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‘Denied’ insurance claim over electric cycle’s RTO registration, woman wins Rs 25,500
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The Indian Express
The commission examined whether the insurer could lawfully repudiate a comprehensive insurance claim solely because the insured electric cycle was not registered with the RTO.
Although the insurer appointed a surveyor, it rejected the claim solely because the vehicle was not registered with the RTO.
Insurance claim rejectedAccording to the complaint, Kesri Devi purchased a Komki XGT-X4 slow-speed (Non-RTO Category) electric cycle from GOROX, Hamirpur, on February 28, 2024, for personal use.
Commission’s findingsThe commission observed that the dispute lay within a narrow compass, whether the insurance company was justified in rejecting the comprehensive insurance claim solely because the electric cycle had not been registered.
At the same time, it held that no deficiency in service was established against the dealer, which had actively assisted the complainant in pursuing the insurance claim.