حضرت اویس قرنی رحمہ اللہ تعالیٰ-پڑھ کر دوستوں کے ساتھ ضرور شیئر کریں –

حضرت اویس قرنی رحمہ اللہ تعالیٰ-پڑھ کر دوستوں کے ساتھ ضرور شیئر کریں Visit Website for watch video,... – Fire Insurance Under Indian Insurance Law
A agreement of insurance comes into being whilst a person in search of coverage protection enters into a settlement with the insurer to indemnify him in opposition to loss of belongings by way of or incidental to fire and or lightening, explosion, and so on. this is broadly speaking a agreement and hence as is governed by way of the general regulation of contract. however, it has sure special functions as coverage transactions, which include utmost faith, insurable interest, indemnity, subrogation and contribution, and so on. those concepts are common in all insurance contracts and are ruled by means of unique principles of regulation.
حضرت اسیر بن جابر رحمہ اللہ فرماتے ہیں: ” جب بھی یمن کی طرف سے قبائل حضرت عمر رضی اللہ عنہ کے پاس آتے توحضرت عمر رضی اللہ عنہ ان سے پوچھتے: “کیا تم میں اویس بن عامر ہے؟” ایک دن اویس بن عامر خود بھی حاضر ہوئے ، تو عمر رضی اللہ عنہ نے ان سے پوچھا: “تم اویس بن عامر ہو؟” انہوں نے کہا: “جی ہاں میں ہی ہوں” پھر حضرت عمر رضی اللہ عنہ نے ان سے پوچھا: “قرن قبیلے کی شاخ مراد سے ہو ؟” انہوں نے کہا: ’’جی ہاں‘‘ پھر حضرت عمر رضی اللہ عنہ نے پوچھا : “تمہیں برص کی بیماری لاحق تھی، جو اب ختم ہوچکی ہے، صرف ایک درہم کے برابر جگہ باقی ہے؟” انہوں نے عرض کی : ” جی ہاں” پھر حضرت عمر رضی اللہ عنہ نے ان سے پوچھا: “تمہاری والدہ حیات ہیں؟” انہوں نے کہا: ” جی ہاں “ پھر حضرت عمر رضی اللہ عنہ نے انہیں حدیث نبوی ﷺ سنائی کہ: “میں نے رسول اللہ ﷺ کو فرماتے ہوئے سنا ہے: ’’ تمہارے پاس یمن کے حلیف قبائل کے ساتھ اویس بن عامر آئے گا، اس کا تعلق قرن قبیلے کی شاخ مراد سے ہوگا، اسے برص کی بیماری لاحق تھی، جو کہ ختم ہو چکی ہے، صرف ایک درہم کے برابر باقی ہے، وہ اپنی والدہ کیساتھ نہایت نیک سلوک کرتا ہے، اگر اللہ تعالی پر قسم بھی کھالے تو اللہ تعالی اس کی قسم پوری فرما دے گا، چنانچہ اگر تم اس سے اپنے لیے استغفار کروا سکو ،تو لازمی کروانا ‘‘ لہذا اب آپ میرے لیے مغفرت کی دعا کر یں، تو انہوں نے حضرت عمر رضی اللہ عنہ کیلئے مغفرت کی دعا فرمائی ۔ پھر حضرت عمر رضی اللہ عنہ نے ان سے دریافت کیا: “آپ کہاں جانا چاہتے ہیں؟ “ انہوں نے کہا: “میں کوفہ جانا چاہتا ہوں ” ۔ حضرت عمر رضی اللہ عنہ نے فرمایا: “میں کوفہ کے گورنر کے نام خط نہ لکھ دوں ؟ آپ اس کی مہمان نوازی میں رہو گے۔” تو انہوں نے کہا: “میں گم نام رہوں تو مجھے زیادہ اچھا لگے گا” راوی کہتے ہیں: جب آئندہ سال حج کے موقع پر انکے قبیلے کا سردار آیا اور اس کی ملاقات حضرت عمر رضی اللہ عنہ سے ہوئی ، تو حضرت عمر رضی اللہ عنہ نے ان سے اویس قرنی رحمہ اللہ تعالیٰ کے بارے میں معلوم کیا، تو اس نے جواب دیا کہ: “میں اسے خستہ حالی اور ناداری کی حالت میں چھوڑ کر آیا ہوں۔ “ تو حضرت عمر رضی اللہ عنہ نے اسے بھی حدیث نبوی ﷺ سنائی کہ : “میں نے رسول اللہ ﷺ کو سنا ہے کہ آپ نے فرمایا: ’’ تمہارے پاس یمن کے حلیف قبائل کے ساتھ اویس بن عامر آئے گا، اس کا تعلق قرن قبیلے کی شاخ مراد سے ہوگا، اسے برص کی بیماری لاحق تھی، جو کہ ختم ہو چکی ہے، صرف ایک درہم کے برابر باقی ہے، وہ اپنی والدہ کیساتھ نہایت نیک سلوک کرتا ہے، اگر اللہ تعالی پر قسم بھی اٹھالے تو اللہ تعالی اس کی قسم پوری فرما دے گا، چنانچہ اگر تم اس سے اپنے لیے استغفار کروا سکو ،تو لازمی کروانا ‘‘ یہ آدمی بھی واپس جب اویس قرنی رحمہ اللہ تعالیٰ کے پاس آیا تو ان سے کہا: “میرے لیے دعائے استغفار کر دو۔ “ اویس قرنی رحمہ اللہ تعالیٰ نے کہا: “تم ابھی نیک سفر سے آئے ہو تم میرے لیے استغفار کرو “ اس نے پھر کہا: “آپ میرے لئے استغفار کریں۔ “ اویس قرنی رحمہ اللہ تعالیٰ نے پھر وہی جواب دیاکہ : “تم ابھی نیک سفر سے آئے ہو تم میرے لیے استغفار کرو۔ “ پھر ارشاد فرمایا: “کہیں آپ کی ملاقات حضرت عمر رضی اللہ عنہ سے تو نہیں ہوئی؟” آدمی نے کہا: ہاں میری ملاقات حضرت عمر رضی اللہ عنہ سے ہوئی ہے۔
fireplace coverage: consistent with S. 2(6A), "hearth insurance commercial enterprise" way the commercial enterprise of effecting, otherwise than incidentally to some other class of insurance commercial enterprise, contracts of insurance against loss by using or incidental to hearth or different occurrence, usually protected the various risks insured against in fireplace insurance enterprise. in keeping with Halsbury, it's far a agreement of coverage through which the insurer consents for consideration to indemnify the confident as much as a certain extent and subject to sure phrases and situations in opposition to loss or damage by using hearth, which may manifest to the property of the confident in the course of a specific period. for that reason, fireplace coverage is a agreement wherein the individual, in search of coverage safety, enters right into a contract with the insurer to indemnify him against loss of belongings with the aid of or incidental to hearth or lightning, explosion and so forth. This coverage is designed to insure one's property and other items from loss occurring due to whole or partial damage through hearth. In its strict experience, a fire coverage agreement is one: 1. Whose principle item is insurance against loss or harm occasioned by fire. 2. The volume of insurer's liability being confined with the aid of the sum confident and no longer necessarily with the aid of the quantity of loss or harm sustained with the aid of the insured: and 3. The insurer having no interest inside the safety or destruction of the insured property other than the legal responsibility undertaken beneath the agreement. law GOVERNING fire insurance there may be no statutory enactment governing hearth coverage, as within the case of marine coverage that is regulated by using the Indian Marine coverage Act, 1963. the Indian coverage Act, 1938 especially treated regulation of insurance enterprise as such and no longer with any widespread or special concepts of the law pertaining to fireplace of other insurance contracts. So also the general insurance enterprise (Nationalization) Act, 1872. inside the absence of any legislative enactment at the challenge , the courts in India have in dealing with the subject of fireplace coverage have relied up to now on judicial decisions of Courts and opinions of English Jurists. In determining the fee of belongings broken or destroyed by using fire for the purpose of indemnity beneath a policy of fireplace insurance, it become the cost of the assets to the insured, which was to be measured. Prima facie that value turned into measured by reference of the marketplace price of the belongings before and after the loss. however such approach of assessment changed into not relevant in cases wherein the market value did not represent the real fee of the assets to the insured, as wherein the belongings changed into utilized by the insured as a domestic or, for sporting business. In such instances, the degree of indemnity was the cost of reinstatement. in the case of Lucas v. New Zealand insurance Co. Ltd.[1] wherein the insured assets turned into bought and held as an profits-producing investment, and consequently the court docket held that the proper degree of indemnity for damage to the property by way of fireplace become the price of reinstatement. INSURABLE interest someone who is so interested in a belongings as to have benefit from its life and prejudice by its destruction is said to have insurable hobby in that property. Such someone can insure the assets in opposition to fireplace. The interest inside the assets need to exist each on the inception in addition to on the time of loss. If it does not exist at the commencement of the settlement it can't be the difficulty-count of the coverage and if it does no longer exist at the time of the loss, he suffers no loss and wishes no indemnity. as a consequence, in which he sells the insured belongings and it is damaged via fire thereafter, he suffers no loss. dangers blanketed underneath hearth insurance policy The date of conclusion of a settlement of coverage is issuance of the coverage isn't the same as the attractiveness or assumption of chance. phase 64-VB only lays down broadly that the insurer can't count on danger previous to the date of receipt of top rate. Rule fifty eight of the coverage policies, 1939 speaks about strengthen charge of charges in view of sub segment (!) of segment sixty four VB which allows the insurer to expect the threat from the date onwards. If the proposer did not preference a particular date, it became viable for the proposer to negotiate with insurer approximately that term. precisely, consequently the Apex courtroom has stated that final popularity is that of the confident or the insurer relies upon truely at the way wherein negotiations for coverage have progressed. even though the following are risks which seem to have protected hearth insurance policy but aren't completely covered under the policy. some of contentious regions are as follows: hearth: Destruction or harm to the property insured by means of its own fermentation, herbal heating or spontaneous combustion or its undergoing any heating or drying process cannot be treated as damage because of fire. For e.g., paints or chemicals in a manufacturing facility present process warmness remedy and consequently broken via fireplace isn't covered. in addition, burning of property insured by using order of any Public Authority is excluded from the scope of cover. LIGHTNING : Lightning may additionally result in fireplace harm or other sorts of damage, which include a roof damaged by means of a falling chimney struck through lightning or cracks in a constructing due to a lightning strike. both fireplace and different types of damages resulting from lightning are blanketed with the aid of the coverage. plane harm: The loss or damage to property (by way of hearth or in any other case) at once resulting from plane and other aerial devices and/ or articles dropped there from is protected. but, destruction or damage due to stress waves as a result of plane touring at supersonic pace is excluded from the scope of the coverage. RIOTS, moves, MALICIOUS AND TERRORISM DAMAGES: The act of any man or woman taking element together with others in any disturbance of public peace (other than warfare, invasion, mutiny, civil commotion etc.) is construed to be a rebel, strike or a terrorist pastime. illegal motion would no longer be included below the policy. storm, CYCLONE, storm, TEMPEST, typhoon, twister, FLOOD and INUNDATION: storm, Cyclone, hurricane, Tempest, tornado and storm are all numerous types of violent natural disturbances which are observed with the aid of thunder or sturdy winds or heavy rainfall. Flood or Inundation occurs when the water rises to an extraordinary stage. Flood or inundation should not only be understood inside the commonplace experience of the terms, i.e., flood in river or lakes, but additionally accumulation of water because of choked drains could be deemed to be flood. impact damage: impact by way of any Rail/ road car or animal via direct touch with the insured assets is covered. however, such automobiles or animals must no longer belong to or owned by means of the insured or any occupier of the premises or their employees while acting within the direction of their employment. SUBSIDENCE AND LANDSLIDE INCULUDING ROCKSIDE: Destruction or damage because of Subsidence of a part of the site on which the property stands or Landslide/ Rockslide is protected. while Subsidence way sinking of land or building to a lower level, Landslide method sliding down of land normally on a hill. but, regular cracking, settlement or bedding down of latest systems; agreement or motion of made up ground; coastal or river erosion; defective design or workmanship or use of faulty substances; and demolition, construction, structural changes or restore of any assets or ground-works or excavations, are not blanketed. BURSTING AND/OR OVERFLOWING OF WATER TANKS, equipment AND PIPES: Loss or damage to property via water or in any other case attributable to bursting or unintended overflowing of water tanks, equipment and pipes is covered. MISSILE checking out OPERATIONS: Destruction or damage, because of effect or in any other case from trajectory/ projectiles in connection with missile checking out operations with the aid of the Insured or absolutely everyone else, is protected. LEAKAGE FROM automated SPRINKLER INSTALLATIONS: harm, caused by water by chance discharged or leaked out from automated sprinkler installations within the insured's premises, is blanketed. but, such destruction or damage due to maintenance or alterations to the buildings or premises; upkeep elimination or extension of the sprinkler installation; and defects in creation known to the insured, aren't protected. BUSH fireplace: This covers harm resulting from burning, whether unintended or otherwise, of bush and jungles and the clearing of lands by means of fireplace, but excludes destruction or damage, because of woodland fire. risks not protected via hearth insurance policy Claims not maintainable/ included below this coverage are as follows: o robbery in the course of or after the occurrence of any insured dangers o war or nuclear perils o electric breakdowns o Ordered burning by using a public authority o Subterranean hearth o Loss or damage to bullion, valuable stones, curios (cost greater than Rs.ten thousand), plans, drawings, cash, securities, cheque books, computer facts except if they may be categorically included. o Loss or damage to property moved to a one-of-a-kind area (besides machinery and system for cleansing, repairs or preservation for extra than 60 days). CHARACTERICTICS OF fire insurance settlement A fire insurance settlement has the following characteristics namely: (a) hearth insurance is a non-public contract A hearth insurance settlement does not ensure the protection of the insured assets. Its motive is to see that the insured does now not suffer loss by means of motive of his hobby in the insured property. subsequently, if his connection with the insured property ceases by using being transferred to another character, the settlement of insurance also involves an quit. It isn't always so connected with the problem remember of the coverage as to skip robotically to the brand new owner to whom the problem is transferred. The settlement of fireplace coverage is therefore a mere a non-public contract between the insured and the insurer for the fee of cash. it is able to be validly assigned to another only with the consent of the insurer. (b) it is whole and indivisible contract. in which the insurance is of a binding and its contents of stock and machinery, the agreement is expressly agreed to be divisible. therefore , where the insured is guilty of breach of obligation in the direction of the insurer in recognize of 1 difficulty subjects covered by the policy , the insurer can keep away from the contract as an entire and not most effective in appreciate of that precise subject mater , unless the right is restricted by way of the phrases of the policy. (c) reason of fire is immaterial In insuring in opposition to fire, the insured needs to guard him from any loss or detriment which he may additionally suffer upon the prevalence of a fire, but it can be caused. as long as the loss is because of hearth inside the which means of the policy, it's miles immaterial what the cause of hearth is, commonly. thus , whether it became due to the fact the fire become lighted improperly or became lighted well however negligently attended to thereafter or whether the fireplace became brought on because of the negligence of the insured or his servants or strangers is immaterial and the insurer is at risk of indemnify the insured. inside the absence of fraud, the proximate purpose of the loss most effective is to be seemed to. The purpose of the fireplace but becomes fabric to be investigated (1). wherein the hearth is occasioned no longer with the aid of the negligence of, however by the willful (2) in which the fire is due is to motive falling with the exception in the agreement. drawback OF TIME Indemnity coverage turned into an settlement by using the insurer to confer on the insured a contractual proper, which prima facie, got here into existence right away while the loss turned into suffered by the happening of an event insured towards, to be placed via the insurer into the same position in which the accused could have had the event not took place but in no better position. there was a number one liability, i.e. to indemnify, and a secondary legal responsibility i.e. to place the insured in his pre-loss function, either with the aid of paying him a specifying quantity or it might be in some other way. but the reality that the insurer had an alternative as to the manner wherein he would placed the insured into pre-loss position did now not mean that he became now not vulnerable to indemnify him in a single manner or some other, straight away the loss happened. The primary liability arises on the going on of the event insured in opposition to. So, the time ran from the date of the loss and no longer from the date on which the policy was prevented and any fit filed after that time restriction would be barred via limitation.[2]