Dr. P.K. Vasudeva, Member—This appeal has been filed Under Section 15 of the Consumer Protection Act, 1986 (for short hereinafter referred to as the Act) against the order dated 11.5.2000 passed in Complaint Case No. 637 of 1995 by District Consumer Disputes Redressal Forum-I, U.T., Chandigarh. Shri Satish Sharma appellant/complainant had purchased a coloured television for a sum of Rs. 35,000/-, German make which was insured from the respondent - United India Insurance Company Ltd. from 9.2.1994 to 9.2.1995 under the House-hold Policy. The television got damaged due to alleged “External Force” and the respondent - Insurance Company repudiated the claim. The District Forum dismissed the complaint of the complainant/appellant for the reasons that the loss had not occurred on account of an accident.

2. Briefly, the complainant Shri Satish Sharma s/o Shri Puran Chand Sharma resident of House No. 876, Sector 16, Panchkula purchased German make coloured television for the sum of Rs. 35,000/-. The television was insured under the Household Articles Policy from 9.2.1994 to 9.2.1995 from the respondent -United India Insurance Co. Ltd., Sector 26, Chandigarh and a premium for the sum of