ORIENTAL INSURANCE COMPANY LIMITED Vs. MANJIT KAUR

JUDGEMENT

(1.) THIS appeal has been directed by the OPs -Oriental Insurance Company Limited against order dated 10.1.2005 passed by Consumer Disputes Redressal Forum, Hoshiarpur (for short hereinafter to be referred as District Consumer Forum vide which the complaint of Smt. Manjit Kaur, respondent (complainant) was accepted with costs of Rs. 250 and awarded a compensation of Rs. 2 lacs along with interest @ 12% per annum from the date of repudiation of the claim i.e. 18.10.2001 till payment and besides it, appellant (OPs) were also directed to pay damages of Rs. 5,000 suffered by the complainant.

(2.) BRIEFLY stated the facts are that Sh. Surinder Singh was the husband of Smt. Manjit Kaur, respondent (complainant). He got himself insured with Oriental Insurance Company Limited vide Policy No. 2/853725 dated 21.2.2000, which was valid from 21.2.2000 to 20.2.2001 and the sum insured was Rs. 2 lacs. Smt. Manjit Kaur was his nominee. Sh. Surinder Singh died on 22.1.2001 at Village Miani, Tehsil Dasuya, Distt. Hoshiarpur by fall from the roof.

(3.) IT was next averred that Smt. Manjit Kaur was not in the knowledge that her husband had obtained a policy and when she came to know, she immediately informed Oriental Insurance Company Limited, Azadpur, Delhi vide letter and Oriental Insurance Company Limited vide letter dated 10.7.2001 demanded certain information, which was supplied. However, the Insurance Company rejected the claim vide letter dated 18.10.2001. Alleging deficiency in service, the complaint was filed.