Mr. V.N. Mishra, Member—The present complaint has been filed by Shri Sheo Dutta Mishra, President, Akhil Bhartiya Grahak Panchayat on behalf of Kedar Prasad Gupta, proprietor of India Alloys Company against United India Insurance Company and others for payment of compensation of Rs. 11.50 lakhs with interest at the rate of 18% for the loss and injury- suffered by the complainant due to negligence of the opposite parties.

2. The brief facts of the case are that India Alloys, a manufacturing factory, manufactures aluminium shots and notched bars and non- ferrous casting, etc. The complainant had got the materials of the Company in respect of which theft was committed insured against loss or damage due to burglary and/or house-breaking for a sum of Rs. 7.50 lakhs for which he paid a premium of Rs. 734/-. The insurance cover was for the period from 26.9.1991 to 25.9.1992. The premises was fully secured with outer doors constructed of steel gate and shutters, front, back and side windows made of wooden frame secured with iron rods. Burglary was committed in the premises at night on 26th/27th of April, 1992, in which non-ferrous castings, aluminium notched bars, electric motors and t