This appeal has been filed by the appellant against the order dated 29.09.2010 passed by the Gujarat State Consumer Disputes Redressal Commission, Ahmedabad (in short “the State Commission) in Consumer Complaint No. 46 of 2007 – Navsarjan Industrial Coop. Bank Ltd. vs. The New India Assurance Co. Ltd. by which, complaint was allowed.

2. Brief facts of the case are that Complainant/Respondent is a Co-operative bank registered under the Cooperative Societies Act. The opposite party/appellant had insured the complainant by Bankers Indemnity Policy. The complainant had paid Rs. 29,096/- on 22.5.2003 for insurance coverage to the extent of Rs. 40,00,000/- i.e. basic sum insured Rs. 5,00,000/- on premises, Rs. 20,00,000/- and Rs. 15,00,000/- for additional sum insured on transit. The said policy was renewed as stated in para 4 of the complaint for risk covering to the extent of Rs. 50,00,000/- i.e. basic sum insured Rs. 5,00,000/- additional sum insured on premises Rs. 25,00,000/- and additional sum insured on transit Rs. 20,00,000/-. The policy was supplied by the OP, but the terms and conditions of the policy were not supplied. It was also stated that the complainant was previousl