Court finding - Supreme Court SC Apr 12 2024 (2024 INSC 296) held 15 policies table without authenticated docs cannot prove suppression.
Context
Table without proposal/receipt/confirmation is statement, not proof. Insurance Act 1938 s45, Mithoolal AIR 814.
Implication
For insurers, fraud defence without docs fails; for you, ask for proposal copy, receipt, co-insurer confirmation.
Action
On repudiation, ask for three authenticated docs within 15 days citing Mahakali.