IN THE NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION AT NEW DELHI NC/CC/28/2010 M/s. Sri Shadi Lal Enterprises Ltd. … Complainant Versus National Insurance Co. Ltd. … Opposite Party BEFORE:

HON’BLE MR. JUSTICE A.P. SAHI, PRESIDENT HON’BLE MR. BHARATKUMAR PANDYA, MEMBER Appeared at the time of arguments:

For the Complainant : Mr. Sameer Nandwani, Advocate Ms. Sanya Arora, Advocate For the Opposite Party : Ms. Meenakshi Midha, Advocate Mr. Garv Singh, Advocate PRONOUNCED ON : _08^th September 2025

ORDER

JUSTICE A.P. SAHI, PRESIDENT

1. The complainant claimed insurance coverage under a Standard Fire and Special Perils Policy, the duration whereof was from 01.04.2008 to the midnight of 31.03.2009. The coverage was also with regard to the stocks stored in a molasses tank of the complainant’s unit of Upper Doab Sugar Mills, Shamli, District Muzaffarnagar, U.P. It is alleged by the complainant that on 27.04.2008 at about 9pm, the molasses tank no. 5 all of a sudden burst as a result whereof the molasses stored in the tank spilled in the open area and a major quantity also went down the drain. The claim for the loss made was of Rs. 1,69,22,886/- for the loss of stocks, Rs. 25,88,031/- for the