R.S. Mongia, President - This is an appeal by complainant Manjit Kaur and her minor son Sehraj Jeet Singh against the judgment of the District Consumer Disputes Redressal Forum. Gurdaspur(hereinafter called the “District Forum”) dated 13.4.2006 by which their complaint has been dismissed.

2. Brief facts are that a motor cycle was purchased in the name of complainant Manjit Kaur, which was given to her in dowry. The vehicle was comprehensively insured in the name of Manjit Kaur with the respondent Insurance Company. In fact, it was a package policy which covered personal accident cover under Section III for owner-driver in the sum of Rs. 1,00,000/-. Her husband Harjit Singh, who was driving the motor cycle in question, unfortunately met with an accident on 14.11.2004 during the subsistence of the policy. The husband died at the spot due to the said accident. An F.I.R. No. 180 dated 14.11.2004 was also lodged against the driver of the offending truck with which the motor cycle had met with an accident. An intimation of the accident was given to the respondent-Insurance Company by the widow and Rs. 1,00,000/- was claimed because of accidental death of Harjit Singh, who was then