Mr. Justice R.C. Mankad, President — Complainant No. 2 is a consumer organisation of which complainant No. 1 is a member. This complaint is filed for and on behalf of complainant No. 1 (complainant for short) for recovery of Rs. 9,60,000/- which includes Rs. 8,65.000/- claimed under the insurance policies taken by the complainant from the opponent.

2. The complainant is carrying on business of hardware articles from his shop which is in Odhav area of Ahmedabad. He had taken insurance of the shop and the goods and stock lying therein under three insurance policies from the opponent. Insurance policy which is fire insurance policy "C" was for Rs. 2 lakhs and it was valid for the period from January 30,1992 to January 29,1993. Under this policy, damage or loss to the building was covered upto Rs. 50,000/- and stock of hardware items etc. was covered to the extent of Rs. 1,50,000/-. Second policy which was shopkeeper's policy was valid for the period from September 23,1992 to September 22,1993 and it was for a sum of Rs. 5 lakhs. Third policy which covered risk upto Rs. 1,41,000/- for loss of hardware articles etc. was valid for the period from November 4,1992 to November 3,1993. T