Violations Must Constitute Fundamental Breach To Deny Insurance Claim: NCDRC Holds Bharti General Insurance Liable For Deficiency In Service

The NCDRC held that violations of the terms and conditions of an insurance policy constitute a fundamental breach, which justifies the denial of an insurance claim. The case involved an insurance claim where the insurer had denied coverage based on alleged violations of the policy terms. The NCDRC found that the violations were significant enough to negate the validity of the claim. The ruling underscores the importance of adhering to the terms of an insurance policy and establishes that non-compliance with essential terms can lead to the rejection of claims, reinforcing the principle of contract enforcement in insurance agreements.