Mrs. Vineeta Rai, Member—This revision pennon has been flied by D.N. Badoni (hereinafter referred to as petitioner) being aggrieved by the order of the Uttaranchal State Consumer Disputes Redressal Commission, Dehradun which was decided in favour of Oriental Insurance Company (hereinafter referred to as respondent).

2. The facts of the case according to the petitioner who was the original complainant before the District Forum was that he had got his tanker No. UP-0-7D-9877 insured with the respondent Insurance Company for Rs. 5,05,000 for the period from 3.11.1997 to 2.11.1998 for covering various risks including accident by external means and that he had paid the required premium of Rs. 8,202. The vehicle got buried under snow on 15.10.1998 at Malari near ITBP camp where it had gone to deliver a cargo and since the road leading to the accidental site was washed away, the vehicle could not be recovered till the snow melted in June the following year which resulted in total loss of the vehicle. Immediate information was given to the respondent by the petitioner regarding this incident, followed by reminders but it was only on 15.3.1999 that respondent appointed Shri Kamal Kumar