Case analysis of United India Insurance Company Limited v.
Antique Art Exports Private Limited1
Co-authored by: Ms. Harshita Gupta, 3rd year student of three
year LL.B. program of Jindal Global Law School
Factual Matrix
Antique Art Exports, the respondent/ claimant was running a
factory and purchased two Standard Fire and Special Perils
Insurance Policies. A few months later, two fire accidents happened
in the factory on September 25, 2013 and on October 25, 2013,
leading to the insurance claims. United India Insurance Company,
the appellant, recruited a third company as surveyors and an
investigator to submit their report. Subsequently, the appellant
company notified the respondent/claimant via email that their claim
for fire on October 25, 2013 for Rs. 2,81,44,413/- was approved.
Further, the mail mentioned that in order for this payment to be
released, the claimant was required to submit certain additional
documents. The respondent replied on the same date,
