Court Decisions Insurance claim. Habib Bank cloth market branch being one of beneficiaries of insurance policy was a necessary party and in its absence suit filed alone by plaintiff/respondent was not maintainable.-P.L.J.1997 Qta.. 109 = 1997 CLC 1441 = NLR 1997 Civil 524. Habib Bank cloth market branch being one of beneficiaries of insurance pol...