Insurance Company Cannot Rely on Concealed Exclusion Clause to Defeat Consumer Claim: Jammu and Kashmir High Court

The Jammu and Kashmir and Ladakh High Court has delivered a significant judgment holding that an insurance company cannot rely upon a concealed or inadequately disclosed exclusion clause to defeat a consumer’s legitimate claim. The court emphasized that insurance contracts must comply with the principles of fairness and full disclosure, particularly when consumer rights are involved. The judgment was delivered on December 04, 2025, by a Division Bench comprising Justice…