Mr. Justice P.K. Shamsuddin, President— The complainant purchased a LMV Goods Carriage KL-01 /4122 which is under hypothecation to Kerala Financial Corporation, the second respondent herein. The vehicle was covered with a valid insurance policy for the period from 17.7.1990 to 15.7.1991. Exbt. R-1 is the certificate of insurance. Exbt. R-1 shows the vehicle insured was the one with registration No. KL-01 /4122. Address of the insured is shown as A. Rasheed, Thushara Manzil, Elavattom P.O., Palode. The vehicle was stolen between 10.1.1991 10.30 p.m. and 11.1.1991 7 a.m. The complainant lodged a complaint before the Nedumangad Police Station and a Crime was registered by that Police Station as Crime No. 9/91 for an offence of theft. Exbt.P-1 is the First Information Report. It appears that Ned umangad Police filed a report before the Judicial IInd Class Magistrate Court, Nedumangad stating that inspite of best efforts they could not detect the accused. Exbt. P-2 is the said report.

2. The complainant made a claim before the first respondent supported by copies of documents filed before the Court and documents of vehicle. The grievance of the complainant is that the first responde