Your Insurer is covered under Consumer Protection Act!

What is a SERVICE under consumer protection act:-

Section 2(1)(o) in the Consumer Protection Act, 1986, “SERVICE” means service of any description which is made available to potential users and includes, but not limited to, the provision of facilities in connection with banking, financing, insurance, transport, processing, supply of electrical or other energy, board or lodging or both, housing construction, entertainment, amusement or the purveying of news or other information, but does not include the rendering of any service free of charge or under a contract of personal service; "spurious goods and services" mean such goods and services which are claimed to be genuine but they are actually not so.

 

As insurance is covered under the definition of service so a consumer that is the insured can file a case under consumer protection act against the insurer for Deficiency of Service.

 

What is Deficiency Of Service:-

Section 2(1)(g) in the Consumer Protection Act, 1986, “DEFICIENCY” means any fault, imperfection, shortcoming or inadequacy in the quality, nature and manner of performance which is required to be maintained by or under any law for the time being in force or has been undertaken to be performed by a person in pursuance of a contract or otherwise in relation to any service;