S.K.M. Lodha, President• This complaint has been filed by M/s. Rajeev Traders through its Proprietor Mrs. Sobha Lodha having shop at Bajaj Khana, Kota against United India Insurance Co. and another(insurer) for recovery of Rs. 6,07,150/-. It is alleged by the complainant that insurance policy wasobt1ined by it for the period 6.11.1988to 5.11.1989. The risk coverage for the loss of goods was upto Rs. 4 lacs and the coverage for loss of money in safe/steel cupboard was upto Rs. 8,000/-. The complainant submitted photostat copy of the insurance policy No. 140604/57/1/ 137/89.

2. The communal riots broke out in Kota on 14.9.1989. The complainant's entire shop was burnt totally on 14.9.1989 at about 7.30 P.M. by miscreants. The loss was total which included all the records of the complainant. Thereafter curfew was imposed. The complainant informed the Sr. Divisional Manager(Opposite Party No.2) about the losses caused to the complainant in the riots where her entire shop was burnt to ashes. She lodged F.I.R. No. 195/89 on 19.9.1989. The complainant lodged a claim before the insurers. The documents and the information required by the insurers were submitted. Reminders were given by t