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Cause Of Fire Is Immaterial If Insured Didn't Instigate It : Supreme Court Explains Principles On Fire Insurance https://www.livelaw.in/supreme-court/cause-of-fire-is-immaterial-if-insured-didnt-instigate-it-supreme-court-explains-principles-on-fire-insurance…
πŸ”₯πŸ§―πŸ§‘β€πŸš’ β€œIt is settled law that the contract of fire insurance is a contract to indemnify the Insured against loss by fire.”,

Whether in a particular case, the loss is caused by fire?


β€œa) There must be an actual fire; hence mere heating or fermentation will not be sufficient to render the insurers liable for loss occasioned thereby.

b) There must be something on fire which ought not to have been on fire.

c) There must be something in the nature of an accident, but a fire occasioned by the wilful act of a third person without the consent of the Insured, is to be regarded as accidental for the purpose of this rule.


NATIONAL INSURANCE COMPANY
VS.
ORION CONMERX
PVT LTD
2025
β€œOnce it is established that the loss is due to fire and there is no allegation/finding of fraud or that the Insured is the instigator of the fire, the cause of fire is immaterial and it will have to be assumed and presumed that the fire is accidental and falls within the ambit and scope of fire policy.”

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