Bengani Food Products Private Limited vs. National Insurance Co. Ltd 2025 INSC 902. - Interpretation Of Insurance Policy
Insurance Law - The insured cannot claim anything more than what is covered under the Insurance Policy, and that policy terms must be construed as they stand without adding or subtracting words- Quoted from Vikram Greentech India Limited vsNew India Assurance Company Limited (2009) 5 SCC 599 : An insurance contract, is a species of commercial transactions and must be construed like any other contract to its own terms and by itself. In a contract of insurance, there is requirement of uberrima fides i.e. good faith on the part of the insured. Except that, in other respects, there is no difference between a contract of insurance and any other contract. (Para 20-23)
Case Info
Case Name and Neutral Citation
- Case Name: M/S. Bengani Food Products Private Limited and Another v. National Insurance Co. Ltd. and Others
- Neutral Citation: 2025 INSC 902
- Coram:
- Hon’ble Mr. Justice B. R. Gavai (CJI)
- Hon’ble Mr. Justice Augustine George Masih
Judgment Date: July 24, 2025
Caselaws and Citations
- Bajaj Allianz General Insurance Company Limited and Another v. State of Madhya Pradesh (2020) 18 SCC 376
- Vikram Greentech India Limited and Another v. New India Assurance Company Limited (2009) 5 SCC 599
Statutes/Laws Referred
- Consumer Protection Act, 1986 (as the complaint was filed before the National Consumer Disputes Redressal Commission under this Act)
- Marine Insurance Policy (specifically, Clause 5 and Clause 8 of the Inland Transit (Rail/Road) Clause A)