The complainants/petitioners who are traders in Tendu Leaves, had taken two insurance policies each from the respondent National Insurance Company Ltd. A fire allegedly broke out in the godown of the complainants/petitioners where Tendu leaves were stored by them. On the intimation of the loss having been given to the insurer, a surveyor was appointed to assess the loss to the complainants. Out of the two policies taken by each of the complainants, one policy was taken by them to secure the interest of the Forest Department, whereas the second policy was taken through the bank from which credit facility had been obtained by the complainants against hypothecation of Tendu leaves stock.

2. In the Consumer Complaint subject matter of RP No.2771 of 2017, the insurer made an initial payment of Rs.