News
Pre-Planned Murder by Gangsters Doesn’t Bar Double Accident Benefit Without an Exclusion Clause: Consumer Commission
The Punjab State Consumer Disputes Redressal Commission has held that an insurer cannot deny Double Accident Benefit merely because the policyholder’s murder was pre-planned, when it has placed no exclusion clause on record. ]
Explanation in simple terms
- What:
- A consumer commission ordered an insurance company to pay extra money for a death caused by gangsters.
- Who:
- The Life Insurance Corporation of India is the insurer, the legal heirs are the family members of the deceased, and the Punjab State Consumer Disputes Redressal Commission is the court.
- When:
- Reported on 23 Oct 2026.
- Where:
- Punjab.
- Why:
- The court ruled that the insurance policy did not clearly exclude coverage for deaths caused by pre-planned murders.
- What it means:
- The insurance company must provide the double accident benefit to the legal heirs of the deceased.
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