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S. P. TAVADE, POONAM V. MAHARSHI
United India Insurance Co. Ltd. – Appellant
Versus
Metco Enterprises Pvt. Ltd. – Respondent
ORDER
Poonam V. Maharshi, Member.—Being aggrieved and dissatisfied with the order dated 29/06/2021 passed by the District Consumer Disputes Redressal Commission, South Mumbai in Complaint No.235 of 2014 the original opponent has preferred this appeal. Parties to this appeal shall be called and referred by their original nomenclature as given in the complaint.
2. The brief facts of the case can be summarized as under:
The complainant is a company, the opponent is an insurance company. The complainant had taken insurance policy for his truck from the opponent bearing policy No. 12010031120100001914. The Complainant’s truck had met with an accident at Khed Taluka District Pune and caused loss to cabin and front part of the truck. Thereafter on 07/08/2012 Khed Police station recorded panchanama about the accident. The complainant sent letter dated 13th August, 2012 along with Motor Claim Form dated 14th August, 2012 along with estimate prepared by the Chhanan Industries dated 11/08/2012. Thereafter, the complainant on 20/05/2013 sent one e-mail regarding original vehicle documents to the surveyor one Mr.S.S. Bright for verification. On 27/09/2013 the complainant sent e-mail to opponent
If application of renewal of motor vehicle licence is made within 30 days of date of its expiry, licence continues to be effective & valid without a break as renewal dates back to date of its expiry.
A driver lacking a valid endorsement to carry hazardous goods cannot obtain insurance coverage, constituting a breach of policy terms, therefore exonerating the insurer from liability.
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