V.K.Jain, Presiding Member—The petitioner Company took a Marine Hull Comprehensive Package Policy dated 10.04.2003 from the opposite parties, United India Insurance Co. Ltd. in respect of coverage of 32 small Rigs in operations at Namsai in Arunachal Pradesh for the period from 10.04.2003 to 09.04.2004, for a total sum of Rs. 4.33 crores. The complainant also took an all risks policy dated 22.03.2003 for coverage of the Seismic units with accessories, for the period from 22.03.2003 to 21.03.2004, for Rs. 5 Crores. The case of the complainant Company is that on 21.11.2003 about 15 cadres of ADF/Ulfa armed with weapons entered into the operation areas, threatened to kill the staff working there and damaged several costly equipments, besides taking away some equipments and accessories of seismic survey. The complainant Company claims to have suffered a loss of Rs. 12,00,792/- in the aforesaid incident which was reported to the police and registered vide case no. 79/2003. In another similar incident on 23.11.2003, around 30/35 cadres of terrorists outfit attacked another Seismic area, threatened to kill the staff and took away several equipments and accessories from the