ORDER

C. Viswanath, Presiding Member.—Cross Appeals have been filed by the Appellants under Section 19 of the Consumer Protection Act, 1986 against the Order passed by the State Consumer Disputes Redressal Commission, U.T. Chandigarh (hereinafter referred to as the “State Commission”) in Complaint No.17/2011 dated 30.01.2012.

First Appeal No. 178 of 2012 has been filed by the Appellant/Roxy Color Lab with a delay of 30 days as per the report of the Registry. For the reasons stated in the application IA/01/2012 in the interest of justice, the delay is condoned.

2. The case of the Complainant is that the its Digital Colour Laboratory, including plant and machinery, office equipment, raw-materials, goods held in trust and trade, were covered by Standard Fire & Special Insurance Policies bearing distinct Nos.420102/11/08/3100000052 and 420102/11/08/3100000182 from 08.07.2008 to 07.07.2009 and 06.01.2009 to 05.01.2010 respectively. The total risk cover was Rs.96 lakhs. Policy No. 420102/11/08/3100000052 was earlier being serviced by another Branch Office of the Opposite Parties and was renewed by Opposite Party No.2. While renewing Policy No. 420102/11/08/3100000052, without having got