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Giving Lift To Strangers Who Later Stole The Vehicle Cannot Be Fundamental Breach Of Insurance Policy

In MANJEET SINGH vs NATIONAL INSURANCE COMPANY LTD. & ANR., the Supreme Court,  ruled that giving lift to strangers who later stole the vehicle is not a breach that would nullify the insurance policy.

The Court was hearing an Appeal filed by one Mr. Manjeet Singh, who was the owner of a truck that had been stolen. At the time of the incident, the truck was being driven by someone else, who gave a lift to a few people. These hitchhikers later beat up the driver and fled away with the vehicle.

The insurance company had then denied Mr. Singh’s claim, asserting that by giving a lift to the passengers, he had violated the terms of the policy and that hence, it was not liable to pay. Mr. Singh had then approached the District Consumer Disputes Redressal Forum, but to no avail. His appeals before the State Consumer Disputes Redressal Commission and the National Consumer Disputes Redressal Commission were also rejected. 

The Supreme Court, however, opined that carrying passengers cannot be held to be a fundamental breach of the policy.

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