Whether the loss of goods sustained by the insured, fall within the meaning of burglary as stated in insurance policy

Last updated: 04 June 2022

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This case examines whether the loss of goods from a factory constituted 'burglary' under an insurance policy. The insurance company argued it was merely theft, not covered. However, the National Consumer Disputes Redressal Commission found that entry gained by removing a roof sheet involved force, thus fitting the definition of burglary. The company was ordered to pay the value of the stolen goods with interest.

Court :
Apex Court

Brief :
The Apex Court earlier in the case of United India Insurance Co. Ltd. v. Harichand Rai Chandan Lal held that that 'theft from the premises by forceful and violently' would mean entry by use of any force, however slight it may be.

Citation :
Mono Industries vs New India Assurance Co. Ltd.

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Judgement posted by

FCS Deepak Pratap Singh

Associate Vice President - Secretarial & Compliance (SBI General Insurance Co. Ltd.)

Dear Friends, MyselfFCSDeepak P. Singh ( B.Sc.. LLB, FCS. FIII, CIAFP, CRMP, ID) , A Fellow Member of ICSI, Law Graduate ,Fellow Member of Insurance Institute of India, Certified Independent Director ,Certified Insurance Anti Fraud Professional , Certified Risk Governance Professional ( ICSI-III) and cleared Limited I ... Read more

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