IN THE NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION NEW DELHI Reserved on: 12.02.2026 Pronounced on: 07.04.2026 SECOND APPEAL NO 192 of 2025 (Against the order dated 21.11.2024 passed in Appeal No 204/2024 by the State Consumer Disputes Redressal Commission, Chandigarh)

1. MBR Trading Company Near Chandigarh Zirakpur Barrier Chandigarh Road, Zirakpur District SAS Nagar, Mohali Punjab Through its proprietor Barinder Deep Singh

2. Barinder Deep Singh, Proprietor MBR Trading Company Near Chandigarh Zirakpur Barrier Chandigarh Road, Zirakpur, District SAS Nagar, Mohali Punjab ...Appellants V The New India Assurance Company Limited Branch office at SCO No.75, first floor Sector 30-C, Chandigarh through its Branch Head Now through its Authorized Signatory Vishal Malhotra Assistant Manager and Power of Attorney holder New India Assurance Company Limited Regional Office SCO 36-37, Sector 17-A Chandigarh ...Respondent HON’BLE DR. INDER JIT SINGH, PRESIDING MEMBER HON’BLE JUSTICE DR. SUDHIR KUMAR JAIN, MEMBER For the Appellant Ms. Ekta Sharma, Advocate (VC)

For the Respondent Mr. Thanay Manohar, Advocate (VC)

Dated: 07th April, 2026

ORDER

DR. SUDHIR KUMAR JAIN, J.

1. Briefly stated relevant fac