NCDRC Holds ICICI General Insurance Liable For Deficiency In Service Over Denial Of Insurance Claim

The National Consumer Disputes Redressal Commission (NCDRC) held ICICI Lombard General Insurance liable for deficiency in service for denying an insurance claim based on delayed notification. The complainant’s Tata Sumo was stolen, and despite reporting the theft to the police and insurer with delays, the NCDRC ruled that the delays did not justify repudiation of the claim. The insurer’s appeal to the State Commission was overruled, and the NCDRC emphasized that legitimate claims cannot be denied solely due to procedural delays, reinforcing consumer protection principles.