Vinay Kumar, Member—This revision has been filed against the order of AP State Consumer Disputes Redressal Commission in FA No.293 of 2010. In the impugned order, the State Commission has set aside the order of the District Forum and ordered OPs Nos.1, 2 and 3 and to pay Rs.2 lakhs together with interest at 9% per annum from the date of repudiation of the claim.

2. The fact of the case, in very brief, are that the petitioner/Complainant, her husband and her son were joint account holders of a savings bank account with OP-1, State Bank of India. The Complainant’s son obtained an insurance policy called ‘Super Suraksha’ for SBI Account Holders, for Rs.2 lakhs. OP-1 was authorized to directly debit the above mentioned account for the annual premium, every year. The certificate of insurance was issued on 30.9.2004.

3. The insured died on 8.2.2009 in a road accident. The Complainant, his nominee, filed a claim under the policy. On 21.5.2009 she received a letter from OPs that the policy of the deceased had lapsed for non-payment of premium. As it transpired the first two annual premium amounts were directly debited to their account and thereafter OP-1 had failed to debit the premiu