Agriculture Insurance Company Of India Ltd. vs Gurpreet Singh And Others

Pankaj Purohit, J

This writ petition has been filed by petitioner challenging the impugned order dated 12.03.2026 passed by learned National Consumer Disputes Redressal Commission, New Delhi, in Revision PetitionNo.218 of 2026 Agriculture Insurance Company of India Ltd. Vs. Shri Gurpreet Singh and Others, (Annexure No.9 Page Nos.295 to 298) as well as the judgment and order dated 11.08.2025 passed by learned State Consumer Disputes Redressal Commission, Uttarakhand in First Appeal No.215 of 2022 Shri Gurpreet Singh Vs. Agriculture Insurance Company of India Ltd. And Others, (Annexure No.7 Page Nos.161 to 164).

The brief facts of the case are that respondent No.1 has taken insurance cover for harvest from petitioner-Insurance Company amounting to Rs.1,51,680/- and Rs.1,34,932/- through Bank of Baroda, for the land situated in Village Shimla Pistore, Bigwada Nyaya Panchayat, Tehsil Rudrapur, District Udham Singh Nagar. The harvest was destroyed due to heavy rain and storm. Respondent No.1 filed a complaint (CC-122/2018) before the learned District Consumer Forum, District Udham Singh Nagar.

Petitioner-Insurance Company has filed the reply to the complaint filed by respondent No.1 (Annexure No.5 to the writ petition) and the plea has been taken that damage to the harvest is not covered under the terms and conditions of the Insurance Policy. The District Consumer Forum has found favour with the plea taken by petitioner-Insurance Company and rejected the complaint of respondent No.1 vide its judgment and order dated 30.08.2022.

Respondent No.1-complainant feeling aggrieved challenged the said judgment and order dated 30.08.2022 before State Consumer Disputes Redressal Commission, Uttarakhand, by preferring an Appeal No.SC/5/A/212/2022 Gurpreet Singh Vs. Agriculture Insurance Company of India Limited and Others. The said Appeal was allowed vide judgment and order dated 11.08.2025 and State Consumer Disputes Redressal Commission, Uttarakhand, directed the Insurance Company to pay the insured amount of Rs.1,34,932/- along with interest @6% p.a. from the date of filing of consumer complaint i.e. 06.12.2018 till payment. Apart from that, Rs.10,000/- was also directed to pay towards litigation expenses.

Petitioner-Insurance Company feeling aggrieved by the said judgment and order dated 11.08.2025, challenged the same before National Consumer Disputes Redressal Commission, New Delhi, by filing a Revision Petition No.NC/RP/218/ 2026 Agriculture Insurance Company of India Ltd. Vs. Shri Gurpreet Singh and Others.

Petitioner has taken a new plea apart from other aspects in the matter in the said revision that respondent No.1 claimed the crop loss occurred in Village Kachi Khamaria, a location situated in completely different Insurance Unit (Darau Nyaya Panchayat) for which he was not contractually insured, further the crop of respondent No.1 in fact was situated within Village Kachi Khamariay (Darau Nyay Panchayat) but he was insured under Bigwada Nyay Panchayat, therefore, respondent No.1 is not entitled to get any amount under insurance cover and the plea and argument advanced by petitioner-insurance company do not find favour with the National Consumer Disputes Redressal Commission and consequently, revision petition filed by petitioner also met with the same fate and the judgment and order passed by appellate authority dated 11.08.2025 was affirmed. It is feeling aggrieved, petitioner is before this Court.

I have gone through the judgment and order passed by learned Appellate Court as well as by the learned Revisional Court. Both, Appellate Court as well as Revisional Court have dealt with the matter in accordance with law and examine the issue before it. This Court does not find any infirmity in the judgment and order passed by learned Appellate Court as well as by learned Revisional Court. Moreover, new plea cannot be taken by the petitioner-Insurance Company at the level of filing the revision. Thus, no interference is required.

Accordingly, the present writ petition is dismissed in-limine.

Pending application, if any, stands disposed of accordingly.