V.K. Jain, Presiding Member—The complainant/respondent who is a doctor by profession, purchased a Honda City Car bearing registration no. KL 16G 4552 and got the same insured with the petitioner Reliance General Insurance Co. Ltd. for the period from 06.04.2011 to 05.04.2012 for a sum of Rs. 8,81,790/-. The vehicle met with a major accident on 30.11.2011, during subsistence of the policy and was taken to Vision Motors Pvt. Ltd., Opposite Party No. 3 in the complaint, for repairs. The said opposite party prepared an estimate of Rs. 7,07,917/- and forwarded the same to the Insurance Company. However, no instructions were given by the Insurance Company to Vision Motors Pvt. Ltd. to start repair of the vehicle. As a result, the complainant approached the District Consumer Disputes Redressal Forum, Idukki, seeking the following reliefs:-

1. The opposite parties may be directed either to give the insurance amount of Rs. 8,81,790/- or to replace the vehicle with a new one.

2. Rs. 60,000/- may be allowed as actual loss sustained by using rent a car.

3. Rs. 50,000/- may be allowed as compensation for deficiency of service on the part of the opposite parties.

4. Rs. 5,000/- m