M/S.SURAJ MAL RAM NIWAS OIL MILLS (P)LTD vs UNITED INDIA INSURANCE CO. LTD.

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 warranty that required immediate declaration of each consignment before dispatch. The Court found that the appellant failed to notify the insurance company about the accident until two days later, violating the policy conditions. Consequently, the Court affirmed the lower court's ruling, reinforcing the principle that adherence to policy conditions is crucial for claim validity under insurance contracts.