IN THE DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION Date of Institution: 21.09.2012 Date of Reserving the order: 15.04.2026 Date of Decision: 23.04.2026 CONSUMER COMPLAINT NO.- 318/2012 IN THE MATTER OF Mr. Bijender S/o Sh. Dhram Singh R/o Village Kanjhawala, Delhi-110034 (Through: Mr. Ashok Tomar, Advocate)

…Complainant VERSUS

1. Bajaj Allianz Insurance Co. Ltd.

Office at:

First Floor, Universal Insurance Building, 2/2A, Asaf Ali Road, New Delhi-110002 (Through: Ms. Suman Bagga, Advocate)

…Opposite Party No. 1

2. Insurance Regulatory and Development Authority Office at:

Gate No. 3, Jeevan Tara Building, First Floor, Sansad Marg, New Delhi-110001 (deleted from array of parties vide order dated 15.01.2016)

…Opposite Party No. 2 CORAM:

HON‟BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

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

Present: None for Complainant Mr. Virender Prabhakar, counsel for Opposite Party No. 1 (through VC).

PER: HON‟BLE MS. BIMLA KUMARI, MEMBER (FEMALE)

JUDGMENT

1. Brief facts of the case are that the Complainant is an uneducated person and the owner of “JCB Excavator JS200,” (hereinafter referred as JCB) which he gave on rent to contractor for earning his livelihood. The