Holding that an insurer cannot rely on policy exclusions that were never supplied to the insured, a Chhattisgarh District Consumer Commission directed the insurance company to pay Rs 1.75 lakh to a man whose luxury car was damaged by rainwater.A bench of president Dakeshwar Prasad Sharma and members Nirupma Pradhan and Anil Kumar Agnihotri also ordered the company to pay Rs 20,000 for mental agony and Rs 7,000 as litigation costs.“Since the opposite party had not provided the complainant with a copy of the policy’s terms, conditions, and exclusions along with the insurance policy, those terms and conditions were not binding on the complainant. Therefore, it held that the opposite party could not have rejected the complainant’s insurance claim by relying on the exclusion clauses of the policy. The rejection of the claim on that basis was therefore not justified and amounted to deficiency in service and unfair trade practice on the part of the opposite party,” the commission said on August 24.Also Read | Promised 18.5 km mileage per litre yet car gave only 8-10 km, buyer wins Rs 75,000Noting that the opposite party had also produced a copy of the terms and conditions, which was marked and consisted of six pages, the order said that these terms and conditions could not be treated as part of the insurance policy, since the insurance policy produced by the opposite party itself consisted of only four pages.Rainwater damaged car’s infotainment systemThe case was filed by a man, the owner of a car, against an insurance company before district consumer commission. The vehicle was insured under a private car insurance policy valid from November 29, 2020 to November 28, 2021.In August, 2021, rainwater entered the vehicle after its driver-side window glass was left slightly open, causing damage to the car’s infotainment system and other components. The insurer appointed a surveyor, who assessed the repair cost at Rs 1.98 lakh, while the complainant claimed that he had incurred Rs 2.73 lakh towards repairs.The man challenged the repudiation before the consumer commission, alleging deficiency in service and unfair trade practice. He argued that the insurer had not supplied him with the complete policy terms and conditions when the car policy was issued, and therefore could not later rely on exclusion clauses to reject his claim.Story continues below this adWindow open amounted to gross negligence: InsurerThe insurer rejected the claim, stating that damage caused by rainwater was not covered under the policy and that leaving the car window open amounted to gross negligence, violating policy conditions.It further maintained that rainwater damage was not covered under the policy and that leaving the window open amounted to gross negligence. On these grounds, it rejected the claim on February 4, 2022.Insurer failed to supply terms: OrderThe commission observed that the insurer had provided the complainant only a four-page policy, while the terms and conditions relied upon by the insurer were not supplied to him along with the policy.It held that since the complainant was not provided with the policy terms, conditions, and exclusions when the policy was issued, those conditions could not be treated as binding on him.Story continues below this adThe order stated that the insurance policy produced by the opposite party clearly consisted of four pages, with page numbers mentioned on each page.“However, the opposite party had produced only three pages of the insurance policy before the commission. From the document itself, it was clear that the opposite party had issued a four-page insurance policy to the complainant. The terms and conditions of the policy, however, had not been provided to the complainant along with the policy,” it said.