Mr. Justice A.P. Chowdhri, President— Both the appeals mentioned in the above title are directed against the same order dated 6.5.96 of District Forum-I and these are being disposed of together.

2. Shri M.L. Bhat and his brother Shri P.K. Bhat, hereinafter referred to as the complainants, obtained a house-holders insurance policy for Rs. 3 lakhs on 2.7.91 from Batwara, Shri Nagar Branch of Oriental Insurance Company Limited, (opposite party for short). The policy covered risk against burglary, fire and theft. Burglary took place in the house on 2.6.92 regarding which FIR was lodged at P.S. Pulwama the same day. The complainants filed their claim with the Insurance Company. The Company deputed Mr. M.K. Wali as Surveyor. The complainants furnished various documents required by the Surveyor on 18.6.92. The opposite party, however, failed to settle the claim. Two letters were written by the complainants on 13.12.93 and 22.3.94. The Insurance Company informed the complainants on 11.4.94 that claim amounting to Rs. 1,54,386/-had been approved. A cheque for the said amount was sent by the Insurance Company to the complainants on 15.4.94 which was received by the complainants under pro