the oriental insurance co. ... vs kerala aviation training centre & ... on 31 january, 2006

8/8/2019 The Oriental Insurance Co. ... vs Kerala Aviation Training Centre & ... on 31 January, 2006

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The Oriental Insurance Co. ... vs Kerala Aviation Training Centre & ... on 31 January, 2006

ational Consu!er "is#utes $e%ressal


ational Consu!er "is#utes $e%ressal Co!!ission

e "elhi

'I$(T A))*A+ os. - to -6 O' 2002

'ro! the or%er %ate% 3.10.2002 in O) o. 3/ & - o 1 o the (tate Co!!ission,

Kerala


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The Oriental Insurance Co. +t%.

A##ellant

4ersus

Kerala Aviation Training Centre & Ors. $es#on%ents

'I$(T A))*A+ o. 60 O' 2002


Kerala

K.(.$a%ha5rishnan & Anr. A##ellants

4ersus

The Oriental Insurance Co. +t%. & Anr. $es#on%ents

'I$(T A))*A+ o. 61 O' 2002


Kerala

In%ian Kanoon / htt#77in%ian5anoon.org7%oc7161167 2


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(u%ha $a85u!ar & Ors. A##ellants

4ersus

The Oriental Insurance Co. +t%. $es#on%ent

'I$(T A))*A+ o. 3 O' 2002


Kerala

Kerala

Aviation Training Centre A##ellant

4ersus

The Oriental Insurance Co. +t%. $es#on%ent

3


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I.

9rie 'acts

Air Crat, Cesna 'A/1-2, a to seater, too5 o at 16.2- hrs. ith Ca#tain $a8 Ku!ar as )ilot an% :r. (atish

$a%ha5rishnan as Co/)ilot, or a %e!onstration light on 22.2.1; or the 'ly in 1; Convention

hich as organise% 8ointly


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iii O.). o. - o 1 hich as ile%


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"einitions

Inca#acity Any inca#acity causing the #er!anent total %isa


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- it as state% that $a8 Ku!ar 36 years an% Anil )ra5ash 32 years. +earne% Counsel reerre% to an%

e!#hasise% the e?clusion clause hich is as un%er

=eneral e?clusions a##lica


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6. The Airsho organiFers ha% no e?#erience in arranging such events in the #ast. o

ritten #roce%ures on o#eration o aircrat %uring the sho ere lai% %on an% circulate% to the

#artici#ants


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iv. Ca#t. $a8 Ku!ar ho as lying the aircrat as )ilot cannot

use% is !entione% as 'lying Training in Clou!n o. - the total value o the aircrat is !entione% as

$s.,0,0007/ an% in Colu!n o.1- the %etails o )ilots ho ill ly the aircrat is !entione% as $a8

Ku!ar an% Anil )ra5ash. Their lying e?#erience, licence nu!


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Ehether cover reBuire% Des +i!it o +ia


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3. =eogra#hical li!its ithin hich the Aircrat ill


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a. the re#u%iation o the clai! is solely on the general e?clusion clause o the #olicy, i.e. aircrat as

use% or acro


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iv. aircrat as !eant only or training #ur#ose, an%, there is no Buestion o covering any

#assengers un%er the #olicy

v. The cross/e?a!ination o the Assistant "evelo#!ent :anager e?a!ine%

>oever, 5noing ully ell, i the insurance #olicy is given or an aircrat hich as use% only or training

o )ilot, an%, thereater to conten% that the coverage is not there or )ilot or trainee #ilot oul%


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i *ven in cases here to reasona


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to reer to so!e Buestions an% ansers in the cross/e?a!ination.

Q. I #ut it to you that a #re!iu! o $s.2,3107/ or availing #ersonal acci%ent cre to #olicy hich is

covere% un%er *?t.)/2 as #ai%


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KATC is insuring then air crat ro! 1;H

A.

O course !ay ave you at any #oint o ti!e !a%e enBuiries regar%ing the seating ca#acityH

A.

o.

Q.

I #ut to you that in every #olicy as issue% ater having convince% a


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A.

o.

.

Q.

>o !any #olicies you ha% issue% against this #articular aircrat Cessena 1-2.

A.

Only one.

Q.

Dou ha% issue% no other #olicy #ertaining to this #articular aircrat.

A.

o.

Q.

>ave you issue% Aircrat (eat Insurance #olicy to this C*((A 1-2H

A.

There is no #olicy calle% aircrat seat insurance #olicy. The insure% KATC ha% #ro#ose% to cover an% that e

coul% issue #ersonal acci%ent aircrat cre #olicy. On su

Q.

>ave you neither issue% any aircrat seat insurance #olicy nor receive% any #re!iu!, a! I rightH

A.



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The insure% ha% %e#osite% so!e #re!iu! hen the #ro#osal cover or seat insurance #olicy as no such

#olicy e?iste% e ha% as5e% the! to su

covering the instructors. The #re!iu! ere to

Q. Dou ha% also issue% loss o licence #olicy to the #ilot $a85u!ar o C*((A 1-2.

A. A loss o licence #olicy or Ca#tain $a8 Ku!ar as issue% it as current at the ti!e o acci%ent.

Q. Ehat as the #re!iu! collecte% or that #olicyH

A. $s.6,07/

an% service ta? at $s.37/ #aya


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'ro! the aoresai% cross/e?a!ination it is clear that

i.

KATC ha% #ai% #re!iu! o $s.2,3107/ or availing #ersonal acci%ent cre #olicy ii.

*?.)/2 reveals that KATC as %e!an%ing the seat insurance #olicy

iii. It is a%!itte% that the aircrat as a to seat aircrat an% it cannot carry any #assengers

iv. There is no se#arate #roor!a o the insurance #olicy or to seaters an% !ulti/seaters

v. the itness ha% a%!itte% that the #re!iu! is collecte% on the su! insure% suggeste% The Insurance Co!#any ne?t conten%e% that in vie o the e?clusion clause hich #rovi%es that in

case o acci%ent %ue to !anoeuvring aeroe?ercises.

+earne% Counsel or the Insurance Co!#any urther conten%e% that the re#ort given

an% is reBuire% to


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!anoeuvre at lo level the #ilot aile% to recover %ue to hich the aircrat i!#acte% the groun%

resulting in atal in8uries to the #ilots.

$eBuire!ents o *?clusion Clause

'irstly, it is also a settle% la that it is or the Insurance Co!#any to esta


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5ne hat as in #ilots !in%, an% ater a e secon%s he sa the aircrat co!ing %on vertically, an% this

as hat he sa itnesse%, an% then the aircrat as %estroye%. Accor%ing to hi! ing over !anoeuvre

!eans the #ositioning o the aircrat. >e has state% that the #ositioning o the aircrat is not connecte%

ith !anoeuvre. >e has also state% that #ositioning o the aircrat coul%


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In the result, the a##eals ile% )$*(I"*T ..

$AJDA+AK(>:I $AO :*:9*$


the oriental insurance co. ... vs kerala aviation training centre & ... on 31 january, 2006

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