M/S.Suraj Mal Ram Niwas Oil Mills (P)Ltd vs United India Insurance Co. Ltd. & Anr

The Supreme Court upheld the National Consumer Disputes Redressal Commission's decision to repudiate the insurance claim under the open transit insurance policy, emphasizing the importance of the special condition requiring immediate declaration of each consignment before dispatch as per the policy terms. The Court noted that the appellant failed to notify the insurance company about the accident until two days later, which constituted a breach of the policy conditions. Consequently, the appeal was dismissed, affirming the repudiation of the claim by the insurance company.