ORDER :

S. RAVINDRA BHAT, J.

1. Counsel for parties were heard, with their consent, for final disposal of the appeal. The appellant (hereby “insurer”) questions the judgment and order of the National Consumer Disputes Redressal Commission, New Delhi,¹[Dated 11/12/2020 in Revision Petition No. 1984/ 2015] ("hereafter the NCDRC"). In the impugned order, the NCDRC dismissed the appellant’s revision petition, that challenged the order,²[dated 20/03/2015, in FA No. 244/2013] of the Rajasthan State Consumer Disputes Redressal Commission, Circuit Bench at Bikaner (hereafter “the State Commission”).

2. The respondent-complainant obtained an insurance policy,³[bearing policy no. 200104/31/11/0100000947] from the insurer for his Bolero car, somewhere in Punjab, though he was a resident of Sri Ganganagar, Rajasthan. The vehicle had a temporary registration (No. PB-11-T-5101 from 20-06-2011 to 19-07-2011). The sum insured was Rs. 6,17,800/-. The temporary registration of the vehicle, however, expired on 19-07-2011.

3. As the respondent/complainant was engaged in business as a private contractor, for business purposes he had to be outside the city. On 28-07-2011 the complainant went to Jodhpur for