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NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION, NEW DELHI
R.K. Agrawal, J
Parenteral Drugs (India) Ltd v. United India Insurance Company Limited
| Table of Content |
|---|
| 1. claim filed under consumer protection for insurance service deficiency. (Para 1 , 2 , 3 , 4 , 5) |
| 2. opposite party claims loss occurred post contractual coverage period. (Para 6 , 7) |
| 3. court discusses implications of service deficiencies and claim interpretation. (Para 8 , 9) |
| 4. interprets delivery in scope of insurance terms, refuting 'constructive delivery'. (Para 10 , 15) |
| 5. court allows claim based on terms of policy covering unloading. (Para 18 , 19) |
1. The present complaint has been filed by the complainant under S.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 26.6.2010 against a premium of Rs. 1,42,418 f
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