Mr. Justice S.S. Sandhawalia, President — For the limited purpose of this order relegating the complainant to her remedy in a Civil Court, it is unnecessary to delve too deeply into the facts and the merits.

2. The complainant Smt. Poonam Mittal and her two children are the widow and off-springs of Shri Roshan Lai (hereinafter called the deceased) who died on the 24th of May, 1989. In this joint complaint, it is the case that on the 15th July, 1987 the deceased had submitted a proposal of Life Insurance Policy of Rs. 50,000/- with a double accident benefit which was accepted on the 9th of September, 1987 and Policy No. 170075473 was issued with regard thereto. In this policy, complainant No. 1 was the nominee. Again on the 15th December, 1988 the deceased made another proposal for a Life Insurance of Rs. 50,000/- with double accident benefit which was also accepted on the 31st of December, 1988 and relevant policy document was issued, wherein complainant No. 2 was the nominee. Curiously on the same aforesaid date i.e. 15th day of December, the deceased made a third proposal for life insurance of Rs. 50,000/- with double accident benefit which was also accepted and policy docume