NEW INDIA INSURANCE COMPANY Vs. SACHIN BHARDWAJ

JUDGEMENT

(1.) This revision petition is directed against the order dated 24.03.2008 of the Delhi State Consumer Disputes Redressal Commission, Delhi (in short, 'the State Commission') in First Appeal no. 68 of 2008. By this order, the State Commission dismissed the appeal filed by the petitioner against the order dated 29.11.2007 of the District Consumer Disputes Redressal Forum (Central), Delhi (in short, 'the District Forum') in complaint case no. 543 of 2006 by which, the District Forum, in turn, had allowed the complaint of the complainant/respondent and directed the petitioner (which was the opposite party OP before the District Forum) to pay Rs.2,48,500/- towards the insurance claim of the respondent/complainant along with interest @ 9% per annum from29.03.2006 (date of filing of the complaint), compensation of Rs.5,000/- and cost of Rs.2,000/- within sixty days from the date of the order. Thus, the petitioner is before us against the concurrent orders of the two Fora below.

(2.) (i) The undisputed facts are that in September 2004, the respondent/complainant obtained a Householders insurance policy and a Vyavasayi/Adhikari Suraksha Kavach policy, based on pre-insurance inspection of the household articles like clothing, kitchenware/crockery/cutlery, furniture and fixtures, miscellaneous house-hold items, electrical/mechanical appliances, articles of personal use, jewellery and electronic goods. The sums insured for different categories of goods were different, including Rs.2,68,000/- covering all risks for jewellery and other valuables under the Householders policy and Rs.6,000/- for a mobile hand phone set under the Vyavasayi/Adhikari Suraksha Kavach policy.

(3.) Aggrieved by the repudiation, the insured filed a consumer complaint before the District Forum, which allowed the complaint as summarised above and the petitioner's appeal against the said order was also dismissed by the State Commission.