Page 25 - The Insurance Times August 2025

getting injured, lakhs die in road accidents, billions of rupees plored way. An exciting way. We have discovered an inno-
worth properties are destroyed in these accidents; and vative method of practicing safety where people voluntar-
above all - the anguish of suffering families, the despera- ily commit themselves to practice positive safety. The beauty
tion and the loss of time. of this patent is that this patent does not teach, preach or
give a message on the practice of safety.
An individual, a family or a community may lose a lot due to
an accident. But do not forget that it is India that is ulti- What is positive safety? Readers are requested to recall the
mately losing. It is our country that has lost due to these definition of Utmost Good Faith . Was it not defined as "a
unfortunate accidents. positive duty, to voluntarily disclose all material facts, accu-
rately and fully, whether asked or not" It is exactly from this
Do we have any solution in Suraksha Bharat? We follow the definition did we borrow the phrase of "positive safety". A
law in letter but violate in spirit. For instance, we are re- positive duty to positive safety. Thus, positive safety means
quired to wear a helmet. A bike rider wears helmet but being more than safe, voluntarily. It means, the onus of being
without fastening it, loosely placing it over the head. A pil- safe is slowly being shifted from the CCTV cameras, speed
lion rider never cares to wear helmet at all. A car driver on radars and the sneaking policeman to the citizen himself.
spotting a policeman, quickly pulls across the seatbelt. And
in the absence of the policeman, the same driver would jump This patent aims to make people voluntarily and positively
the red traffic signal. Who are we cheating? You could cheat commit themselves to practice safety. A small effort in aid-
me, cheat the world and perhaps even cheat the god, but ing the dream of a safe society. A footnote to a footnote
when you cheat yourself, your very existence is diminished. written here that pursues in its own small way the aim of
Suraksha Bharat a reality.
Suraksha Bharat is beyond teaching & preaching - it is prac-
ticing safety, it is a way of life. Accident happens only once. The insurance industry has a huge role to play. Insurance
We have not seen anybody dying twice or losing the same will cease to be a contract between the insured and the
limb twice! But we did see people having accidents and insurer. Non-life insurance contracts will go beyond the prin-
perishing in them. It's the time to practice, but who prac- ciple of indemnity. This industry, through this patent, will
tices? How do we tell people to practice? How should we have a human face. The famed catch phrase of LIC of India
aid the commendable efforts of the Indian government on "Zindagi Ke Saath Bhi and Zindagi Ke Baad Bhi" would have
practice of safety? How can we make the dream of a Safe acquired a new dimension - the dimension of going beyond
India come true? the payment of a claim.

Topspot Insurance Brokers have thought of something new, "Are you in a Utopian state? Day dreaming? Or both?" You
yet as ancient as the hills; unique, yet as common as com- may reproach us. Let us assure you all, this is the very es-
mon could be; something beyond imagination, yet some- sence of this patent. The aim of this patent, indubitably, is
thing than can be conceived by an ordinary person. We have 'the greatest safety of the greatest number of people' . We
invented a new, unique, pragmatic and patented way of are not asking you to believe us. All we say is to kindly read
asking people to practice safety. A new and hitherto unex- these article series; your belief will be a by-product!

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