BHARAT WATCH COMPANY THROUGH ITS PARTNER vs NATIONAL INSURANCE CO. LTD. THROUGH ITS REGIONAL MANAGER

The Supreme Court upheld the National Consumer Disputes Redressal Commission's decision to repudiate the insurance claim for theft due to lack of forcible entry, referencing the principles established in United India Insurance Co. Ltd. vs. Harchand Rai Chandan Lal (2004) 8 SCC 644. The Court clarified that under the insurance policy, theft must involve actual forcible and violent entry, which was not demonstrated in this case. Consequently, the appeal was dismissed, affirming the NCDRC's ruling.