REPORTABLE 2024 INSC 431 IN THE SUPREME COURT OF INDIA CIVIL APPELLATE JURISDICTION CIVIL APPEAL NO. 1496 OF 2023 United India Insurance Co. Ltd. ...Appellant(s) Versus M/s Hyundai Engineering & Construction Co. Ltd. & Ors. …Respondent(s) J U D G M E N T PAMIDIGHANTAM SRI NARASIMHA, J. 1. The appellant, United India Insurance Co. Ltd., an insurance company, challenges the decision by the National Consumer Disputes Redressal Commission (hereinafter ‘the NCDRC’), which by its impugned order dated 16.01.2023 allowed the Consumer Complaint No.160 of 2019 and directed the appellant to release and pay an insurance claim of Rs. 39,09,92,828/-. 2. Facts: The National Highway Authority of India (‘NHAI’), respondent no. 3 herein, awarded a contract for the design, construction and maintenance of a cable-stayed bridge across the river Chambal on NH-76 at Kota, Rajasthan to a joint venture company comprising of respondent no. 1 and respondent no. 2. 1The value of the project under the contract was