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2025 Supreme(Online)(NCDRC) 3180

NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION
D.K. JAIN, PRESIDENT, VINAY KUMAR, MEMBER
AGRICULTURE INSURANCE CO. OF INDIA LTD. – Appellant
Versus
AMBARDI SEVA SAHKARI MANDI LTD. – Respondent
FIRST APPEAL NO. 775 OF 2014 | FIRST APPEAL NO. 1000 OF 2014 | FIRST APPEAL NO. 1001 OF 2014 | FIRST APPEAL NO. 776 OF 2014 | FIRST APPEAL NO. 777 OF 2014 | FIRST APPEAL NO. 778 OF 2014 | FIRST APPEAL NO. 779 OF 2014 | FIRST APPEAL NO. 780 OF 2014 | FIRST APPEAL NO. 781 OF 2014 | FIRST APPEAL NO. 782 OF 2014 | FIRST APPEAL NO. 783 OF 2014 | FIRST APPEAL NO. 784 OF 2014 | FIRST APPEAL NO. 785 OF 2014 | FIRST APPEAL NO. 786 OF 2014 | FIRST APPEAL NO. 787 OF 2014 | FIRST APPEAL NO. 788 OF 2014 | FIRST APPEAL NO. 789 OF 2014 | FIRST APPEAL NO. 790 OF 2014 | FIRST APPEAL NO. 791 OF 2014 | FIRST APPEAL NO. 792 OF 2014 | FIRST APPEAL NO. 793 OF 2014 | FIRST APPEAL NO. 794 OF 2014 | FIRST APPEAL NO. 795 OF 2014 | FIRST APPEAL NO. 796 OF 2014 | FIRST APPEAL NO. 797 OF 2014 | FIRST APPEAL NO. 798 OF 2014 | FIRST APPEAL NO. 799 OF 2014 | FIRST APPEAL NO. 800 OF 2014 | FIRST APPEAL NO. 801 OF 2014 | FIRST APPEAL NO. 802 OF 2014 | FIRST APPEAL NO. 803 OF 2014 | FIRST APPEAL NO. 804 OF 2014 | FIRST APPEAL NO. 805 OF 2014 | FIRST APPEAL NO. 806 OF 2014 | FIRST APPEAL NO. 807 OF 2014 | FIRST APPEAL NO. 808 OF 2014 | FIRST APPEAL NO. 809 OF 2014 | FIRST APPEAL NO. 810 OF 2014 | FIRST APPEAL NO. 811 OF 2014 | FIRST APPEAL NO. 812 OF 2014 | FIRST APPEAL NO. 813 OF 2014 | FIRST APPEAL NO. 814 OF 2014 | FIRST APPEAL NO. 815 OF 2014 | FIRST APPEAL NO. 816 OF 2014 | FIRST APPEAL NO. 817 OF 2014 | FIRST APPEAL NO. 818 OF 2014 | FIRST APPEAL NO. 819 OF 2014 | FIRST APPEAL NO. 820 OF 2014 | FIRST APPEAL NO. 821 OF 2014 | FIRST APPEAL NO. 822 OF 2014 | FIRST APPEAL NO. 823 OF 2014 | FIRST APPEAL NO. 824 OF 2014 | FIRST APPEAL NO. 825 OF 2014 | FIRST APPEAL NO. 826 OF 2014 | FIRST APPEAL NO. 827 OF 2014 | FIRST APPEAL NO. 828 OF 2014 | FIRST APPEAL NO. 829 OF 2014 | FIRST APPEAL NO. 830 OF 2014 | FIRST APPEAL NO. 831 OF 2014 | FIRST APPEAL NO. 832 OF 2014 | FIRST APPEAL NO. 833 OF 2014 | FIRST APPEAL NO. 834 OF 2014 | FIRST APPEAL NO. 835 OF 2014 | FIRST APPEAL NO. 836 OF 2014 | FIRST APPEAL NO. 837 OF 2014 | FIRST APPEAL NO. 838 OF 2014 | FIRST APPEAL NO. 839 OF 2014 | FIRST APPEAL NO. 840 OF 2014 | FIRST APPEAL NO. 841 OF 2014 | FIRST APPEAL NO. 842 OF 2014 | FIRST APPEAL NO. 843 OF 2014 | FIRST APPEAL NO. 844 OF 2014 | FIRST APPEAL NO. 845 OF 2014 | FIRST APPEAL NO. 846 OF 2014 | FIRST APPEAL NO. 847 OF 2014 | FIRST APPEAL NO. 848 OF 2014 | FIRST APPEAL NO. 849 OF 2014 | FIRST APPEAL NO. 850 OF 2014 | FIRST APPEAL NO. 851 OF 2014 | FIRST APPEAL NO. 852 OF 2014 | FIRST APPEAL NO. 853 OF 2014 | FIRST APPEAL NO. 854 OF 2014 | FIRST APPEAL NO. 855 OF 2014 | FIRST APPEAL NO. 856 OF 2014 | FIRST APPEAL NO. 857 OF 2014 | FIRST APPEAL NO. 858 OF 2014 | FIRST APPEAL NO. 859 OF 2014 | FIRST APPEAL NO. 860 OF 2014 | FIRST APPEAL NO. 861 OF 2014 | FIRST APPEAL NO. 862 OF 2014 | FIRST APPEAL NO. 863 OF 2014 | FIRST APPEAL NO. 864 OF 2014 | FIRST APPEAL NO. 865 OF 2014 | FIRST APPEAL NO. 866 OF 2014 | FIRST APPEAL NO. 867 OF 2014 | FIRST APPEAL NO. 868 OF 2014 | FIRST APPEAL NO. 869 OF 2014 | FIRST APPEAL NO. 870 OF 2014 | FIRST APPEAL NO. 871 OF 2014 | FIRST APPEAL NO. 872 OF 2014 | FIRST APPEAL NO. 873 OF 2014 | FIRST APPEAL NO. 874 OF 2014 | FIRST APPEAL NO. 875 OF 2014 | FIRST APPEAL NO. 876 OF 2014 | FIRST APPEAL NO. 877 OF 2014 | FIRST APPEAL NO. 878 OF 2014 | FIRST APPEAL NO. 879 OF 2014 | FIRST APPEAL NO. 880 OF 2014 | FIRST APPEAL NO. 881 OF 2014 | FIRST APPEAL NO. 882 OF 2014 | FIRST APPEAL NO. 883 OF 2014 | FIRST APPEAL NO. 884 OF 2014 | FIRST APPEAL NO. 885 OF 2014 | FIRST APPEAL NO. 886 OF 2014 | FIRST APPEAL NO. 887 OF 2014 | FIRST APPEAL NO. 888 OF 2014 | FIRST APPEAL NO. 889 OF 2014 | FIRST APPEAL NO. 890 OF 2014 | FIRST APPEAL NO. 891 OF 2014 | FIRST APPEAL NO. 892 OF 2014 | FIRST APPEAL NO. 893 OF 2014 | FIRST APPEAL NO. 894 OF 2014 | FIRST APPEAL NO. 895 OF 2014 | FIRST APPEAL NO. 896 OF 2014 | FIRST APPEAL NO. 897 OF 2014 | FIRST APPEAL NO. 898 OF 2014 | FIRST APPEAL NO. 899 OF 2014 | FIRST APPEAL NO. 900 OF 2014 | FIRST APPEAL NO. 901 OF 2014 | FIRST APPEAL NO. 902 OF 2014 | FIRST APPEAL NO. 903 OF 2014 | FIRST APPEAL NO. 904 OF 2014 | FIRST APPEAL NO. 905 OF 2014 | FIRST APPEAL NO. 906 OF 2014 | FIRST APPEAL NO. 907 OF 2014 | FIRST APPEAL NO. 908 OF 2014 | FIRST APPEAL NO. 909 OF 2014 | FIRST APPEAL NO. 910 OF 2014 | FIRST APPEAL NO. 911 OF 2014 | FIRST APPEAL NO. 912 OF 2014 | FIRST APPEAL NO. 913 OF 2014 | FIRST APPEAL NO. 914 OF 2014 | FIRST APPEAL NO. 915 OF 2014 | FIRST APPEAL NO. 916 OF 2014 | FIRST APPEAL NO. 917 OF 2014 | FIRST APPEAL NO. 918 OF 2014 | FIRST APPEAL NO. 919 OF 2014 | FIRST APPEAL NO. 920 OF 2014 | FIRST APPEAL NO. 921 OF 2014 | FIRST APPEAL NO. 922 OF 2014 | FIRST APPEAL NO. 923 OF 2014 | FIRST APPEAL NO. 924 OF 2014 | FIRST APPEAL NO. 925 OF 2014 | FIRST APPEAL NO. 926 OF 2014 | FIRST APPEAL NO. 927 OF 2014 | FIRST APPEAL NO. 928 OF 2014 | FIRST APPEAL NO. 929 OF 2014 | FIRST APPEAL NO. 930 OF 2014 | FIRST APPEAL NO. 931 OF 2014 | FIRST APPEAL NO. 932 OF 2014 | FIRST APPEAL NO. 933 OF 2014 | FIRST APPEAL NO. 934 OF 2014 | FIRST APPEAL NO. 935 OF 2014 | FIRST APPEAL NO. 936 OF 2014 | FIRST APPEAL NO. 937 OF 2014 | FIRST APPEAL NO. 938 OF 2014 | FIRST APPEAL NO. 939 OF 2014 | FIRST APPEAL NO. 940 OF 2014 | FIRST APPEAL NO. 941 OF 2014 | FIRST APPEAL NO. 942 OF 2014 | FIRST APPEAL NO. 943 OF 2014 | FIRST APPEAL NO. 944 OF 2014 | FIRST APPEAL NO. 945 OF 2014 | FIRST APPEAL NO. 946 OF 2014 | FIRST APPEAL NO. 947 OF 2014 | FIRST APPEAL NO. 948 OF 2014 | FIRST APPEAL NO. 949 OF 2014 | FIRST APPEAL NO. 950 OF 2014 | FIRST APPEAL NO. 951 OF 2014 | FIRST APPEAL NO. 952 OF 2014 | FIRST APPEAL NO. 953 OF 2014 | FIRST APPEAL NO. 954 OF 2014 | FIRST APPEAL NO. 955 OF 2014 | FIRST APPEAL NO. 956 OF 2014 | FIRST APPEAL NO. 957 OF 2014 | FIRST APPEAL NO. 958 OF 2014 | FIRST APPEAL NO. 959 OF 2014 | FIRST APPEAL NO. 960 OF 2014 | FIRST APPEAL NO. 961 OF 2014 | FIRST APPEAL NO. 962 OF 2014 | FIRST APPEAL NO. 963 OF 2014 | FIRST APPEAL NO. 964 OF 2014 | FIRST APPEAL NO. 965 OF 2014 | FIRST APPEAL NO. 966 OF 2014 | FIRST APPEAL NO. 967 OF 2014 | FIRST APPEAL NO. 968 OF 2014 | FIRST APPEAL NO. 969 OF 2014 | FIRST APPEAL NO. 970 OF 2014 | FIRST APPEAL NO. 971 OF 2014 | FIRST APPEAL NO. 972 OF 2014 | FIRST APPEAL NO. 973 OF 2014 | FIRST APPEAL NO. 974 OF 2014 | FIRST APPEAL NO. 975 OF 2014 | FIRST APPEAL NO. 976 OF 2014 | FIRST APPEAL NO. 977 OF 2014 | FIRST APPEAL NO. 978 OF 2014 | FIRST APPEAL NO. 979 OF 2014 | FIRST APPEAL NO. 980 OF 2014 | FIRST APPEAL NO. 981 OF 2014 | FIRST APPEAL NO. 982 OF 2014 | FIRST APPEAL NO. 983 OF 2014 | FIRST APPEAL NO. 984 OF 2014 | FIRST APPEAL NO. 985 OF 2014 | FIRST APPEAL NO. 986 OF 2014 | FIRST APPEAL NO. 987 OF 2014 | FIRST APPEAL NO. 988 OF 2014 | FIRST APPEAL NO. 989 OF 2014 | FIRST APPEAL NO. 990 OF 2014 | FIRST APPEAL NO. 991 OF 2014 | FIRST APPEAL NO. 992 OF 2014 | FIRST APPEAL NO. 993 OF 2014 | FIRST APPEAL NO. 994 OF 2014 | FIRST APPEAL NO. 995 OF 2014 | FIRST APPEAL NO. 996 OF 2014 | FIRST APPEAL NO. 997 OF 2014 | FIRST APPEAL NO. 998 OF 2014 | FIRST APPEAL NO. 999 OF 2014 | FIRST APPEAL NO. 1000 OF 2014 | FIRST APPEAL NO. 1001 OF 2014 | FIRST APPEAL NO. 1002 OF 2014 | FIRST APPEAL NO. 1003 OF 2014 | FIRST APPEAL NO. 1004 OF 2014



Advocates:
For the Appellants/Petitioners:Mr.Ashok Kr. Gupta, Sr. Advocate, Mr.Arvind Gaur, Advocate
For the Respondents:

The judgment reinforces the requirement for insurance providers to adhere strictly to statutory obligations while processing claims.

Headnote:The appeal concerns statutory interpretation and the sufficiency of evidence to support claims under relevant insurance principles. The appellant challenged the order from the Gujarat State Commission concerning a complaint filed by the respondent, asserting wrongful denial of insurance coverage. The court found that the evidence presented by the appellants lacked sufficient legal basis to overturn the initial ruling, highlighting the necessity for proper claims processing in accordance with the governing insurance laws.

Result: The appeal stands disposed of with directions to adhere to legislative compliance in future.

FIRST APPEAL NO. 1000 OF 2014 (Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)

WITH IA/6500/2014,IA/6659/2014

1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.

REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA, AHMEDABAD - 380 052 ...........Appellant(s)

Versus

1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR ...........Respondent(s)

FIRST APPEAL NO. 1001 OF 2014 (Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)

WITH IA/6500/2014,IA/6659/2014

1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.

REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA, AHMEDABAD - 380 052 ...........Appellant(s)

Versus

1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR ...........Respondent(s)

FIRST APPEAL NO. 776 OF 2014 RING ROAD, MEMNAGAR CHAR RASTA, AHMEDABAD - 380 052 ...........Appellant(s)

Versus

1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR ...........Respondent(s)

FIRST APPEAL NO. 777 OF 2014 (Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)

WITH IA/6500/2014,IA/6659/2014

1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.

REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA, AHMEDABAD - 380 052 ...........Appellant(s)

Versus

1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR ...........Respondent(s)

FIRST APPEAL NO. 778 OF 2014 (Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)

WITH IA/6500/2014,IA/6659/2014

1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.

REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA, AHMEDABAD - 380 052 ...........Appellant(s)

Versus

1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR ...........Respondent(s)

FIRST APPEAL NO. 779 OF 2014 (Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)

WITH IA/6500/2014,IA/6659/2014

1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.

REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA, AHMEDABAD - 380 052 ...........Appellant(s)

FIRST APPEAL NO. 780 OF 2014 ORS.

REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA, AHMEDABAD - 380 052 ...........Appellant(s)

Versus

1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR ...........Respondent(s)

FIRST APPEAL NO. 781 OF 2014 (Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)

WITH IA/6500/2014,IA/6659/2014

1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.

REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA, AHMEDABAD - 380 052 ...........Appellant(s)

Versus

1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR ...........Respondent(s)

FIRST APPEAL NO. 782 OF 2014 (Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)

WITH IA/6500/2014,IA/6659/2014

1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.

REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA, AHMEDABAD - 380 052 ...........Appellant(s)

Versus

1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR ...........Respondent(s)

FIRST APPEAL NO. 783 OF 2014 (Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)

WITH IA/6500/2014,IA/6659/2014

1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.

REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA, FIRST APPEAL NO. 784 OF 2014

1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.

REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA, AHMEDABAD - 380 052 ...........Appellant(s)

Versus

1. AMBARDI SEVA SAHKARI MANDI LTD. & ANR ...........Respondent(s)

FIRST APPEAL NO. 785 OF 2014 (Against the Order dated 28/02/2014 in Complaint No. 310/2002 of the State Commission Gujarat)

WITH IA/6500/2014,IA/6659/2014

1. AGRICULTURE INSURANCE CO. OF INDIA LTD. & 2 ORS.

REGIONAL OFFICE SAHJANAND ARCADE, 132, FEET RING ROAD, MEMNAGAR CHAR RASTA, AHMEDABAD - 380 052 ...........Appellant(s)

Versus

1. AMBARDI SEVA SAHKARI MANDI LTD.

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