Business
No insurance policy to comply with Madras HC order on 5 yr bumper to bumper cover

Suspense continues on whether vehicle buyers will have to shell out a huge amount towards insurance premium upfront for five years from Wednesday onwards to comply with the Madras High Court order.
As things stand now, new car buyers in Tamil Nadu from Wednesday onwards, have to pay huge sums as premium for five years.
It is learnt the industry lobby body, General Insurance Council is exploring various options including legal ones to wriggle out of the situation.
But where is the policy is the question?
“The IRDAI (Insurance Regulatory and Development Authority of India) has to approve such a product first. There is no five-year bumper-to-bumper car vehicle insurance policy,” Saharsh Damani, CEO, Federation of Automobile Dealers Associations (FADA) told IANS.
Non-insurance industry officials told IANS, none of the insurers have a five year bumper-to-bumper insurance policy for cars and two wheelers.
Such a product has to be designed after doing actuarial calculations.
Industry officials starting from the sectoral regulator IRDAI and the insurers are keeping mum on the issue though claiming to serve the interests of the insuring public.
Recently, the Madras High Court by an order made the costly bumper-to-bumper insurance cover compulsory for all new private cars sold from September 1, 2021.
The court also ordered circulation of the judgement by the Additional Chief Secretary, Transport Department, Chennai, to all the insurers and the said officers must ensure that the above direction is followed scrupulously in letter and spirit without any deviation.
“Why should the insurers issue any instructions. They will be happy if the order is implemented as they will get lump sum premium income upfront,” an insurance intermediary not wanting to be quoted told IANS.
The headless IRDAI has not issued any public notice/guidance in this regard.
The Tamil Nadu government is also silent on this aspect as the court had ordered the circulation of its order to Additional Secretary, Transport Department.
“We have not got any circular from the head office in this regard,” an official of a public sector general insurer told IANS preferring anonymity.
The court posted the matter for September 30 for reporting compliance.
“The insurers will be silent as the court had not ordered them. It is for the IRDAI to issue necessary instructions making personal accident insurance cover for occupants of a private car and the pillion riders of two wheelers compulsory. Now it is optional,” Americai V. Narayanan, Chairman, ICM Insurance Brokers Pvt Ltd told IANS.
Narayanan said the bumper-to-bumper insurance cover will cost more than the comprehensive insurance cover as the claims under the former will be settled on replacement cost basis while under the latter depreciation will be applied on the component cost.
Vehicle insurance policies are two parts — own damage (insurance for the vehicle against damage, theft) and third party liability (liability for third parties).
The third party insurance cover is mandatory whereas the insurance cover for vehicle damage is not mandatory.
The Madras High Court order is for making insurance cover for vehicles mandatory.
“It is a patently untenable order (court’s order) and would not stand legal scrutiny if the vehicle makers or any other aggrieved party goes on appeal,” D. Varadarajan, a Supreme Court advocate specialising in company/competition/insurance laws, told IANS.
Commenting on the lack of awareness on the part of car owners about the liability for occupants of the car the court while hearing a case ordered: “Therefore, this court directs that whenever a new vehicle is sold after 01.09.2021, it is mandatory for coverage of bumper-to-bumper insurance every year, in addition to covering the driver, passengers and owner of the vehicle, for a period of five years.”
“Thereafter, the owner of the vehicle must be cautious in safeguarding the interest of driver, passengers, third parties and himself/herself, so as to avoid unnecessary liability being foisted on the owner of the vehicle, as beyond five years, as on date there is no provision to extend the bumper-to-bumper policy, due to its non-availability,” the court ordered.
National
Centre issues Census notification: J&K, Ladakh, Himachal, U’Khand in 2026, rest in 2027

New Delhi, June 16: The Union Home Ministry on Monday issued the official notification for conducting the population census in the country.
The Census, which will also include humongous data collection, including the caste details, will be conducted in two phases.
The first phase will cover the union territories of Jammu and Kashmir and Ladakh, and two hilly states — Himachal Pradesh and Uttarakhand — beginning on October 1, 2016.
The second phase will kick off on March 1, 2027.
The Home Ministry notification issued under Section 3 of the Census Act, 1948 (37 of 1948), said, “A census of the population shall be undertaken during the year 2027. The reference date for the said census shall be 00.00 hours of March 1, 2027, except for the Union territory of Ladakh and snow-bound non-synchronous areas of the Union territory of Jammu and Kashmir and the States of Himachal Pradesh and Uttarakhand.”
“In respect of the Union territory of Ladakh and snow-bound non-synchronous areas of the Union territory of Jammu and Kashmir and the States of Himachal Pradesh and Uttarakhand, the reference date shall be 00:00 hours of October 1, 2026,” it added.
Notably, this is the first time that caste enumeration will be made part of the mammoth Census exercise. The Centre, in a recent cabinet meeting, had given clearance for caste enumeration in the Census, reasoning that it would enable the Central government to frame policies with better precision and also make it target-oriented.
The green light for caste-based Census also stirred political fight as the Congress claimed that the Modi government was forced to include its idea of social justice and social empowerment. The BJP mocked the Opposition, claiming that the latter only claimed to be champions for the Backward Classes, but it was the NDA government, which was effecting a decisive change at the ground level.
International
Iran-Israel conflict: JKSA urges PM Modi for urgent evacuation of stranded Kashmiri students

New Delhi, June 16: As tensions intensify between Iran and Israel, the Indian Government has initiated the relocation of Indian students, including those from Jammu and Kashmir (J&K), from high-risk zones in Iran.
Meanwhile, the Jammu and Kashmir Students’ Association (JKSA) has made an urgent appeal to Prime Minister Narendra Modi, seeking immediate intervention for the evacuation of hundreds of Kashmiri students stranded in Iran.
In a letter addressed to Prime Minister Modi on Monday, the JKSA expressed “grave concern” over the deteriorating security situation in Iran following Israeli airstrikes on Iranian nuclear sites and other key defence and energy infrastructure and retaliatory missile attacks by Iran.
The escalation has left Indian students — including those from Kashmir — vulnerable, scared, and exposed to life-threatening dangers.
“These students had gone to Iran to pursue professional education, especially MBBS, owing to its affordable infrastructure,” the letter read. “Now, they are caught in an active military zone, traumatised and desperate for safety.”
According to the JKSA, a recent drone attack near the Hujjatdost Dormitory of Tehran University of Medical Sciences left two Kashmiri students injured. Both are reportedly in a stable condition and have been shifted to Ramsar, a safer location, by university officials.
Students have described harrowing scenes of airstrike sirens, tremors, and intensified military activity near campuses and hostels.
The JKSA said students enrolled in various Iranian universities —especially in Tehran, Qom, and other high-alert regions — are “hearing continuous sounds of strikes and air defence systems.” Many are facing psychological distress, while their families in India remain anxious and fearful.
It is pertinent to note here that Tehran on Monday responded positively to India’s request for assistance in evacuating Indian citizens, particularly students stranded in Iranian cities.
While Iran’s airspace remains closed due to ongoing military action, the Iranian government has assured that all land borders are open and available for safe passage.
According to media reports, the Foreign Minister of Iran gave the green light to India’s diplomatic mission and extended help for the safe evacuation of diplomats and civilians.
“Given the current condition and the closure of the country’s airports, as well as the request of many political missions to transfer their diplomats and nationals abroad, we inform that all land borders are open for crossing,” it said.
Similarly, the Indian Embassy in Iran on Saturday said on X, “In view of the current situation in Iran, all Indian nationals and persons of Indian origin in Iran are requested to remain vigilant, avoid all unnecessary movements, follow the Embassy’s Social Media accounts and observe safety protocols as advised by local authorities.”
The Indian Embassy has been putting up the advisory for all Indian nationals and Persons of Indian Origin currently in Iran and has been sharing the emergency contact numbers, for the safety of Indians residing in Iran.
disaster
Ahmedabad plane crash: Probe intensifies after 2nd black box recovered

Ahmedabad, June 16: After the second black box, which is a critical component in determining the cause of the crash, was recovered, the investigators have intensified the probe in the Air India crash case.
The Cockpit Voice Recorder (CVR), commonly referred to as the second black box, was retrieved from the cockpit section of the wreckage.
This comes days after the Flight Data Recorder (FDR) was recovered from the tail end of the aircraft. The Cockpit Voice Recorder (CVR) captures all audio inside the cockpit, including conversations between pilots, radio transmissions, alarm sounds, and any background noise in the final moments before a crash.
It is a crucial tool for investigators, as it helps reconstruct the crew’s decision-making, identify possible human errors or mechanical warnings, and determine the sequence of events that led to an aviation incident.
Officials from the Aircraft Accident Investigation Bureau (AAIB) confirmed the findings, noting that both devices are in the process of being analysed. The CVR is expected to provide crucial insights into the final moments of the flight, including pilot communication and cockpit sounds, which may help investigators piece together the chain of events leading up to the tragedy.
The recovery was also acknowledged by P.K. Mishra, Principal Secretary to Prime Minister Narendra Modi, who visited the crash site on Sunday. During his visit, he reviewed ongoing investigation efforts and later went to the Civil Hospital, where injured passengers and local residents are being treated.
The death toll from the catastrophic Air India crash in Meghaninagar has risen to 270, officials have said. Among the deceased are 241 passengers who were on board the ill-fated flight, as well as several others who were present in nearby hostels, mess halls, and the surrounding residential area when the aircraft went down.
Meanwhile, the Gujarat government has declared a one-day state mourning on Monday in the state as a mark of respect to former Chief Minister Vijay Rupani, who lost his life in the Air India plane crash in Ahmedabad on June 12. All official functions and celebrations will remain suspended during the mourning period, and the national flag will be flown at half-mast across government buildings.
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