(21) SMT. BALBIR KAUR Vs. PNB METLIFE INSURANCE COMPANY LTD. AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 11-02-2026 Consumer Protection Act, 1986 — Section 21(a)(i) — Repudiation of Life Insurance Policy — Non-disclosure of prior insurance policies — Whether material fact — Ambiguity in proposal form — Doctrine of contra proferentem — Burden of proof on insurer — Previous cancelled or lapsed policies do not constitute suppression of material India Law Library Docid # 2440677
(22) M/S. K.B. MOTORS PVT. LTD. Vs. RANJIT MUKHERJEE AND ANOTHER[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 11-02-2026 Consumer Protection Act, 1986 — Deficiency in service — Sale of Vehicle — Complaint for sale of a used vehicle as new — Issue of inconsistent documentation, mileage, and seating capacity — Petitioner argued Complainant suppressed facts and accepted benefits for used vehicle — Respondent argued misrepresentation, faulty India Law Library Docid # 2440678
(23) KESAR ENTERPRISES LIMITED Vs. NATIONAL INSURANCE CO. LTD. AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 11-02-2026 Insurance Law — Standard Fire and Special Perils Policy — Malicious Damage — Burden of Proof — Complainant must establish loss on balance of probabilities, not beyond reasonable doubt — Police report concluding sabotage but unable to identify culprit is sufficient proof for insurance claim. India Law Library Docid # 2440679
(24) ICICI LOMBARD GENERAL INSURANCE COMPANY LIMITED Vs. AJAY GOYAL AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 10-02-2026 Insurance Law — Consumer Protection — Major Medical Illness Policy — End Stage Renal Failure Definition — Acute Kidney Injury vs — End Stage Renal Failure — An acute kidney injury, while potentially serious and requiring dialysis, is not synonymous with "End Stage Renal Failure" as defined in an insurance policy, which specifically India Law Library Docid # 2440680
(25) CENTRAL BANK OF INDIA AND OTHERS Vs. AMAL KUMAR SHIKDAR AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 10-02-2026 Consumer Protection Act, 2019 — Section 51 — Appeal against State Commission order — Bank locker burglary — Deficiency in service — National Consumer Disputes Redressal Commission modified State Commission's order — The Commission found that while the bank was deficient in security measures, leading to a burglary, the quantum of loss of jewellery can only be determined by a civil court, not a consumer forum in a India Law Library Docid # 2440681
(26) CENTRAL BANK OF INDIA AND OTHERS Vs. AMAL KUMAR SHIKDAR AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 10-02-2026 Consumer Protection Act, 2019 — Section 51 — Appeal against State Commission order — Bank's liability for locker contents — Deficiency in service — Security lapses — Compensation. India Law Library Docid # 2440684
(27) SHRI C.F. MARJANI Vs. M/S B.Y. CONSTRUCTIONS PVT. LTD. AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 06-02-2026 Consumer Protection Act, 1986 — Deficiency in Service — Builder-buyer dispute — Non-execution of Sale Deed and delivery of possession. India Law Library Docid # 2440682
(28) CETTY KOTESWARA RAO Vs. M/S. APOLLO HOSPITALS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 05-02-2026 Consumer Protection Act, 1986 — Medical Negligence — Burden of Proof — Onus to prove medical negligence lies on the claimant and can be discharged by leading cogent evidence — Vague allegations without substantiation from medical documents and expert opinion are not sufficient. India Law Library Docid # 2440683
(29) M/S SWARNA MOTORS (NOW CLOSED) Vs. ORIENTAL INSURANCE COMPANY LIMITED AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 04-02-2026 Insurance Act, 1938 — Section 64-UM — Surveyor's Report — Admissibility of — Supreme Court has held that a surveyor's report is not final and conclusive, and can be departed from if there is contrary evidence or if it is found to be arbitrary — The insurer has the discretion to reject or accept the report, but this discretion must be exercised reasonably and not arbitrarily. India Law Library Docid # 2440685
(30) HDFC STANDARD LIFE INSURANCE CO. LTD. Vs. MEERADEVI[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 04-02-2026 Insurance Act, 1938 — Section 45 — Repudiation of life insurance policy — Suppression of material facts — Onus on insurer to prove suppression — Medical records showing diagnosis of cancer prior to policy issuance — Life assured failed to disclose this material fact in proposal form — Failure to disclose amounts to suppression India Law Library Docid # 2440686
(31) NEW INDIA ASSURANCE CO. LTD. Vs. SH. GANGA PRASAD GUPTA[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 03-02-2026 Consumer Protection Act, 1986 — Section 2(1)(g) — Deficiency in Service — Insurance Claim — Surveyor's Report not final and conclusive — Deductions by insurer without justification — Appeal allowed in part, modifying compensation awarded by the District Forum. India Law Library Docid # 2440687
(32) ICICI PRUDENTIAL LIFE INSURANCE CO. LTD. AND OTHER Vs. HARVINDER NAGPAL[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 02-02-2026 Consumer Protection Act, 1986 — Section 19 — Appeal against State Commission order — Insurance claim repudiation — Suppression of material facts — DLA diagnosed with cancer and underwent treatment prior to policy issuance — Failure to disclose in proposal form — amounted to suppression of material facts — State Commission order India Law Library Docid # 2440688
(33) DIVISIONAL MANAGER, NATIONAL INSURANCE COMPANY LIMITED AND ANOTHER Vs. BATTALA SUDHAKAR BABU[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 30-01-2026 Insurance Law — Repudiation of claim — Grounds for repudiation — Overloading — The National Consumer Disputes Redressal Commission held that to invalidate an insurance claim on the grounds of overloading, the insurance company must provide conclusive proof of such overloading — A discrepancy in consignment weight, where India Law Library Docid # 2440689
(34) RAKESH KUMAR SHUKLA Vs. ALOK EYE HEALTH AND OPTICAL CENTRE[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 30-01-2026 Consumer Protection Act, 1986 — Section 2(1)(d), 2(1)(g), 12 — Medical Negligence — Deficiency in Service — Consumer Status — District Forum dismissed complaint on preliminary ground, failing to decide on merits of medical negligence and deficiency in service — State Commission accepted petitioner as a consumer but wrongly held that a diploma holder could prescribe allopathic medicines — Prescription of allopathic India Law Library Docid # 2440690
(35) M/S IFFCO-TOKIO GENERAL INSURANCE COMPANY LTD. AND OTHERS Vs. M/S NIPPON YUSEN KABUSHIKI KAISHA AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 28-01-2026 Consumer Protection Act, 1986 — Section 2(1)(d) — Definition of "Consumer" — Insurance companies are entitled to file complaints under the Act as subrogees, either in their own name with the assured as an attorney holder, or jointly with the assured — They cannot maintain a complaint solely in their own name if the subrogation is considered a pure assignment. India Law Library Docid # 2440691
(36) M/S. MODERN AUTOMOBILES AND ANOTHER Vs. PREETY GURU AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 27-01-2026 Consumer Protection Act, 1986 — Sections 2(1)(g), 2(1)(r), 21(b) — Revision Petition — Motor Vehicle Dispute — Sale Certificate Year of Manufacture Alteration — Deficiency in Service — Complaint by purchaser that vehicle manufactured in 2011 was sold as 2012 model — Dealer issues second sale certificate with amended manufacture year — Both parties contributed to the dispute — Vehicle aged significantly, rendering India Law Library Docid # 2440692
(37) LIFE INSURANCE CORPORATION OF INDIA Vs. NANDLAL TIWARI[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 22-01-2026 Consumer Protection Act, 1986 — Section 21(b) — Revisional jurisdiction — Limited scope — Commission cannot interfere with concurrent findings of fact unless perverse, suffering from jurisdictional error, or material irregularity. India Law Library Docid # 2438709
(38) THE DIRECTOR, RELIANCE NIPPON LIFE INSURANCE CO. LTD. Vs. BAL KRISHNA SHARMA AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 22-01-2026 Consumer Protection Act, 1986 — Jurisdiction of National Commission — Revisional jurisdiction is limited — National Commission should only exercise power if State Commission acted without jurisdiction, failed to exercise jurisdiction, or acted illegally or with material irregularity — Cannot interfere with concurrent findings of India Law Library Docid # 2438710
(39) JATINDER SINGH Vs. NEW INDIA ASSURANCE CO. LTD.[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 20-01-2026 Consumer Protection Act, 1986 — Deficiency in Service — Insurance Claim — Repudiation — If accident occurs while vehicle is stationary and driver's actions are to mitigate further loss, the validity of the license and any alleged fake nature of the license become irrelevant to the claim under the policy. India Law Library Docid # 2438711
(40) M/S. WATCH WORLD Vs. M/S. NATIONAL INSURANCE COMPANY LIMITED[DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION] 19-01-2026 Consumer Protection Act, 1986 — Section 2(1)(g) — Deficiency in service — Failure to maintain stock register and provide list of stolen items — Insurance claim repudiated due to lack of evidence — Complainant failed to provide adequate documentation to substantiate the loss claimed due to theft — Survey report highlighted absence of stock register and non-provision of stolen item list — India Law Library Docid # 2438651