(61) 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
(62) 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
(63) 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
(64) 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
(65) 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
(66) 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
(67) 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
(68) 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
(69) 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
(70) 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
(71) 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
(72) 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
(73) M/S NEW BANSAL GENERATION Vs. NEW INDIA ASSURANCE CO. LTD. AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 16-01-2026 Consumer Protection Act, 1986 — Section 21 — Jurisdiction — Commercial entity — Insurance policy for commercial purposes — Whether a firm engaged in manufacturing transformers is a "consumer" for seeking redressal under the Consumer Protection Act for a fire insurance claim. India Law Library Docid # 2438712
(74) M/S PAREENA INFRASTRUCTURES PVT. LTD AND OTHER Vs. MR. YOGENDRA KHARE[DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION] 15-01-2026 Consumer Protection Act, 1986 — Section 11 — Jurisdiction of District Forum — Pecuniary Jurisdiction — Calculation of claim amount — Total claim including compensation and litigation expenses determines pecuniary jurisdiction — Value of the entire property is not considered if no allotment was made and the transaction was for booking amount only. India Law Library Docid # 2438647
(75) M/S STAR HEALTH & ALLIED INS. CO. LTD. Vs. MR. CHANDER BHAN AND OTHERS[DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION] 13-01-2026 Consumer Protection Act, 1986 — Section 15 — Appeal — Limitation period — Condonation of delay — Appeal filed beyond the statutory period of 30 days from the date of order — Appellant failed to provide sufficient cause for the delay — Reasons provided for delay, such as obtaining certified copy, consulting head office, and engaging counsel, were not considered satisfactory or diligent. India Law Library Docid # 2438649
(76) M/S. VIJALAXMI AGRO PRODUCTS Vs. MANAGER, UNITED INDIA INSURANCE COMPANY LIMITED[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 12-01-2026 Consumer Protection Act, 1986, Sections 2(1)(g) and 21(a)(i) — Deficiency in service — Non-processing of insurance claim — Breach of policy conditions — Complainant alleging damage to paddy stock due to heavy rain and storm — Insurance company denying receipt of timely intimation and documents — National Commission finding lack of promptness from complainant, failure to prove intimation, and delay in raising the issue — Held, Insurance company justified in India Law Library Docid # 2438713
(77) VINAY KUMAR MISHRA Vs. MARUTI SUZUKI INDIA LIMITED AND ANOTHER[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 12-01-2026 Consumer Protection Act, 1986 — Section 14 — Reliefs available — Replacement of goods, refund of price, compensation for loss or injury — Any good suffering from a 'defect' can be ordered for replacement or refund, not necessarily a 'manufacturing defect' — Nature of relief depends on facts and circumstances — Overriding effect over warranty terms. India Law Library Docid # 2438714
(78) SHRI S.P. VERMA Vs. SHRI PRALEEN CHOPRA[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 09-01-2026 Consumer Protection Act, 1986 — Sections 2(1)(d) and 17 — Complainant as consumer — Joint venture versus service recipient — Transaction was a redevelopment where developer provided services of brand new construction in exchange for rights in property, making complainant a consumer, not a partner in joint venture. India Law Library Docid # 2438715
(79) BRANCH MANAGER JILA SAHAKARI KENDRIYA BANK AND OTHERS Vs. RAMU PAL AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 09-01-2026 Pradhan Mantri Fasal Bima Yojana (PMFBY) — Operational Guidelines — Liability for misreporting — In cases of compulsory farmers' coverage under PMFBY, if there is substantial misreporting by the nodal bank or its branch, the concerned bank alone is liable for such misreporting and its consequences. India Law Library Docid # 2438716
(80) NATIONAL INSURANCE COMPANY LIMITED Vs. KANTI LAL[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 09-01-2026 Consumer Protection Act, 1986 — Section 13(4) — Evidence — Admissibility of reports from criminal proceedings — FSL reports, medical certificates, and police investigation reports not per se admissible in consumer proceedings unless duly proved by affidavits of authors. India Law Library Docid # 2438717