ORIENTAL INSURANCE CO LTD Vs. DHARAM CHAND

JUDGEMENT

(1.) This appeal arises from a motor accident claim.

(2.) In this case, the premium cheque for the insurance policy was received by the appellant, the insurance company, on May 7, 1998 at 4.00 pm and a cover note was issued at the same time. In columns 3 & 4 of the cover note, however, it was stated that the insurance would commence from May 8, 1998 and expire on May 7, 1999.

(3.) The motor accident in regard to which the claim case was filed took place at 8:30 pm on May 7, 1998.