Marine Insurance Claim Denied? Here’s How Indian Courts View Wrongful Rejections
A marine insurance claim denial is not automatically valid merely because the insurer alleges a policy breach, non-disclosure, or violation of a condition. Courts examine the policy wording, evidence of loss, surveyor reports, warranties, material disclosures, and the specific reasons stated in the repudiation letter. Supreme Court decisions show that genuine warranty breaches or losses outside insured transit can justify rejection, while unsupported grounds, improper interpretation of policy clauses, or introducing new reasons after repudiation may make the denial vulnerable to challenge.
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