NATIONAL INSURANCE COMPANY LIMITED Vs. DEEPIKA VERMA

JUDGEMENT

(1.) FEELING aggrieved of the impugned order dated 17.5.2005 passed by the District Forum, the appellant Insurance Company has been directed to pay Rs. 8,700 towards the cost of mobile set, insured with appellant Company which was allegedly kept in her purse and the purse was taken away by some miscreants when she was in the market and Rs. 2,000 as compensation and Rs. 500 as cost of litigation, the appellant has directed this appeal.

(2.) ADMITTEDLY the respondent purchased a GSM mobile model No. Nokia 6610 for Rs. 8,700 from respondent No. 2 and got it insured with the appellant under the Special Policy No. 351700/46039500324 named as HCL Safeguard Nokia GSM mobile handset insurance cover. According to the respondent she was coming from the college when somebody snatched her purse and ran away. She immediately reported the matter to the P.S. Roop Nagar, District North Delhi and registered her insurance claim with the appellant along with original bill of purchase of the mobile.

(3.) THE claim of the respondent was repudiated by the appellant on the ground that the respondent had changed her statement time and again inasmuch as at first instance she stated that the mobile was taken by somebody while she was buying some articles from the shop and secondly she stated that somebody snatched the purse which contained the mobile when she was going in the market which was busy market. These two varying statements persuaded the appellant to reject the claim of the respondent by disbelieving her version that the mobile was ever stolen or taken away.