Real judgements, distilled

Legal Case Shots

Court judgements broken down into the case type, how the decision played out, and the lesson worth remembering, with the full judgement available as a PDF.

Frequently asked questions

Is this suitable for use in legal research and court filings?+

Legal Case Shots is built to help you quickly identify and understand relevant precedent. For citation in pleadings or filings, always verify against the full judgment PDF and current citation format (e.g., 2026 INSC ___).

How is a "lesson learnt" different from the judgment's holding?+

The holding is what the court legally decided. The lesson learnt translates that into a practical takeaway: what a lawyer should factor into case strategy or client advice as a result of this precedent.

Is the full judgment available, or just a summary?+

Both. Each case shows a distilled summary (case type, key holding, and lesson learnt) and links to the full judgment as a PDF for when you need the complete text for research or citation.

Can I filter judgments by date or case type?+

Yes. Use Advanced Filters to narrow results by decision date and by practice area, including Constitutional Law, Criminal Law, Service & Administrative Law, Family Law, Civil Property & Inheritance, and Labour & Industrial Law.

Can I search judgments by a specific judge?+

Yes. You can filter judgments by the judge or bench that decided the case, which is useful for tracking how a particular judge has reasoned on similar issues across multiple rulings.

What is Legal Case Shots?+

Legal Case Shots is a searchable database of Supreme Court of India judgments, each broken down into the case type, the court's key holding, and a practical lesson learnt, with the full judgment available as a PDF for citation or deeper reading.

Uncategorized (needs manual review)Supreme Court of India

Haris Marine Products vs. Export Credit Guarantee Corporation (ECGC) Limited

Civil AppealDecided 25 Apr 2022
Civil Appeal No. 4139 of 2020
Uday Umesh Lalit · S. Ravindra Bhat · Pamidighantam Sri Narasimha

Background

Haris Marine Products, a fish meat and fish oil exporter, took an export credit insurance policy from ECGC effective 14.12.2012, covering a shipment on the vessel "Tiger Mango." The Bill of Lading recorded an "onboard" loading date of 13.12.2012, one day before the policy's effective date, even though the vessel, carrying about 4,000 containers, only actually sailed on 15.12.2012 (as shown by the Mate's Receipt). When the overseas buyer defaulted on payment, ECGC rejected the claim, relying on Directorate General of Foreign Trade (DGFT) guidelines to treat the "onboard Bill of Lading" date as the date of "despatch/shipment," placing it just before the policy's coverage began; the National Consumer Disputes Redressal Commission (NCDRC) upheld this rejection.

Decision Breakdown

The Supreme Court held that the insurance policy's own definition of "despatch", handing over goods to the first carrier for onward carriage, was more naturally read as the date the vessel actually took possession and set sail (15.12.2012), especially since loading thousands of containers took time and could not be treated as instantaneous. It also found that even applying the DGFT Guidelines relied upon by ECGC, the "onboard Bill of Lading" date was only relevant where a Letter of Credit required it, which was not the case here, so even ECGC's own chosen definition did not support its rejection. Given ECGC's dominant, quasi-public position in export credit insurance and that the disputed timing gap was merely one day, the Court set aside the NCDRC's order, allowed the complaint, and directed ECGC to pay the claim of Rs. 2.45 crores with 9% annual interest.

Lesson Learnt

Ambiguous terms in a standard-form insurance policy must be interpreted sensibly and, where genuinely unclear, in favour of the insured rather than the insurer that drafted the policy: an insurer cannot import an external technical definition to defeat a claim on a hyper-technical, one-day timing gap when its own policy language and even that external definition, properly applied, support the claim.

Haris Marine Products vs. Export Credit Guarantee Corporation (ECGC) Limited – Legal Case Shots | LegalAware