Mr. Justice D.P. Wadhwa, J. —Leave granted.

This appeal is directed against the order of the National Consumer Disputes Redressal Com mission dismissing the appeal of the appellant and confirming the order of the Maharashtra State Commission by which order the State Com mission had allowed the complaint of the respondent filed under Sections 17/18 of the Consumer Protection Act, 1986 (for short 'the Act'). In fact, there were two complaints before the State Commission; in one complaint the claim of the complainant against the appellant was settled for Rs. 5,04,841.23 and the second for Rs. 9,99,500/ .The costs of Rs. 500/ in each of the two complaints.

2. In this judgment, the appellant M/s. New India Assurance Company Ltd. is described as 'insurer', the respondent as complainant' or 'assignee' and M/s. Ajanta Paper and General Products Ltd. as the 'consignee' or 'assured'.

3. The complainant is an assignee of two insurance policies taken out by M/s. Ajanta Paper and General Products Ltd., from the appellant being the insurer. One policy was to insure 244 bales computer wastes computer print out valued at Rs. 5,87,000/ and the second was for 170 bales computer waste computer prin