Mr. Justice A. Venkatarami Reddy, President—The complainant purchased one Hindustan Ambassador Deluxe Sedan car in June, 1989 for a sum of Rs. 1,18,694/- manufactured by first opposite party through its dealer i.e. fourth opposite party i.e. Auto Pradeep, Hyderabad, and took a comprehensive insurance policy on 6.6.1989 for Rs. 1,20,000/- with the second opposite party, and the third opposite party is the General Manager, Oriental Insurance Company Ltd. Within a month of supply, even before the permanent registration was allotted to the car, the axle broke down and on a representation made by the complainant, the first opposite party replaced the car with a new one and the second opposite party endorsed the insurance coverage to the new replaced vehicle. Even before the expiry of period of third free service on 11.2.1990 at 5.45 p.m. while the vehicle was being taken out from the garage at the complainant's house as soon as an ignition key was applied, the vehicle caught fire preceded by an explosion. Most of the parts of the Engine were splattered inside the bonnet and the fire was put out by throwing sand by the workers with great difficulty and luckily the complainant and hi