Insurer must settle claim on probability

All the surveyors had given the opinion that the claim ought to be paid on the basis of the probability the incident was genuine

Kesharben Kanjibhai Cham of Porbandar owned a ship named M SV Chamstar, which was insured with National Insurance, under a policy valid from February 12, 1996 to February 11, 1997. On April 10, 1996, while returning from Dubai to Mumbai, the vessel accidentally hit a rock and sank at Khasab in Oman. When the accident occurred, there was no cargo in the vessel. However, 19 crew members and the tindel were on board. To save themselves, they boarded a lifeboat. They were found by the Oman Navy and arrested. After being in custody for four days, their release was arranged,