Insurer rejects motor insurance claim citing invalid driving licence; policyholder fights back and wins Rs 3.5 lakh in consumer commission

A motor insurance claim was rejected by HDFC General Insurance over driver's license concerns. The West Bengal Consumer Commission found insufficient evidence of deliberate policy violation. The insurer was directed to pay Rs 3.5 lakh with interest and Rs 1 lakh compensation. The commission emphasized that a fake license does not automatically absolve insurers of liability. Policyholders must exercise reasonable care when hiring drivers for their vehicles.