STATE CONSUMER DISPUTES REDRESSAL COMMISSION HARYANA, PANCHKULA

                                                       First Appeal No.570 of 2018

                                                 Date of Institution: 03.05.2018

                                                          Date of final hearing: 24.04.2023

                                                     Date of pronouncement: 03.05.2023

Inder Jeet son of Sh. Paras Ram, age 76 years R/o V.P.O. Khanpur Tehsil Hansi, District Hisar.

…..Appellant

Versus

1. State Bank of India, Branch Office Bhatala, Hansi District Hisar (Through its Branch Manager).
2. Bajaj Allianz General Insurance Company through its Branch Manager, Branch Office, SCF-52, 1^st Floor, Red square Market, Hisar, PIN Code:125001.
3. Bajaj Allianz General Insurance Company through its authorized signatory/person, Head office GE Plaza 1^st Floor, Airport Road, Yerawada, Pune-411006 Tel. +91-020-66026666.

…..Respondents

CORAM:    Naresh Katyal, Judicial Member

Present:-    Sh. Lokesh Godara, counsel for the appellant.

                   Ms. Alka Joshi, counsel for respondent No. 1.

Sh. Rajesh Verma, counsel for respondent No.2 & 3.

                                                 ORDER

NARESH KATYAL, JUDICIAL MEMBER:

          Delay of 04 days in filing the present appeal has been condoned for the reasons stated in the application for condonation of delay.

2.      Unsuccessful, but still unfazed complainant is in appeal. He has invited a challenge to the legality of order dated 16.03.2018 passed by District Consumer Disputes Redressal Forum, Hisar (In short “District Commission”) vide which complaint case No.50 of 2017 filed by complainant-Inder Jeet, has been dismissed.

3.      As per complainant’s case he was holding crops insurance policy under scheme “Pardhan Mantri Fasal Bima Yojna” with OPs No.2 and 3. OPs charged Rs.5,175/- for insurance of paddy crops for 10 acre. His paddy crops of 10 acres was damaged due to water logging in his fields. He informed OP No.1, who advised him to inform OPs No.2 and 3 and he (complainant) informed them on 14.10.2016 at their Toll Free No.18002095858, who registered his complaint No.64520499 and assured for survey of damaged paddy crops of his fields. He was assured that if paddy corps damaged then OPs No.2 and 3 would grant compensation on account of damaged paddy crops as per policy in question. Officials of OPs No.2 and 3 surveyed damaged paddy crops of 10 acres of the complainant; did photography of damaged paddy corps and after 4/5 days; provided one copy of photographs to him. He contacted OPs No.2 and 3 on 26.10.2016 and 15.11.2016 regarding his paddy crops compensation but in vain. He contacted the officials of OPs and requested to grant him compensation on account of damaged paddy crops of 10 acres but they refused. He served legal notice upon the OP No.1 and 2 on 13.01.2017 and OP No.3 on 30.01.2017 but OPs did not reply to legal notices. On these pleas, by asserting deficient and negligent services to him and by alleging that OPs adopted unfair trade practices by not granting him compensation under policy, complaint was filed with the prayer that OPs be directed to refund the amount of Rs.2,50,000/- along with interest and to further pay Rs.50,000/- as compensation for mental agony, anguishment, loss etc.

4.      OP No.1/State Bank of India has taken defence that complaint is false, vague, wrong, illegal, arbitrary, frivolous, incorrect, baseless and vexatious and filed to harass and humiliate OP No.1.  Ther