Insurer can't transfer liability to another party

The National Commission said even if the landlord is the tortfeasor, the insurer should settle the claim and then take legal action to recover the amount from the latter

Aroma De France was engaged in the business of perfumes and related products. The firm had taken a godown on rent at Dabhasa Village where packaging materials and bottles were stored. These were insured for Rs 1.5 crore under a Standard Fire and Special Perils Policy issued by United India Insurance.
 

On February 2, 2014, the landlord of the godown arranged a reception for his son’s marriage on an adjacent vacant plot. He took the electric connection for lighting from an adjoining factory. After the party got over around 4 a.m., the workers noticed a fire emanating from the godown