ORIENTAL INSURANCE COMPANY LIMITED Vs. RAM LAL

JUDGEMENT

(1.) This is an appeal against the judgment and order dated 31.5.2001 passed by District Consumer Forum, Sultanpur in Complaint Case No.322/1998.

(2.) The facts of the case stated in brief are that the complainant had purchased a she-buffalo after taking loan from Bank of Baroda, Gauriganj, Sultanpur under the I. R. D. P. Scheme which was insured with the Oriental Insurance Company Limited from 4.11.1995 to 3.11.1999. This she-buffalo suddenly died on 8.3.1998. The complainant put up a claim with necessary papers to the Insurance Company which was repudiated by letter dated 20.5.1998. The complainant filed this claim for recovery of the amount of the Insurance.

(3.) The opposite party in its written version has alleged that the she-buffalo was ill from the last four days and no treatment was given by the complainant. According to the terms of the policy, it is the duty of the complainant to get she-buffalo treated and as the treatment was not given, the policy was repudiated.