Precise cause of a fire is immaterial, provided the claimant is not the instigator of the fire: SC

The Supreme Court (SC), dealing with the repudiation of fire insurance claim by the insurance company, has held that as long as the insured is not the person who caused the fire the insurance company cannot repudiate the insurance claim on the ground that the cause of fire is not certain. The SC, further, opined that insurance is governed by the doctrine of uberrimae fidei – there must be complete good faith on the part of the insured, which was established in the present case.