Chandigarh Ombudsman Centre
Case No. : GIC/348/NIC/14/08
Anil Shukla
Vs
National Insurance Co. Ltd.
Shri Anil Shukla got his Hero Honda motorcycle bearing no. HR-29P-2366 insured for the period 17.2.06 to 16.2.07. His vehicle was stolen on 31.7.06 for which an FIR was lodged the same day. All relevant papers including claim form, FIR, RC and driving licence were submitted with the insurer. However, the claim was made as ‘no claim’ on the ground of delay in reporting to the insurer.
Held that FIR was lodged on the very day of the theft of the motorcycle. However, the complainant erred in not following up the same with the insurer and hence the communication gap with the insurer could not be covered. Since there was lapse on the part of the complainant in following up the case, it does not mean that the theft had not taken place. Hence ordered that 50% of the admissible claim amount of claim should be paid by the insurer to the complainant.
