Kokkilagadda Subba Rao vs Div.Mng.United India ...

The Supreme Court upheld the decision of the National Consumer Disputes Redressal Commission, affirming that the insurance company was justified in repudiating the claim of Subba Rao under the Insurance Act, 1938, specifically citing Section 64 UM(3). The Court found that the fishing vessel was used in the high seas, contrary to the policy conditions, which explicitly prohibited such use during certain periods. The Court concluded that there was no deficiency in service by the insurance company, and the claim was rightly rejected.