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C.VISWANATH, RAM SURAT RAM MAURYA
Supriya Spinning Mills Private Limited – Appellant
Versus
United India Insurance Co. Ltd. – Respondent


Advocates:
Counsel for the Parties:
For the Complainant:Ms. K. Radha, Advocate
For the Opp. Parties:Mr. Abhishek Kumar Gola, Advocate

ORDER

1. The present Complaint is filed under Section 21 (a) (1) of the Consumer Protection Act, 1986.

2. The Complainant is a Private Limited Company engaged in cotton business since 2005. One of the stock points of the Complainant is situated at M/s Vijaya Chaitanya Enterprises Pvt. Ltd., Dhulipalla Village, Sattenapalli Mandal, Guntur District, A.P. The Complainant got insured its stock vide following Insurance Policies: -

Sl. No.

Policy Number

Period

Sum Assured

Perils Covered

1

2011/15080111111100000747

14-11-2011 to 13-01-2012

2,00,00,000

Standard Fire and Special Perils Policy with add on cover earthquake (Fire and Stock)

2

2011/15080111111100000805

30-11-2011 to 29-01-2012

4,00,00,000

Standard Fire and Special Perils Policy

 

Total Sum Assured

 

6,00,00,000

 

3. The case of Complainant is that on 27.12.2011, at about 5:00 PM, a fire broke out at M/s Vijaya Chaitanya Enterprises Private Limited near the Kappas heaps and damaged the entire stock. The cause of fire was “sparks emanating from the silencer pipe or lorry exh

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