Binod Kumar Singh vs National Insurance Company 2025 INSC 154 - Insurance Claim

Insurance Claim - NCDRC held that the insurance claim cannot be allowed in the absence of any valid permit - Allowing appeal, SC observed: the permit which is on record and the National Permit is certainly valid up to 13.10.2017. The authorization fee was required to be paid only when the truck was moving out of State of Bihar as it was registered in the State of Bihar and the truck caught fire on account of short-circuit on 08.06.2014 in the State of Bihar itself and, therefore, the respondent company could not have repudiated the claim on such a frivolous ground. The permit in question was issued by the competent authority in Bihar and, therefore, there was no requirement of paying authorization fee when the truck was being used in the State of Bihar and as per the terms and conditions of the National Permit, authorization fee was required to be paid only when the truck was moving out of State of Bihar- The appellant was certainly entitled for the insurance claim.