These two appeals 300 of 2010 & 301 of 2010 have been filed by the appellant, M/s. Mukesh & Co. Tobacco Products Pvt. Ltd. against the order dated 31.07.2010 of the State Consumer Disputes Redressal Commission, Chhattisgarh, (in short ‘the State Commission’) passed in Complaint Nos.2 & 3 of 2009.

2. Brief facts of the case are that the appellant is an authorised agency of the government to buy Tendu leaves from Chhattisgarh State Small Forest Produce Marketing Society and to sell the same. As per agreement with the government of Chhattisgarh, the appellant was authorised to buy Tendu Patta during the period from 03.04.2008 to 31.03.2009. The appellant, in pursuance of the agreement, used to buy Tendu Patta through primary societies and thereafter to get it dried, processed and then send it to godowns in gunny bags. The appellant fixed a target to buy approximately 1600 standard bags of Tendupatta and based on the cost of Rs.2,378/- per bag, it obtained an insurance cover Policy No.450300/11/08/11/0000053 of Rs.38,04,800/- from the respondent Insurance Company covering the risk of fire, storm, typhoon, flood and inundation and other perils etc. for the period 25/04/2008 to 24/06