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Cooling Period Clause Cannot Defeat Cattle Insurance Claim

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The claim of the complainant for the death of cattle was filed as “no claim” on the ground that it was filed within the cooling period of two days as per the policy clause.

HELD that the cooling period generally pertains to the right of the insured to review and cancel the policy within the specified time period.   However, it cannot be arbitrarily invoked by the insurer to defeat a legitimate claim unless the same expressly mentioned in the policy.

Even otherwise, the Insurer has not shown that the alleged condition was properly explained and disclosed to the complainant at the time of purchase of the insurance policy.

Comments on the post of Live Law and the Order dated 4.5.2026 of the District Consumer Redressal Forum, Baramulla / Bandipora of Showkat Ahmed Dar  Vs. New India Assurance Co. Ltd & Another

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