ORDER

Subhash Chandra, Member—This complaint has been filed under section 21(a) (i) of the Consumer Protection Act, 1986 (in short, the ‘Act’) alleging deficiency in service and unfair trade practice in respect of a Fire Insurance Policy taken by the complainant to cover its building, plant and machinery, furniture, fixtures and stocks at its unit in 14, GIDC Industrial Estate, Kadi, District Mehsana, Gujarat 382715, which was repudiated by the opposite party.

2. Briefly, the facts of the case are that the complainant, a leading manufacturer of sanitary ware and bath fittings in India, had purchased an Insurance Policy No. 300900/11/14/3100002790 (in short, the ‘policy’) effective from 01.03.2015 to midnight of 29.02.2016 for a sum of Rs 2,14,50,000/- to insure its building, plant and machinery, furniture, fixtures and stocks at its unit in Kadi, District Mehsana, Gujarat (in short, the ‘insured premises’). On 29.02.2016 at 11.05 pm an accidental fire broke out at the insured premises and the staff of the complainant called the Fire Department of Kadi Municipality for despatching the fire brigade. According to the complainant, three fire tenders were despatched at 11.45 pm and the