IN THE DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION Date of Institution: 29.03.2022 Date of Hearing: 26.11.2025 Date of Decision: 05.01.2026 FIRST APPEAL NO. 40/2022 IN THE MATTER OF SMT. SANTOSH SHARMA, PROP. ALOK GAS AGENCY, SHOP NO. 1, C-14, MODEL TOWN-II, DELHI – 110009.

(Through: Mr. Sameer Nandwani, Advocate)

…Appellant VERSUS THE ORIENTAL INSURANCE CO. LTD., DIVISIONAL OFFICE NO. XI, 30/26, FIRST FLOOR, NAGIA PARK, SHAKTI NAGAR, DELHI – 110007.

(Through: Mr. Kapil Chawla, Advocate)

…Respondent CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

HON’BLE MS. BIMLA KUMARI, MEMBER (FEMALE)

Present: Mr. Sameer Nandwani, Counsel for the appellant appeared through VC.

Mr. Chaitanya Jain, Counsel for the Respondent.

PER: HON’BLE JUSTICE SANGITA DHINGRA SEHGAL, PRESIDENT

JUDGMENT

1. The facts of the case as per the District Commission record are as under:

“…The complainant purchased LPG Dealership Policy bearing cover note no. 660165 valid from 30.12.2012 to 29.12.2013. It is alleged by the complainant that as per the cover note, the risk for cash in safe was covered to the tune of Rs.4,00,000/-, however, OP Insurance Company on its own sweet will reduced the said risk of cash in sa