Mr. Justice L. Manoharan, President—The opposite party in O.P. 442/94 on the file of the Consumer Disputes Redressal Forum, Alappuzha is the appellant.

2. The complainant alleged before the District Forum that he took a Marine Hull Policy dated 10.11.1993 for his Marine Fish Boat MFV Sree Murugan bearing registration No. Alp. 708. The policy was issued by the opposite party-appellant. He was regularly paying the premium. The same was time policy and it covered a period from 11.11.1993 to 10.2.1994. He alleged, subsequently the period of policy was extended for a further period from 11.2.1994 to 10.5.1994. Thereafter, also the policy was extended from 11.5.1994 to 10.11.1994. The opposite party had accepted premium and issued the said policy with conditions of Marine Hull Insurance.

3. During the night of 31.3.1994 another boat hit against his boat, consequent upon which the same suffered damage, water flushed into the boat but the crew alongwith others salvaged the boat and later the boat was taken to Quilon for repair. It was duly repaired, he launched a claim before the opposite party with necessary documents. But, according to him the opposite party did not respond inspite of