1. Insurance policy - Claim - As per the consistent view of the Hon'ble Supreme Court with regard to the terms of contract of an insurance policy, the following rules can be followed:-  (i) the insurer is not at a week bargaining position while entering into the terms of the insurance policy;  (ii) the exclusion is misleading and creating unnecessary confusion for repudiating the claim of the applicant; (iii) whether after accepting reasonable clauses of exclusion, the applicant can be paid or reimbursed the claim;  (iv) whether the exclusion clause was entered into by the applicant in good faith ad is not misleading. (178) P.L.R. 
  2. Insurance policy - Object of the insurance policy is to secure a patient when he is admitted in hospital in an emergent condition - The exclusion clause has to be read to the benefit of the patient in genuine circumstances. (178) P.L.R. 
  3. Insurance Policy - Was issued for private vehicles - Theft of - During investigation was admitted it was being used as a taxi - Insurance Company was liable to give the claim on non-standard basis.  (176) P.L.R.