ORDER

Subhash Chandra, Presiding Member—The present complaint has been filed by the complainant under section 21 of the Consumer Protection Act, 1986 (in short, ‘the Act’) alleging deficiency in service by the opposite parties in the settlement of an insurance claim.

2. The brief facts of the case, as stated by the complainant, are that it is engaged in the business of manufacturing and trading of drugs and pharmaceuticals products at its plant located near Indore. The complainant purchased a Form Fill and Seal (FFS) machine worth Rs.32.32 crores from M/s Anitas Exports Limited at Village Bhud, Baddi, Nalagarh, District Solan, Himachal Pradesh. A Marine Cargo Specific Voyage Policy was obtained with effect from 26.06.2010 against a premium of Rs.1,42,418/- for a total insured sum of Rs.32.32 crores for transportation by road. The operation of the policy was from the time the consignment left the warehouse (commencement of transit) and continued during the ordinary course of transit including customary transhipment, until delivery to the final warehouse of the destination named in the policy, until expiry of 7 days after the arrival of the vehicle at the destination town which ever