IN THE DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION Date of Institution: 06.10.2023 Date of Hearing: 04.02.2026 Date of Decision: 24.03.2026 First Appeal No. -528/2023 IN THE MATTER OF THE ORIENTAL INSURANCE CO. LTD., LEGAL HUB, A-25/27, ORIENTAL HOUSE, ASAF ALI ROAD, NEW DELHI-110002.

(Through: Mr. Bhupesh Kumar Chandna, Advocate)

…Appellant VERSUS

1. MR. ABHISHEK CHAUHAN, S/O MR. PRADEEP CHAUHAN, R/O 1140, GALI NO. 12, B-BLOCK, BURARI, NEW DELHI-110084.

2. MR. PRADEEP CHAUHAN, R/O 1140, GALI NO. 12, B-BLOCK, BURARI, NEW DELHI-110084.

(Through: Mr. K. S. Rana, Advocate)

…. Respondents CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

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

Present: Mr. Bhupesh Kumar Chandna, counsel for the Appellant appeared through VC.

Mr. Pradeep Chauhan, father of the Appellant.

PER: HON’BLE JUSTICE SANGITA DHINGRA SEHGAL, PRESIDENT JUDGMENT

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

“1. The present complaint has been filed under Section 12 of the Consumer Protection Act, 1986. The brief details of facts, as alleged by the Complainants in the Complaint in hand, are that the Complainants were the policy holder of PNB-Orien