Chandigarh Ombudsman Centre
Case No. : GIC/301/NIA/11/08
Dalbir Singh
Vs
New India Assurance Co. Ltd.
Shri. Dalbir Singh got his Hero Honda motorcycle bearing no PB-16B-6731 insured from BO Mehatpur for the period 31.7.06 to 30.7.07 for sum insured of Rs. 32,000/-. The vehicle met with an accident on 18.2.07. The claim lodged with the insurer had been repudiated on the ground that the vehicle had been sold to Shri Gurdeep Singh on 8.2.07. Hence, the complainant had no insurable interest on the date of accident.
Held that the repudiation of the claim by the insurer on the ground of absence of insurable interest of the complainant was in order. The payment also cannot be made to Shri Gurdeep Singh, the purchaser of the vehicle since there was no contract between him and the insurer, as the insurance cover had not been transferred in his name. The repudiation of the claim was justified. The complaint was dismissed.
