In Brief
An exporter obtained a marine insurance policy covering goods shipped to Moscow. When the consignee took delivery, significant cartons were found missing. The exporter filed complaints before consumer commissions claiming compensation, even though the policy had been assigned to the consignee. The insurer argued the exporter had no locus to sue after assignment. The Supreme Court held that under Section 17 of the Marine Insurance Act, 1963, assignment of the policy does not automatically transfer the insured's contractual rights to pursue claims. The insured retains the right to file complaints for enforcement of the insurance contract. The Court dismissed the insurer's appeal and upheld the compensation awarded to the exporter.
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