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NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION, NEW DELHI
SUBHASH CHANDRA (PRESIDING MEMBER)
Swarna Motors v. Oriental Insurance Co. Ltd.
| Table of Content |
|---|
| 1. filing of complaint and basis of repudiated insurance claim. (Para 1 , 2 , 3) |
| 2. opposite party's defense regarding the complainant's consumer status. (Para 4 , 8 , 10) |
| 3. arguments presented by both complainant and opposite parties. (Para 6 , 7) |
| 4. court's observations regarding the legitimacy of the repudiation. (Para 9 , 12) |
| 5. final decision allowing the complaint and details on monetary relief. (Para 11 , 13) |
1. This Complaint under S.21 of the Consumer Protection Act, 1986 (for short "the Act") has been filed against the repudiation of the insurance claim under a Standard Fire and Special Perils Policy obtained by the Complainant who is a proprietorship firm operating as a premier distributor of genuine spare parts of commercial vehicles, on account of a fire incident on 12.10.2013 at the office - cum - warehouse of the Complainant at Panipat, Haryana.
2. The Complainant lodged a claim for Rs. 6,97,37,720 with the Opposite Party. The Opposite Party appointed M/s. Atul Kapur and Company, Fire, LOP, Miscellaneous & Marine Surveyors to assess the loss to whom all relevant documents were submitted by the Complainant. However, on 1.4.2015, Opposite Party No. 3 (Surv
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