ORDER

PER BHARATKUMAR PANDYA. MEMBER

1. Heard Mr. N.P. Sharma, Advocate learned counsel for the Appellants and Ms.Sunanda Nimisha, Advocate for R-1. None appeared for R-2.

2. The brief facts of the complainant’s case, as pleaded before the District Forum (Annexure RP-8, pp. 53-58 of the paper book), are that the complainant purchased a Toyota Innova bearing Registration No. PB-10-AJ-0040 from Opposite Party No. 2 in January 2009 and applied for transfer of ownership before the District Transport Officer, Mohali on 25.03.2009, whereafter the Registration Certificate was transferred in his name on 26.06.2009. The vehicle was already insured with Opposite Party No. 1, Bajaj Allianz General Insurance Co. Ltd., and the existing policy was to expire on 09.04.2009; accordingly, before its expiry, the complainant approached the insurer for renewal and paid the premium from his own bank account. The policy was renewed for the period 10.04.2009 to 09.04.2010 and the Certificate of Insurance dated 21.05.2009 mentioned “M/s Dee Emm Wire Products c/o Nitesh Garg.” The complainant pleaded that the insurer knowingly accepted the premium from him and renewed the policy during the subsistence of his o