{"id":239547,"date":"2010-05-24T00:00:00","date_gmt":"2010-05-23T18:30:00","guid":{"rendered":"https:\/\/www.legalindia.com\/judgments\/united-india-insurance-co-ltd-vs-lukni-devi-ors-on-24-may-2010"},"modified":"2017-06-13T23:29:05","modified_gmt":"2017-06-13T17:59:05","slug":"united-india-insurance-co-ltd-vs-lukni-devi-ors-on-24-may-2010","status":"publish","type":"post","link":"https:\/\/www.legalindia.com\/judgments\/united-india-insurance-co-ltd-vs-lukni-devi-ors-on-24-may-2010","title":{"rendered":"United India Insurance Co. Ltd. vs Lukni Devi &amp; Ors. on 24 May, 2010"},"content":{"rendered":"<div class=\"docsource_main\">Delhi High Court<\/div>\n<div class=\"doc_title\">United India Insurance Co. Ltd. vs Lukni Devi &amp; Ors. on 24 May, 2010<\/div>\n<div class=\"doc_author\">Author: Shiv Narayan Dhingra<\/div>\n<pre> *                   IN THE HIGH COURT OF DELHI AT NEW DELHI\n\n+                                      F.A.O. No.286 of 2001\n\n%                                                                              24.05.2010\n\n         UNITED INDIA INSURANCE CO. LTD.                 ...... Appellant\n                              Through: Mr. Pankaj Seth, Advocate.\n\n                                            Versus\n\n         LUKNI DEVI &amp; ORS.                                          ......Respondents\n                                       Through: None.\n\n                                                              Reserved on: 15th April, 2010\n                                                            Pronounced on: May 24, 2010\n\n         JUSTICE SHIV NARAYAN DHINGRA\n\n1.       Whether reporters of local papers may be allowed to see the judgment?\n\n2.       To be referred to the reporter or not?\n\n3.       Whether judgment should be reported in Digest?\n\n                                      JUDGMENT\n<\/pre>\n<p>1.       This appeal has been preferred by insurance company against an award passed by<\/p>\n<p>the Tribunal on 19th March, 2001 whereby the Tribunal awarded compensation of<\/p>\n<p>Rs.1,77,060\/- to the claimants and held that it was the liability of the insurance company<\/p>\n<p>to pay the entire claim. It is submitted that the Tribunal wrongly held that the liability of<\/p>\n<p>the insurance company was unlimited because of non-proving of the insurance policy<\/p>\n<p>whereas there was sufficient material before the Tribunal to show that premium of<\/p>\n<p>Rs.240\/- only was charged and the liability of insurance company was, therefore, limited<\/p>\n<p>to Rs.50,000\/-.\n<\/p>\n<p>2.       I find that the insurance company has even not cared to read the provisions of<\/p>\n<p>even 1939 Act as amended in October, 1982 when the Legislature amended the limits of<\/p>\n<p>minimum liability from Rs.50,000\/- to Rs.1,50,000\/-. However in any case, the plea<\/p>\n<p><span class=\"hidden_text\">F.A.O. No.286\/2001                                                              Page No.1 of 4<\/span><br \/>\n taken by the insurance company that since the premium was Rs.240\/-, the liability of the<\/p>\n<p>insurance company was limited to Rs.50,000\/- is is not tenable. This court in F.A.O. No.<\/p>\n<p>257 of 1991 titled Neeta Trehan &amp; Ors. Vs. Gopal Krishan &amp; Ors., decided on 17th May,<\/p>\n<p>2010, observed as under :-\n<\/p>\n<blockquote><p>                     &#8220;14. The issue arises whether this insurance cover obtained by<br \/>\n                     the insured was limited to a liability of Rs.1,50,000\/- being the<br \/>\n                     minimum liability for which a vehicle was required to be insured<br \/>\n                     by the owner or this premium covered wider liability. Counsel for<br \/>\n                     the appellants has drawn my attention to the judgment in Veena<br \/>\n                     Pruthi&#8217;s case (supra) given by the Division Bench of this court<br \/>\n                     where the Division Bench of this court held that if the premium<br \/>\n                     was Rs.125\/-, the liability would be limited to Rs.1,50,000\/- and<br \/>\n                     not unlimited. On the same logic it is stated that if the premium<br \/>\n                     was Rs.240\/- for class A(2) vehicle, the liability of insurance<br \/>\n                     company would be limited to Rs.1,50,000\/-.\n<\/p><\/blockquote>\n<blockquote><p>                     15.     Where obtaining of an insurance cover is made mandatory<br \/>\n                     by statute, the contract is to be interpreted in the light of statutory<br \/>\n                     provisions. In case of motor vehicles, obtaining of an insurance<br \/>\n                     cover by the owners of vehicles is a statutory requirement. Thus,<br \/>\n                     an insurance policy has to be interpreted keeping in view the<br \/>\n                     statutory provisions and the rules of tariff as framed by the<br \/>\n                     Advisory Board. Under the tariff rules, two separate tariffs are<br \/>\n                     provided for &#8216;Act Only Liability&#8217; and for &#8216;Public Risk&#8217;. It cannot<br \/>\n                     be said that the Advisory Board provided tariff for &#8216;Act Only<br \/>\n                     Liability&#8217; as a superfluous phenomenon. The Advisory Board was<br \/>\n                     having in mind that where the owner wants to take an insurance<br \/>\n                     policy covering the minimum liability under Section 95 of the Act,<br \/>\n                     then the premium should be different. If the owner wants wider<br \/>\n                     liability then the premium should be different and that is the<br \/>\n                     reason that for &#8216;Act Only Liability&#8217;, a premium of Rs.200\/- was<br \/>\n                     provided and for &#8216;Public Risk&#8217;, a premium of Rs.240\/- was<br \/>\n                     provided. Public risk is a wider term and takes into account the<br \/>\n                     entire risk faced by the owner for bringing vehicle on road. If<br \/>\n                     there had been no compulsion under the Act to obtain an insurance<br \/>\n                     policy, the only insurance cover which owner could have obtained<br \/>\n                     from an insurance company for covering public risk would have<br \/>\n                     been this that he would pay Rs.240\/- and get the public risk<br \/>\n                     covered. If the Act would have not prescribed any limit, the public<br \/>\n                     risk would naturally have been unlimited. The Act prescribed that<br \/>\n                     every owner of vehicle should get insurance cover covering a<br \/>\n                     minimum amount. Beyond that, the Act did not provide anything.<br \/>\n                     It is under these circumstances that the Tariff Advisory Committee<br \/>\n                     prescribed separate premium for &#8216;Act Only Policy&#8217; and separate<br \/>\n                     premium for a &#8216;Public Risk Policy&#8217;. I, therefore, consider that the<\/p>\n<p><span class=\"hidden_text\">F.A.O. No.286\/2001                                                                     Page No.2 of 4<\/span><br \/>\n                      &#8216;Public Risk&#8217; premium would cover unlimited amount of risk and<br \/>\n                     would not cover a limited amount of risk.\n<\/p><\/blockquote>\n<blockquote><p>                     &#8230;&#8230;&#8230;&#8230;&#8230;&#8230;\n<\/p><\/blockquote>\n<blockquote><p>                     18.     There is another aspect to be kept in mind. When an owner<br \/>\n                     approaches insurance agent for insurance, he is told what would<br \/>\n                     be the tariff payable by him and on payment of tariff, an insurance<br \/>\n                     certificate or cover note is issued. The contract of insurance, thus,<br \/>\n                     stands concluded on receipt of tariff\/premium in terms of the tariff<br \/>\n                     schedule as laid down by Advisory Board. Insurance policy is<br \/>\n                     subsequently mailed to owner by insurance company. If insurance<br \/>\n                     company unilaterally inserts a clause in the policy which is<br \/>\n                     contrary to tariff regulations, such a clause is not binding. All<br \/>\n                     insurance policies are in the shape of one standard performa used<br \/>\n                     for different kinds of coverage. If while sending insurance policy<br \/>\n                     to owner the company official does not score off non-applicable<br \/>\n                     clauses or inserts a limited liability clause which is contrary to the<br \/>\n                     tariff charged from owner, such a clause is not binding.&#8221;\n<\/p><\/blockquote>\n<p>3.       In the present case, the insurance company has charged a premium of Rs.240\/- for<\/p>\n<p>&#8216;Third Party Liability&#8217;, that is, public liability. The tariff rate for Class B (1) passenger<\/p>\n<p>carrying vehicle prevalent at that time was as under :-\n<\/p>\n<pre>              CLASS B (1) :      PASSENGER CARRYING VEHICLES-\n                                 (Excluding Passenger Risks)\n                                 a) Buses\/(including Tourist Buses)\n                                 b) Hotel\/School omnibuses\n                                 c) Airline Buses\n<\/pre>\n<p>              Subject to Endorsement No.26 and compulsory Excess of Rs.500\/-<br \/>\n              except in the case of Liability to the Public Risk.\n<\/p>\n<pre>                Maximum           Licensed     Own Damage         Liability     'Act\n                Passenger         Carrying                         to the      Only'\n                Capacity                                           Public     Liability\n                                                                   Risks\n                Not exceeding 18 Seats        Rs.280 +    1.10%   Rs.240\/-    Rs.200\/-\n                                              on I.E.V.\n                Not exceeding 36 Seats        Rs.360 +    1.10%   Rs.240\/-    Rs.200\/-\n                                              on I.E.V.\n                Not exceeding 60 Seats        Rs.440 +    1.10%   Rs.240\/-    Rs.200\/-\n                                              on I.E.V.\n                Exceeding        60 Seats     Rs.545 +    1.80%   Rs.240\/-    Rs.200\/-\n                                              on I.E.V.\n\n\n\n\n<span class=\"hidden_text\">F.A.O. No.286\/2001                                                                    Page No.3 of 4<\/span>\n<\/pre>\n<p> 4.       It is apparent from perusal of this tariff rate that in case of limited liability, the<\/p>\n<p>premium was Rs.200\/- and not Rs.240\/-. It was incumbent upon the insurance company<\/p>\n<p>to show as to how, by charging a premium of Rs.240\/-, which was not premium for an<\/p>\n<p>&#8216;Act Only Liability&#8217; premium, a claim could be made by it that its liability was limited as<\/p>\n<p>per &#8216;Act Only&#8217;. The premium charged was liability to &#8216;Public Risk&#8217; without any limit.<\/p>\n<p>5.       I, therefore, consider that the Tribunal rightly held that the liability of the<\/p>\n<p>insurance company was unlimited, though the route adopted by the Tribunal was<\/p>\n<p>different. The appeal is hereby dismissed.\n<\/p>\n<\/p>\n<p>                                                           SHIV NARAYAN DHINGRA J.\n<\/p>\n<p>MAY 24, 2010<br \/>\n&#8216;AA&#8217;<\/p>\n<p><span class=\"hidden_text\">F.A.O. No.286\/2001                                                                 Page No.4 of 4<\/span>\n <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Delhi High Court United India Insurance Co. Ltd. vs Lukni Devi &amp; Ors. on 24 May, 2010 Author: Shiv Narayan Dhingra * IN THE HIGH COURT OF DELHI AT NEW DELHI + F.A.O. No.286 of 2001 % 24.05.2010 UNITED INDIA INSURANCE CO. LTD. &#8230;&#8230; Appellant Through: Mr. Pankaj Seth, Advocate. Versus LUKNI DEVI &amp; ORS. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[14,8],"tags":[],"class_list":["post-239547","post","type-post","status-publish","format-standard","hentry","category-delhi-high-court","category-high-court"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>United India Insurance Co. 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