SHRIRAM GENERAL INSURANCE COMPANY LIMITED Vs. MANOJ

JUDGEMENT

(1.) SHRIRAM General Insurance Company Limited is in appeal against the order dated April 15th, 2014 passed by District Consumer Disputes Redressal Forum (for short District Forum), Jhajjar. Manoj -complainant (respondent) got his motorcycle bearing Registration No. HR -14F -3331 insured with Shriram General Insurance Company Limited -opposite party (appellant, hereinafter referred as Insurance Company) for the period from September 24th, 2010 to September 23rd, 2011. The Insured Declared Value (for short IDV) of the vehicle was Rs. 32,000. The vehicle was stolen on August 20th, 2011 when it was parked in the area of Fire Brigade Office at Palwal. F.I.R. No. 327 under Section 379, I.P.C. was registered in Police Station, City Palwal on August 31st, 2011. The information was given to the appellant - Insurance Company. The insurer did not pay the insurance benefits to the respondent - complainant. Hence, the complaint.

(2.) THE appellant -opposite party contested the complaint by filing written statement and denied the averments made in the complaint. It was stated that there was delay of eleven days in lodging the F.I.R. and delay of 33 days in giving intimation to the Insurance Company and therefore complainant's claim was repudiated because of violation of the terms and conditions of the Insurance Policy.

(3.) THE solitary submission of the learned Counsel for the appellant is that the F.I.R. was lodged with the police after a period of 11 days and intimation was given to the Insurance Company after 33 days and since the respondent -complainant violated the terms and conditions of the Insurance Policy, he was not entitled for the benefits of insurance.