National Insurance Company Ltd. vs Maya Devi 2024 INSC 1050 - Insurance Law - Fraud

Fraud - Fraud vitiates everything, but merely alleging fraud does not amount to proving it. For, it has to be proven in accordance with law by adducing evidence etcetera, the onus of which would also lie on the person alleging fraud. (Para 13)

Insurance Policy - Effectiveness of the insurance policy would start from the time and date specifically incorporated in the policy and not from an earlier point of time. (Para 12) - Insurance companies with a view to avoid their liability must not only establish the available defence(s) raised in the said proceedings but must also establish “breach” on the part of the owner of the vehicle; the burden of proof wherefor would be on them. (Para 10)