Babaji Vitthal Tube had purchased a truck, which was financed by a loan from the State Bank of Patiala. The vehicle was insured with United India Insurance under a policy valid from February 14, 2009 till February 13, 2010, and for which a premium of Rs 17,299 had been paid.
On November 15, 2009, Abdul Rashid, who had been engaged to drive the vehicle, parked the truck and handed over the keys to Tube’s son, and also intimated the father who owned the vehicle. On November 17, 2009, Rashid found the truck missing. Upon making inquiries, Tube and Rashid concluded that
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