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2025 Supreme(Online)(Ker) 58202

IN THE HIGH COURT OF KERALA AT ERNAKULAM
S.MANU, J
NATIONAL INSURANCE COMPANY LIMITED DIVISIONAL OFFICE, KANNUR – Appellant
Versus
MEGHA .C. – Respondent


Advocates:
For the Appellants/Petitioners: SHRI.KIRAN PETER KURIAKOSE
For the Respondents: SRI.LIJIN THAMBAN, SRI.P.C.CHACKO(PARATHANAM), SMT.ANJU GIREESH

Table of Content
1. determination of liability concerning compensation for employment-related fatalities. (Para 1 , 2 , 3)
2. arguments regarding the application of insurance coverage and notional extension. (Para 4 , 5 , 6)
3. court observations on terms of the insurance policy and liability implications. (Para 7 , 8 , 9)
4. concept of employment and engagement in work when assessing insurance liability. (Para 10 , 11 , 12)
5. final ruling based on legal precedents and insurance policy applicability. (Para 13 , 14)

JUDGMENT

Second opposite party in ECC 153/2021 of the Industrial Tribunal and Employees' Compensation Commissioner, Kozhikode has filed this appeal. Respondents 1 to 3 were the applicants before the Commissioner. They are respectively the wife, minor son and mother of late Sri.Lyju.K., a Reserve Conductor in KSRTC who passed away in a road traffic accident on 30.10.2019 at about 5:45 am while travelling on his motorcycle to join duty at Kannur depot of KSRTC. The place of accident was between his residence and place of employment. He was bound to join duty for operating a bus owned by the KSRTC scheduled to start its first trip at 6:20 am on the fateful day.

2. The learned Com

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