Mr. Justice G.G. Loney, President—The complainant claimed in this complaint an amount of Rs. 1,06,002/- with interest for the settlement of insurance claim. The facts of the complaint are that the complainant obtained an insurance policy from the opposite party for indemnifying the insurance received by their workers during the course of employment with the complainant. The complainant carries on business of water proofing with the help of their employees. The complainant obtained the insurance policy for the period between 11.4.1990 to 10.10.1990 after payment of Rs. 1216/- towards the premium. According to complainant in an incident occurred on 13.5.90 their employee Sonabhai Oza died in an accident while working with the complainant Company during the course of his employment. His age was 32 years. It is the allegation of the complainant that he paid Rs. 1,06,002/- to the legal heirs of the deceased Sonabhai as per the direction of the Commissioner for Workmen's Compensation. The Complainant further alleged that their claim lodged with the O.P. for payment of insurance claim remained unsettled. According to complainant, the opposite party by letter dated 11.2.91 refused the