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NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION, NEW DELHI
* R. K. Agrawal (President), Dr. S. M. Kantikar (Member)
M/s. Mangalam Organics Limited, Mumbai – Appellant
Versus
The New India Assurance Company Limited – Respondent
| Table of Content |
|---|
| 1. claim initiation and background information on the fire incident. (Para 1 , 2) |
| 2. opposite party's response and arguments regarding exclusions. (Para 3 , 4 , 5) |
| 3. details on surveyor's assessments and claim computations. (Para 6 , 7 , 9) |
| 4. court's evaluation of claims in relation to the policy terms. (Para 10 , 12 , 15) |
| 5. final direction and outcome of the case. (Para 17 , 19) |
1. The present Consumer Complaint has been filed under S.21 of the Consumer Protection Act, 1986 (hereinafter referred to as the Act) by M/s. Mangalam Organics Limited, Mumbai (hereinafter referred to as the Complainant Company) against The New India Assurance Company Limited (hereinafter referred to as the Opposite Party Insurance Company).
2. Brief facts as narrated in the Consumer Complaint are that the Complainant Company M/s. Mangalam Organics Limited (earlier known as Dujodwala Products Limited in the year 1981 and subsequently known as Allied Colloids Pvt. Ltd. in the year 1992) is engaged in the manufacture of Terpene Products such as Camphor Technical, Camphor A Grade, Camphene, Isobornyl Acetate, Isoborneol, Dipentene, Sodium Acetate Trihydrate, Camphor Oil, Pine Oil, Pine Tar, Res
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