Claim can't be avoided by suppressing vital report

The National Commission castigated the insurer for suppressing the second report, which favoured the insured. It concluded this report made it evident the claim was genuine

Ahmednagar-based Nitin Industries was a proprietary concern of Nitin Bora, who ran a plastic reprocessing business. He had taken a Standard Fire & Special Perils Insurance Policy from National Insurance.

On July 30, 2004, Nitin heard a loud sound and came out to see what had happened. He noticed sparks emanating from the electric transformer installed in front of the factory. When he went inside, he saw the main switchboard burst with a bang, sparking a fire, which spread rapidly to the plastic kept in the factory. Nitin called the fire brigade, which took several hours to extinguish the fire.

The insurer