SAURASHTRA CHEMICALS LTD.(PRESENTLY KNOWN AS SAURASHTRA CHEMICALS DIVISION OF NIRMA LTD.) vs NATIONAL INSURANCE CO. LTD.

The Supreme Court addressed the repudiation of an insurance claim under a fire and special perils policy, emphasizing that spontaneous combustion must result in fire for coverage under the policy. The Court held that the insurer's denial based on the interpretation of policy terms was valid, as the loss did not arise from a fire as stipulated in the endorsement. Consequently, the appeal was dismissed, affirming the insurer's position and the NCDRC's ruling on the matter.