●The appellant, Haris Marine Products, an exporter of fish products, secured an insurance policy from Export Credit Guarantee Corporation of India Limited (ECGC) to mitigate risks of foreign buyer non-payment; ... however, following a buyer's default on a shipment made a day prior to the policy's effective date, the claim was denied by ECGC and subsequently upheld by the National Consumer Disputes Redressal Commission (NCDRC), leading to an appeal to the Supreme Court.