UNITED INDIA INSURANCE COMPANY LTD. vs KANTIKA COLOUR LAB .

The Supreme Court upheld the decision of the National Consumer Disputes Redressal Commission, which found the appellant Insurance Company liable under Section 23 of the Consumer Protection Act, 1986 for damages to machinery during transit. The Court affirmed that the insurance policy covered all risks, including mishandling, and that the appellant's offer of Rs.5,76,730 was insufficient given the total loss claimed by the respondent. The Court ordered the appellant to pay Rs.53 lakhs with interest, reinforcing the principle that insurers must honor comprehensive coverage in transit insurance claims.