ORDER

Bharatkumar Pandya, Member.—This complaint involves allegation of deficiency in service of insurance company with regard to repudiation of two insurance claims under Contractors All Risk Insurance Policy issued by OP M/s National Insurance Co.

2. The complainant is a contractor firm which was awarded contract for construction of breakwater and its approaches for fishing harbor by Government of Tamil Nadu at Thengapattinam at Kanyakumari for a total contractor value of Rs.27,62,60,930/-. The contract involved construction/erection of breakwater having, broadly, a ‘core’ to be fortified by primary armor of specially shaped and patented technology ‘CORE-LOC’ units, and, secondary armor of specified shape, size and weights of specified sourced stones and with laying of ‘berm’ at the base. As a part of the contract work, the complainant was also required to use CORE-LOC, a patented product of M/s Concrete Layer Innovations (CLI). As per agreement, the project was to be executed as per the design, terms and conditions and to be monitored by the Fisheries Department of Government of Tamil Nadu and under technical assistance from CLI. The design for the breakwater project was made by t