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2025 Supreme(Online)(SCDRC) 9139

STATE CONSUMER DISPUTES REDRESSAL COMMISSION
JUSTICE SUNITA YADAV, PRESIDENT, DR. SRIKANTH PANDEY, MEMBER
M/S SHUMB SANKALP JWELLERS – Appellant
Versus
UNITED INDIA INSURENCE CO. – Respondent


Advocates:
For the Appellants/Petitioners: M/S SHUMB SANKALP JWELLERS
For the Respondents: UNITED INDIA INSURENCE CO.

Table of Content
1. factual foundation: insured valuables and theft. (Para 3 , 4)
2. legal interpretation of lawful presence regarding theft. (Para 8 , 9)
3. court's rationale on exclusion clauses and liability. (Para 10 , 11)
4. assessment of awarded compensation relative to theft. (Para 14 , 15)
5. conclusion: upheld findings and dismissed appeals. (Para 16)

HON'BLE MRS. JUSTICE SUNITA YADAV , PRESIDENT HON'BLE MR. DR.SRIKANTH PANDEY , MEMBER FOR THE APPELLANT:

M/S SHUMB SANKALP JWELLERS FOR THE RESPONDENT:

UNITED INDIA INSURENCE CO.

DATED: 23/05/2025

ORDER

M. P. STATE CONSUMER DISPUTES REDRESSAL COMMISSION, PLOT NO.76, ARERA HILLS, BHOPAL FIRST APPEAL NO. 1651 OF 2014 (Arising out of order dated 28.07.2014 passed in C.C.No.537/2012 by District Commission, Indore)

1. THE UNITED INDIA INSURANCE CO.LTD.

THROUGH BRANCH MANAGER, RAJANI BHAWAN, OPPOSITE HIGH COURT, INDORE (M.P.).

2. THE UNITED INDIA INSURANCE CO.LTD.

THROUGH DIVISIONAL MANAGER, DIVISION OFFICE-II, IDA BHAWAN, FIFTH FLOOR, RACE COURSE ROAD, INDORE (M.P.) …. APPELLANTS.

Versus M/S SHUBH SANKALP JEWELLERS, THROUGH PROPRIETOR VINOD KUMAR S/O SHRI RAMLAL GARG, R/O LG 1-2, CITY CENTRE, M.G.ROAD, INDORE (M.P.) …. RESPONDENT.

FIRST APPEAL NO.

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