Mrs. Rajyalakshmi Rao, Member—This complaint is filed by Dr. Viral Shah alleging deficiency in service against the opposite party, United India Insurance Co. Ltd. Brief facts of the case are:

2. The complainant Dr. Viral Shah had installed a Siemens AG Germany make Magnetom M10 (IO Tesla) MRI machine at Breach Candy Hospital and Research Centre, Mumbai under an agreement dated 2.7.1987 with them. He decided to shift the machine from Breach Candy Hospital, Mumbai to MRI and Lithortripsy Centre, near Nursing College, New Civil Hospital Complex, Asarwa Road, Ahmedabad, after the agreement came to an end with the Breach Candy Hospital and Research Centre, Mumbai.

3. In order to install the MRI in Ahmedabad, on 8.7.1996, the complainant approached the opposite party for transit insurance. Opposite party appointed S.G. Kumar and Co-surveyors, Loss Assessors and Valuers for pre-acceptance inspection. The surveyor gave a report on 15.12.1996 on the magnetom impact IO Tcsla MRI system (Ext. ‘E’). Based on this, opposite party processed the proposal of the complainant on payment of a premium of Rs. 2,81,239 against the total sum insured under the policy, which was Rs.3,16,00,000. The pr