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.
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)
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.