Neoloba Specialty Private Limited vs the New India Assurance Company Limited — Bombay HC (2026) — LawSathi Research

Neoloba Specialty Private Limited vs the New India Assurance Company Limited — Bombay HC (2026) — LawSathi Research

What the court decided

AI extract

Outcome

Writ petition disposed of with directions to the Respondent (New India Assurance Company Limited) to consider the Petitioner's insurance claims in accordance with the terms of the policy and decide within seventy-five days; if the claims are not accepted, a reasoned order is to be communicated to the Petitioner at her e-mail address within twenty-four hours of arriving at the decision; Petitioner left free to pursue remedies permissible in law against any adverse order, with all contentions kept open.

Issue for consideration

Within what time-frame the Respondent Insurance Company should be required to consider and decide the Petitioner's insurance claim, the Company's Advocate having indicated twelve weeks on instructions.

Court's answer

The Court directed the Respondent to consider the Petitioner's claims in accordance with the terms of the policy and to arrive at a decision within a period of seventy five days.

Ratio / Principle

If the claims are not accepted, the Insurance Company is to pass a reasoned order and communicate the same to the Petitioner at her e-mail address within twenty-four hours of arriving at the decision.

Key takeaways

The Petitioner is at liberty to avail of such remedy as may be permissible in law for redressal of its grievance, if an adverse order is passed.obiter¶22
All contentions of the parties are kept open; the Court expressly recorded that it has not dealt with the merits of the rival claims.obiter¶29

Detailed headnote1 paragraphs

Bombay High Court, Ordinary Original Civil Jurisdiction (Ghuge & Mantri JJ., 06-02-2026), Writ Petition No. 4726 of 2025 — Neoloba Specialty Private Limited v. The New India Assurance Company Limited & Anr. After a hearing on 02-02-2026 at which the Insurance Company's Advocate was to take instructions on deciding the claim on its merits, the Company's Advocate stated on instructions (¶19) that the claim would be decided within twelve weeks; the Petitioner's Senior Advocate urged this was too long. The Court directed the Respondent to consider the Petitioner's claims in accordance with the terms of the policy and arrive at a decision within seventy five days; if the claims are not accepted, a reasoned order is to be communicated to the Petitioner at her e-mail address within twenty-four hours of arriving at the decision. The Petition was disposed of without dealing with the merits, all contentions kept open, and the Petitioner retains liberty to pursue such remedy as may be permissible in law against any adverse order.

918.OS.4726.2025.odt

IN THE HIGH COURT OF JUDICATURE AT BOMBAY ORDINARY ORIGINAL CIVIL JURISDICTION

Digitally signed by VINA VINA ARVIND ARVIND KHADPE KHADPE Date: 2026.02.09 15:26:48 +0530

WRIT PETITION NO. 4726 OF 2025

Neoloba Specialty Private Limited ….Petitioner

Versus

The New India Assurance Company Limited & Anr. ….Respondent

Mr. Zal Andhyarujina, Senior Advocate, Ms. Akansha Agarwal a/w Mr. Ankoosh Mehta, Advocate Sarah Navodita, Advocate Drishti Mehta i/b. Cyril Amarchand Mangaldas, for the Petitioner. Mr. Bomi Patel a/w. Mr. Sarthak Bahera and Ms. Sanjana Sapra i/b. Tuli & Co., for the Respondent.

CORAM : RAVINDRA V. GHUGE & ABHAY J. MANTRI, JJ. DATE : 06^th FEBRUARY, 2026

P.C. :-

This matter was heard on 2^nd February 2026, and we

have passed the following order :

1. The learned Advocate for the Insurance Company would take instructions as to whether the documents tendered by the Petitioner would be considered and the claim would be decided on its merits.

2. The Petitioner desires a verdict on the claim since a decision would atleast make the Petitioner aware as to what are the reasons, if the claim is to be rejected. Thereafter, it can avail of a statutory remedy as may be permissible in law.

3. Stand over to 6^th February, 2026 in the urgent supplementary board.

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Sufiyan Syed - PA

918.OS.4726.2025.odt

The learned Advocate representing the Insurance Company submits, on instructions, that considering the factors involved, the Insurance Company would decide the Petitioner’s insurance claim within a period of twelve weeks.

The learned Senior Advocate representing the Petitioner submits that twelve weeks would be too long a period. He prays that the decision should be delivered within a shorter time frame.

In view of the above, we direct the Respondent to consider the Petitioner’s claims in accordance with the terms of the policy and to arrive at a decision within a period of seventy five days from today. Needless to state, if the claims are accepted, the consequences shall follow. If, for any reason, the claims are not accepted, the Insurance Company would pass a reasoned order and communicate the same to the Petitioner at her e-mail address within twenty-four hours of arriving at the decision.

The Petitioner would be at liberty to avail of such remedy as may be permissible in law for seeking redressal of its grievance, if an adverse order is passed.

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Sufiyan Syed - PA

918.OS.4726.2025.odt

In view of the above statements recorded and the

directions issued, this Petition is disposed off .

Needless to state, all contentions of the parties are kept

open, as we have not dealt with the merits of the rival claims.

(ABHAY J. MANTRI, J.) (RAVINDRA V. GHUGE, J.)

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Sufiyan Syed - PA