Mr. Justice S.K.M. Lodha, President — Smt. Nalini Joshi (complainant) has filed this complaint under S.12 read with Sec. 17(1)(a)(i) of the Consumer Protection Act, 1986 (“the Act” herein) against the Life Insurance Corporation & Others opposite parties who will hereinafter referred to as the “Corporation” on 22.8.90 praying that a sum of Rs. 2,50,000/- together with interest, bonus and costs may be awarded to her from the Corporation. It was also prayed that interest @ 18% from 1.12.1989 may also be awarded. The husband of the complainant was Shri Kuldeep Pareek who was working as Personnel Officer in Rajasthan State Electricity Board. Shri Kuldeep Pareek obtained 3 policies :—

(1) 26001041 for Rs. 15,000/- 2) 50894991 for Rs. 30,000/- and 3) 190375409 for Rs. 50,000/- from the Corporation. All the three policies covered accident risk. The case set up by the complainant is that in case of accident if the husband of the complainant dies the nominee will get double the amount of the policy. The policy of Rs. 50,000/- was to expire on 1.1.2004. It was under Policy Proposal No. 1699-159 and the nominee of the policy was the complainant. The quarterly premium of the policy was Rs.