I lillil ilrir lllll lifi rill llll 4021

Fourth Sernester 3 Year LL.B" Examination, October/November 2021

Opt.-l:INSURANCELAW

Duration : 3 Hours Max' Marks: B0

lnstructions : 1. Answer any five Questions from Group (a) each

question carries 10 marks'
2. Answer any five Questions from Group (b) each
question carries 06 marks.
3. Answers should be written either in English or
Kannada comPletelY.

Q. No. 1 {a) "Contract of lnsurance is a species of general contract."

Explain. Marks: 10
*drq "adrr ?"{odd udodd aoeb dd)rod." .)doP;-

Q. No. 1. (b) Write short notes on : Marks : 6

io**d F,s{S udos:o:
lnsurance market.
adia *ad>dq.

Q. No. 2. (a) Explain the appointment and the powers of Controller of

lnsurance under the lnsurance Act, 1938. [./larks : 10

Ddrd e&a 1938 dod adn ed>o$maQuaooJ: dea$ra,3 *d:

eqaadddd: D#o&.

Q. No. 2. (b) Establishment of lnsurance Advisory Committee in lnsurance

Regulatory and Development Authority. Marks : 6

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Eailo.
a

P.T.O.
4421 -2- I lillir tiril ililt ililil1il ilr

Q. No. 3. (a) Discuss the principle of "Contribution" and "Subrogation". Marks : 10

"dogrl" dJd) "-'gacrdd" d*ddq aizsrx,o.
Q. No. 3. (b) Edison had a life insurance policy which had lapsed due
to non-payment of premium. He applied for renewal and
there was a question in the renewal policy that whether he
had suflered any ailment or had undone any surgery from
the date of lapse to the date of renewal. He answered 'No'.
Renewal was granted. Later the lnsurance Co. came to
know that he had a mild cardiac arrest. lnsurance Co.
wants to avoid liability. Can it do so ? Decide. Marks : 6
aadaf aoz,::ddd: xed adn me),tro3:d1 dnood$. adD
doddl d:oude ed aadm mO*oJx denou:d:. an0:.rod>
daeddeaqn e:dd: edrod:d1 nOj,W. e: edrc$CI_ edd:
den$
a
adnod daeddeod edr aa*d odd z.ddd otnd;de
ea:adoer$ood ude)qe6 aou $door:d:. aadan ea$ '"ae.:_
aoeb erudoxrd. aaO&oil: daeddeoaaoud:. edd, adD
dodpri aaio"ri u ed6os:O_ ,+o €dolrryrd-nQ aocj:
e*d) t^:od:. DdjE dodpo*x qde uadmdd; deg dq
dcfuodobod 4rxdode.::
cJ q/ zuo$i:dd
-D
ercb 66)de Sdr.drd* q-
q
^J-
(,(c^I/ci -qqOJAI.
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Q. No. 4. (a) Explain the principle of "Causa-Proxima". Marks : 10

"dil:ed aJdra"d dddddl adoa.
Q. No. 4. (b) Kiran is an unsecured creditor. He has extended a loan of
Rs. one lakh to Karuna. As there is no guarantee for repayment.
Kiran has decided to purchase a policy on the life of Karuna
for Rs. three lakhs. Does he possess insurable interest ? Marks:6
erdd: d$ea0ri uod: e;d, domos:
Sdm ert/qido$ eieedecd.
:oe pedoa.t ;oe.rd d:d:a;ade arrgob%d ptut adrad:
d*ead d;eeJ dlro& e.:{ doaaou a*Pord aa0naJoodq
aloeCIier: e{obxbed. ed&ri adD b6dg "adofue ?

Q. No. 5. (ai Examine the features of General lnsurance Business

[Nationalisation] Act, 1972. Marks : 10
;;adnd, adD dr#mad [oa.geddea] ere&o3rdb, 1972 d
sdrod#d:
q"\ 4
dogeOi.
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Q. No. 5. (b) Krishnalal obtained Mediclaim Policy for him. Within one
month of the policy obtained he admitted to the hospital
company issued the certificate to Krishnalalthat he is entitled
to receive the benefits under the policy, but subsequently
repudiate to claim the amount on the ground that illness
occurred within a month from commencement of the policy.
Whether company estopped from raising obrjection ? Decide. Marks : 6
dderoer
9co
d,d"seoJ:
eJO
Dc: ddd: z"oC: Sorldodri aDogrdou:od
*rd$rf deooa;$. e*E dodpos:: sdnri a?CItua3:acro_
fJ*d, ddo$o ")*Dmd-rii srdlr$,e teDC eJCd dodd
e^ru\-/n ddd z.oc$ sorlSodri ssoereJdrod o$ri
l^ior^{..
O!rC^JCV\
^,4.,/ -a19.
deod.:Sdood S"d, ddoS:e.u adnrodorl &mdoxrd.
dod&oj:> arrte eo?doiDdddl na:roQdud>de ? Sednr0ru.

Q. No. 6. (a) Discuss the cornposition, powers and functions of claims

tribunals under Motor Vehicles Act. Marks : 10
doetrcd> aadd raoboJ:aoie)_ *Cr: &rd d;odgrld
deJC erQtad d.:* SiraoJ:rddd1 adxrx,.
Q. No. 6. (b) A policy restricted cover for the driving of the insured car
belonging to a company to a director of the company and
his wife only. When it was being driven by a mechanic in the
company, it suffered damage. Whether insurer is liable for
such damage ? Marks: 6
do$clooa'd* deod ad: dDcd aaddl do#ed: Oderddorl
d:d: erdd dgf d"9 Ladw m0toJ:: &z^lroQtud. dod&oSe)_
C>tar&r (o$o$nad) nod odq ume;d dnd:aarl ereil
aaoriodria$&. etodd 6!0rl adnddr$ do#riadannem$o$e ?

Q. No. 7. (a) Explain the salient features of Public Liability lnsurance

Act, 1991. Marks: 10
sadra&d dodnaoE &d: rco3:o 1991d dr:C, o{mddd1
^J^-
cJcJOru.

Q. No. 7. (b) Write short notes on : Marks: 6

iof,d r^3i$ r^:dou:o:
Doctrine of Reinstatement in fire insurance ccntract.
eq ac: doaodO_ d;do"sg*So$ xrcn*od.
4a21 -4- III[Hffiffi
Q. No.8. (a) Analyse the imporiance of reasons and purpose of
introduction of Agricultural lnsurance inlndia. Marks : 10
q>dddo_ dra a* q,dotpdu: radeadq;b a$d: udd w{edrid
agCu)rdddq a*e&e.
Q. No. 8. (b) Micro insurance. Marks:6
drad"e adr.

Q. No. 9. (a) "A Marine insurance contract is no contract without

insurable interest." Discuss. Marks : 10
"&dD &@dg qe-add dds a*oJ:: t-oc$ dod: r:rl:Cas."
zJzsrx,.

Q. No. 9. (b) A Cargo of hides and tobacco was insured. Sea water
was also shipped. During a storm and this rendered the
hides to become putrid and the fumes from them to impart
a nauseous flavour to the tobacco. ls it a loss due to Perits
of the Seas ? Decide. Marks : 6
ddnd0ob zdd:r d>d: dozmsd ddddl a"b dradeDob$.
idldd e*d$* id daaoieDourd>. zrd:riaecJ: iC)o$do_
d:t drddD$a#o$d1 eed amniu: d:Q e$d*od z;d:d
drarl dozmsii il"do8 doai:ddd: Ded:dd. dczn8ri dot$d
6E0clD&Ed. ecb idlgi rloreaoddaod erd aa& aod>
dorleddu*de ? sednr&xi.

Q. No.10. (a) What is "Deviation"? Under what circumstances it is

excusgd ? Marks: 10
-rr-r a ---rr o::rd
'dnrlr z":derdd aodded.:" -J--r rdodzJrdd0_
? *dq -r r-
dtud€Drbgd ?

Q. No. 10. (b) 'A' insurer took reinsurancepolicy on a ship. The insurer
claimed reinsurance amount as total loss was caused by
tsunami. The reinsurer refused to pay the said amount.
?
ls it justifiable Marks : 6
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drid:dooceed. ioaaar d:dodaod domr d-'$oood
eerg adnemd ddcn nd>eodood d;d:: drad:ed. -'"u;do
adnoadd: do$ aad8ds:0oado-r,:Ed. rd> orroS:c>:$de ?