Mr. Justice K.K. Srivastava, President—Feeling aggrieved against order dated 1.8.2003 passed by the District Consumer Disputes Redressal Forum-II, U.T., Chandigarh [for short hereinafter referred to as the District Forum] in Complaint Case No. 7 of 2001, the complainant has filed this appeal. The appellant got his goods (hand-made Terracotta, designer pots with Melamine finish insured from the respondents-United India Insurance Company Limited (for short hereinafter referred to as the Insurance Company) against Cover Note No. 134021 dated 14.12.1999. Subsequently Marine Cargo Policy No. 110200/21/1/03/99 dated 24.12.1999 was issued insuring the goods valued at US $ 24541. The amount insured under the policy was of a sum of Rs. 12 lacs. The premium of a sum of Rs. 5,310/- was duly paid by the appellant. The policy contained additional clauses namely ICC “a” All Risk + SRRC/War and with special condition and warranties of excess clause of 5% of claim amount, CIF + 10% warehouse to warehouse. These goods were to be sent from Chandigarh to Sharjah (UAE) via Bombay. From Bombay, the goods were to be transported by ship to Sharjah. The complainant had furnished the necessary docume