LAW OF INSURANCE

COURSE OUT LINE

2019-20

By
Dr. N.Bhagyalakshmi,
Teaching Associate
DSNLU, Visakhapatnam,
Mobile: 9849528129.

DAMODARAM SANJIVAYYA NATIONAL LAW UNIVERSITY, VISAKHAPATNAM

DAMODARAM SANJIVAYYA NATIONAL LAW UNIVERSITY, VISAKHAPATNAM

 COURSE OUTLINE

FACULTY: Dr. N. Bhagya Lakshmi

SUBJECT: Law of Insurance

SEMESTER: VIII Semester

1. Objective of the course:

This course introduces the concept of risk and techniques of identifying, measuring and
managing it. In this context, insurance as a risk management tool will be discussed with
references to its role, functions and basic principles as applicable to different classes of
insurance. The course aims to provide the students with a broad understanding of risk and
insurance as a means to manage it. This forms the foundation to facilitate the students in their
further studies on insurance.

Further objectives of the course are to provide a basic understanding of the Insurance
Mechanism. Identify the relationship between Insurers and their Customers and the importance
of Insurance Contracts give an overview of major Life Insurance and General Insurance
Products.

2. Take Away of the Students:

On pursuing this course with many new cases relevant for students anxious to acquire practical
knowledge that they can quickly put to use when they enter the profession.

3. Pedagogy:
The classes for this course will be conducted in a case law method to evoke participation in
learning the various claiming procedure niceties of insurance claims.
 LAW OF INSURANCE
COURSE OUTLINE (2019-20)

Unit CASES FOR REFERENCE

# (List of Cases is not exhaustive. Faculty CONTENTS HOU
may discuss or indicate any additional RS
Cases)

1. Hanumanagouda v. United India  History of Insurance

Insurance Co. Ltd. and Ors.  Development of insurance
Etc(2014)9SCC341  Types of insurances
2. MalatiSardar v. National Insurance  Life and non-life insurances 15
Company Limited and Ors.  Essentials of Insurance
2016(1)SCALE133 Contract
3. ManjushriRaha v.B.L. GuptaAIR  Specific principles of
1977 SC 1158 Insurance Contract
4. New India Assurance Company Ltd  Uberrima fides
v M/S Zuari Industries Ltd. &Ors  Insurable Interest &
(2009) 9 SCC 70 Indemnity
5. LIC of India v Raja Vasireddy  Proximate cause or Causa
Unit 1 Komalavalli Kamba [(1984) 2 SCC Proxima
719]  Subrogation & contribution
6. Shreedevi Venugopal Nair v.  Double Insurance & Re-
Divisional Manager, LIC [(2001) insurance
104 comp cases 223 (Guj DB)]  Insurance Act, 1938
7. Amravati Dist. Central Co-Op
Bank Ltd. v. United India Fire &
genl. Insurance Co.ltd [2010] 5
SCC 294
8. Oriental Insurance Co. Ltd. v.
Gujarat State Ware Housing Corpn.
AIR 2003 Guj 159
9. Bajaj Allianz General Insurance v.
M/S Hamara Pump Jand Sahib on
14 May, 2013
10. United India Insurance Co. Ltd v.
M/S Harchand Rai Chandan Lal
(2004) 8 SCC 644
 1. Sirpur Paper Mills Ltd. v/s
National Insurance Co. Ltd.[II
(1997) CPJ 36(NC) 13
 Insurance ombudsman
2. K. Raghavayya& Others v.
National Insurance Company, Iii  Role and Functions of
(2009) CPJ 75 (SC) Authority
3. Smt. Sarabathidevi v. Smt. Usha,
 Insurance Regulatory
1984 SC 346
4. L I C of India v. Insure Policy Plus Authority Act, 1999
Services Pvt. Ltd. &Ors 2015 SCC  Property Insurance :
1384
Burglary &Theft
5. LIC of India &ors v. Smt. Asha
Goel& another A I R 2001 S C 549  Fidelity Guarantee
6. Insurance Corporation of India Insurance
Unit 2 v. VishwanathVerma and others  Body Parts Insurance
AIR 1995 SC 189
7. New India Assurance Co. Ltd.  Sports Insurance
v.Vivek (cold Storage [(1999)2 CPJ
26
8. Kajima Daewoo Joint Venture v.
New India Assurance Co. Ltd.
[(2005) 1 CPJ 534 Uttranchal State
Commission]
9. Cox v. Employers Liabilities
Assurance Corporation[(1865) LR
1 CP 232 ]
10. Virmani Refrigeration & Cold
Storage Pvt. Ltd. v. New India
Assurance Co. Ltd. [(2005) 1 CPJ
767 Delhi State Commission]
 1. Life Insurance Corporation of
Indiav. Smt. G.M. Channabasemma
AIR 1991 SC 392
2. National Insurance Company Ltd.
v. Seema Malhotra and Ors.
(2001)3 SCC 151
3. General Assurance Society Ltd. v.
Chandumull Jain and Anr.  Introduction & Definition
AIR1966 SC 1644  Conditions & privileges
4. Sulbha Prakash Matalgoalker v.  Risk & Premium
Life Insurance Corporation of  Nominee Vs Assignee
India(Civil Appeal No. 8245 of
 Difference between contract
2015)
Unit 3
5. Life Insurance Corporation of India of
v. JyotsanaRawal, 8th May, 2018  Indemnity and Life 10
6. Neelam Chopra v. Life Insurance Insurance Contract.
Corporation of India, 8th October,
 Life Insurance & Suicide
2018
7. Oriental Insurance Co. Ltd
v.Inderjit Kaur &Ors(1998) 1 SCC
71
8. Dinesh Singh v. Bajaj Allianz
General Insurance Co. Ltd.
(2014)9SCC241

9. United India Insurance Company

Ltd. v. Laxmamma &Ors.(2012) 5
SCC 234

10. United India Insurance Co Ltd

v. Inder Singh Chauhan – IV
(2006) CPJ 15 (NC)]
1. New India Assurance Co Ltd  Introduction & Definition
v.Hardip Singh & Others II (2003)
CPJ 103 (NC)]
 2. Nandini (Smt.) v. LIC of India  Insurable Interest
[(1998) 93 Comp. Cases 953  Disclosure and
(Kant.)],
Representations
3. Chanderi Devi and Ors. v. Jaspal  Classification of Marine
Singh and Ors. 2015(4) SCALE Insurance
390
 (cargo & freight insurances)
4. Shree Swastik Trading Co. v  Warranties in Marine
Oriental Insurance Co. Ltd., Insurance
[(2005) 1 CPJ 36 NC]
5. Fahim Ahmad and Ors. Vs United  Nature & Breach of
India Insurance Company Ltd. and warranty 17
OrsMANU/SC/1509/2015  Assignment of Policy
6. New India Assurance Company
 Commencement of risk and
Limited v AbhilashJewellery(2009)
CPJ III (SC) 2] Loss and Abandonment
7. Vimla Devi &Ors. v. National  Meaning & characteristics
Unit 4 Insurance Company Ltd. &Ors.
of Fire insurance
2018 SCC OnLine SC 2458
8. Amrit Paul Singh & Anr. v.  Significance & Scope
TATA AIG General Insurance &Or  Hazards in Fire Insurance
s.(2018) 7 SCC 558
 Perils insured
9. Shamanna&Anr. v. The Divisional
Manager, Oriental Insurance  Proximate Cause
Company Ltd.:2018 SCC OnLine
SC 849 (SC)
10. Praveenbhai S. Khambhayata Vs
United India Insurance
CompanyLtd. and Ors.
2015(2)SCALE481
 1. Graham v. Colonial Mutual Life  Nature & Absolute or No
Assurance Society Limited (No fault liability 7
2) (2014) 18 ANZ Insurance Cases
 Compulsory Insurance of
62-027
2. Holdings Limited v. Southern Vehicles
Response Earthquake Services  Claims Tribunal
Limited [2014] NZCA 483
 Policy holder as a consumer
3. Castellain v/s Preston [1883 2 Q B
38];
4. C.C.R. Fishing Ltd. v. British
Reserve Insurance Co., (1990) 1
SCR 814

Unit 5 5. Leyland Shipping Co Ltd v.

Norwich Union Fire Insurance
Society Ltd. [1918] AC 350, HL

6. Redding v Manly Life Saving Club

Inc& Anor [2018] NSW DC 278
7. Globe Church Incorporated v
Allianz Australia Insurance
Ltd [2019] NSWCA 27
8. Titanic Disaster Case (Lloyds
Insurance) 1912

9. Life Insurance Company v. Terry

82 U.S. (15 Wall.) 580

10. The Macaura v. Northern

Assurance Co., (1. (1925) AC 619)

Essential Reading:
1. E.R Hardy Ivamy, General principles of Insurance Law, Butterworth’s Law
2. Prof. Jhon Birds, MacGillivary on Insurance Law,Sweet & Maxwell

Suggested Reading:

1. John Lowry, Philip Rawlings and Robert Merkin, Insurance Law Doctrines and Principles
2. Leo Martiner, Douglas R. Richmond ‘Cases and Materials on Insurance Law’

Advanced Reading:

1. Lesley A. Walcott, Commonwealth Carribean Insurance Law

2. Pre-Contractual duties in Insurance Law: A Global Perspective edited by Yong Qiang