Legal Updates 15 September 2026
Indian Consumer Court Bars Insurers from Using Undelivered Policy Exclusions
The Indian consumer court on August 24 ruled that insurers cannot rely on policy exclusion clauses when the policy has not been delivered, ordering the company to pay Rs 20,000 for mental anguish and Rs 7,000 for litigation costs, reinforcing consumer protection against unfair insurance practices.
The commission’s August 24 order rejected the insurer’s defence that a policy exclusion applied when the policy was never delivered.
- Insurers must not invoke undelivered‑policy exclusions.
- The court ordered payment of Rs 20,000 for mental agony and Rs 7,000 for litigation expenses.
- Decision emphasizes stronger consumer rights in insurance disputes.
Read the full judgment here.
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