the time of insurance of the policy is mentioned thereon and the accident has occurred before that time.

4. Accordingly the appeal of the Insurance Company has to be allowed. The entire