NATIONAL INSURANCE CO. LTD. vs HARSOLIA MOTORS

The Supreme Court upheld the National Consumer Disputes Redressal Commission's decision that a person taking an insurance policy for risk coverage is considered a consumer under the Consumer Protection Act, 1986. The court emphasized that insurance policies are meant for indemnification of actual loss rather than for commercial profit. Consequently, the complaint filed by the insured was deemed maintainable and should be examined on its merits by the State Commission.