NATIONAL INSURANCE CO. LTD. vs SOBINA IAKAI . — C.A. No. 1393/2001

Case Summary: National Insurance Co. Ltd. v. Sobina Iakai Court Decision: The Supreme Court allowed National Insurance Company's appeal and set aside the High Court and Tribunal judgments, holding that the insurance company was not liable for compensation. Key Reasoning: A bus accident occurred on 20.7.1994 at 9:15 a.m., but the insurance policy was renewed only at 2:00 p.m. the same day. When specific time and date are mentioned in an insurance policy, coverage commences from that exact moment, not earlier. Since the accident occurred before the policy became effective, the insurer had no liability. The Court rejected the lower courts' reliance on missing witness testimony, emphasizing that the documented policy and renewal endorsement were conclusive proof of the effective date. This case analysis is maintained by casestatus.in based on publicly available court records.