SC Cautioned Insurers against denying claims based on speculative or irrelevant technicalities.
On 25.9.2010, at 8.30 am, there was fire as a result of accident namely; short circuit.
The final Surveyor Report concluded that based on the physical examination, no accidental fire had occurred and that available evidence showed manifestation of multiple sources of fire.
Therefore, the insurance claim was repudiated.
Both the Preliminary and Final Surveyor Reports stated that there is no coverage available for “FFF” i.e. furniture, fixtures and fittings under any of the fire policies.
HELD that the policy provides for coverage of “FFF” can only mean furniture, fixtures and fittings and the insured is entitled to the amounts claimed under the heads of Building, Plan and Machinery, Showroom, Electric Fittings, Furniture and Fixtures.
Judgment dated 30.10.2025 of the Supreme Court of India in Civil Appeal No.3806 of 2020 of Orion Commerx Pvt Ltd Vs. National Insurance Co. Ltd with Civil Appeal No.3855 of 2020
