Chander Shekhar Sharma, Member— This complaint had been filed by M/s Vaishnavi Kosmeticos Pvt. Ltd., hereinafter referred to as the complainant, who is in the business of manufacturing of detergent powder, detergent cakes, toiletries etc. since the month of June, 2007 against the Oriental Insurance Company, who is having its various offices at Ambala. Shimla, Parwanoo, Delhi, Chandigarh etc., hereinafter referred to as the opposite parties No. 1 to 5, for deficiency in service and unfair trade practice on the part of the opposite parties, wherein, the complainant had claimed the following relief in its favour i.e.:

(i) Rs. 36,30,132.00 lacs alongwith 18% interest;

(ii) The loss of produce to the tune of Rs. 53 lacs with 18 % interest;

iii) Compensation for damages for delay on account of loss in business of Rs.5 lacs with 18% interest;

(iv) Compensation for harassment and mental agony caused by the opposite parties to the tune of Rs. 3 lacs with interest and Compensation as litigation expenses to the tune of Rs.15,000.

2. Factual matrix of the case as they emerged from the complaint file in nutshell is that the complainant had obtained Standard Fire and Special Perils