ORDER

R.K. Agrawal, President.—M/s. Bommidala Purnaiah Holdings Pvt. Ltd. through its Director and M/s. Tobacco Enterprises of India through its Managing Partner (hereinafter referred to as the Complainant) have filed Consumer Complaint Nos. 715 of 2015 and 716 of 216 respectively, under Section 21 of the Consumer Protection Act, 1986 (for short “the Act”) against The New India Assurance Company Ltd. (hereinafter referred to as the ‘Opposite Party Insurance Company’).

2. Since the material facts and issue involved in the both the cases are similar, we dispose of both these cases by this common Order. For the sake of convenience, the material facts as enumerated hereunder are taken from CC No. 715 of 2016 titled as “M/s. Bommidala Purnaiah Holdings (P) Ltd. vs. The New India Assurance Company Ltd.”

3. The Complainant, who is engaged in the business of tobacco trading and processing, stored its stock of tobacco in the godown of M/s Tobacco Enterprises of India. For covering the risk of its tobacco stock stored/lying in non-kutcha construction building situated in the premises of M/s. Tobacco Enterprises of India, the Complainant obtained two Standard Fire and Special Perils Policies,