The appellant is not at all in fault. It can be considered as a breachof the policy, but not a fundamental breach to bring the insurance policy to an end and terminate theinsurance policy.
Insurance is Claimed!
The respondent insurance company should pay 75% of the insured amount along with 9% interest p.a. from the date of filing the claim. They are also directed to pay sum of Rs. 1, 00, 000 as compensation.