ORDER

This appeal arises out of an insurance complaint rejected by the State Consumer Disputes Redressal Commission, UT at Chandigarh (hereinafter referred to as the State Commission) where the opposite party was the respondent Bharti Axa General Insurance Company Ltd. During the pendency of this appeal, the general insurance business of the respondent underwent demerger to M/s. ICICI Lombard General Insurance Co. Ltd. that was approved by Insurance Regulatory and Development Authority of India vide letter dated 03.09.2021 with a clear stipulation that the policy holder’s interest shall be ensured at all times including timely redressal of their grievances, if any. IA/6774 of 2023 had been filed by the respondents in this appeal with a request to substitute the respondents accordingly. The request was accepted and the application was allowed vide order dated 18.07.2023.

2. The appellant/complainant took a Burglary cum House Breaking Insurance Policy from the respondents/Insurance company which was continuing and the policy i.e. subject matter of this controversy undisputedly covered the risk of goods kept in the godown of the appellant, the duration whereof was 08.01.2015 to 07.01.