Mrs. S. Majumder, Member— This appeal has arisen against the judgment passed by the learned District Forum, Howrah, on 16.12.2005 in its case No. HDF 102/2005, wherein the learned Forum below has allowed the complaint in part on contest against the OP Nos.1 and 2 and dismissed on contest against the OP No.3 and directed the OPs 1 and 2 to pay a sum of Rs.2,00,000 to the complainant along with the interest @ 10% p.a. from the date of filing the complaint till the full payment within one month from the date of passing the judgment. The Forum has awarded cost of Rs.500 in favour of the complainant and directed the OP Nos. 1 and 2 to pay the cost amount within one month from the date of passing the judgment.

2. The brief facts of the case of the complainant before the Forum below were that the deceased husband of the complainant obtained an insurance policy namely Janata Personal Accident Policy for the period from 23.7.1999 to 22.7.2014. The said husband of the complainant died on 1.10.2001 by a road accident at Brace Bridge on the Hide Road. The deceased was an employee under GTFS as a field worker. The GTFS is an agent of the OP Nos. 1 and 2 Insurance Company insofar as the co