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NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION
SUBHASH CHANDRA, PRESIDING MEMBER, AVM J. RAJENDRA, MEMBER
M/S. BAJRANG AGRO INDUSTRIES PVT. LTD. – Appellant
Versus
THE ORIENTAL INSURANCE CO. LTD. – Respondent
| Table of Content |
|---|
| 1. insurance claims for spontaneous combustion can be valid under policy terms. (Para 1 , 2 , 3) |
| 2. assessment of loss must consider non-visible damage under cover. (Para 10 , 11 , 12) |
| 3. minor lapses and contradictions do not constitute a fundamental breach. (Para 14 , 18) |
JUDGMENT
1. The present Consumer Complaint has been filed under Section 21 of the Consumer Protection Act , 1986 (for short “the Act”) against the Opposite Parties seeking the following directions:
1. The sum of Rs.8,22,48,237/- being the amount of loss suffered by the complainant due to destruction/damage of insured material.
2. Interest @ 15% per annum on the said amount of Rs. 8,22,48,237/- from 02.04.2016 up to the date of this complaint and thereafter up to the date of realization.
3. A sum of Rs. 50,000/- towards harassment caused to the complainant.
4. The costs of this litigation.
5. Any other or further relief as this Hon'ble commission finds fit and proper in the circumstances of the case.
2. Brief facts of the case, as per the complaint are that the Complainant is engaged in the manufacturing of oil and de-oiled cakes from oil seeds, along with wheat flour products, pasta, noodles, namkeen
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