Mahatma Gandhi University of Medical Sciences & Technology Through Assistant Registrar, Mr. Ramesh Chand Gaud vs United India Insurance Company Ltd.

Judicial Analysis Court Copy Headnote Facts Arguments Court observation

2025 Supreme(Online)(NCDRC) 2867

NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION
AVM J. Rajendra, AVSM, VSM (RETD.), MEMBER, Mr. Subhash Chandra, PRESIDING MEMBER
Mahatma Gandhi University of Medical Sciences & Technology Through Assistant Registrar, Mr. Ramesh Chand Gaud – Appellant
Versus
United India Insurance Company Ltd. – Respondent

Advocates:
For the Appellant:Mr. N. Shokeen, Advocate (VC)
For the Respondent:Mr. Abhishek Kumar Gola, Advocate (VC)

Table of Content
1. initiation of appeal under consumer protection law. (Para 1 , 2 , 3)
2. allegations surrounding the no claim bonus and misrepresentation. (Para 4 , 5)
3. court's observations on the duty of disclosure and precedent. (Para 10 , 11 , 12)
4. assessment of misrepresentation and consequences for insurance claims. (Para 13 , 14 , 15)

JUDGMENT

AVM J. RAJENDRA, AVSM, VSM (RETD.),MEMBER

1. The Complainant/Appellant filed the instant Appeal under section 19 of the Consumer Protection Act , 1986 (“the Act”), against the Order dated 07.03.2022 passed by the Rajasthan State Consumer Disputes Redressal Commission, Jaipur (“State Commission”) in CC No. 37 of 2020, wherein the State Commission dismissed the Complaint.

2. As per office report, there is 01 day delay in filing of this First Appeal and the delay is condoned.

3. For convenience, the parties in the present matter are being referred to as per position held in the Consumer Complaint.

4. Brief facts of the case, as per the complainant, are that the complainant purchased a vehicle from Opposite Party (OP)-5 and obtained an insurance policy from OP-1 and 2 through their agents viz OP-3 and 4. During the validity of the said insura

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