IN THE DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION Date of Institution: 24.08.2023 Date of Hearing: 29.01.2026 Date of Decision: 27.02.2026 FIRST APPEAL NO.-432/2023 IN THE MATTER OF M/S. NATIONAL INUSRANCE CO.LTD., HAVING ITS OFFICE AT, 2E/9, JHANDEWALAN EXTENSION, NEW DELHI, DELHI-110055 (Through: Mr. Shubham Sharma, Advocate)

…Appellant VERSUS M/S. SURYA ROSHNI LTD, THROUGH ITS SR.V.P.(TAXATION), SH. RAJEEV KOTHARI, PADAM TOWER -1, RAJENDRA PLACE, NEW DELHI – 110008.

(Through: Mr. Harvinder Singh and Mr. Aman Sharma, Advocates)

…Respondent CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

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

Present: Mr. Shubham Sharma and Mr. Sumit Prasad, Counsel for the Appellant Mr. Harvinder Singh and Mr. Aman Sharma , Counsel for the Respondent PER: HON’BLE JUSTICE SANGITA DHINGRA SEHGAL, PRESIDENT JUDGMENT

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

“2. The complainant took a car insurance policy for its vehicle bearing registration no. DL6CJ8027 make/model HONDA CITY 2009 through SMC Insurance Brokers Pvt having Broker Code 289 for which OP No.3 issued a policy on 22.02.2010 which was valid from 22.02.2010 to 21.02.2011. I