RAJ RANI Vs. UNITED INDIA INSURANCE CO LTD

JUDGEMENT

(1.) The revision petitioner Mrs. Raj Rani, Proprietor of Sujan Jewellers, Ambala has challenged the decision of the Haryana State Consumer Disputes Redressal Commission in FA No.1183 of 2010. The petitioner was the Complainant before District Forum, Ambala. Her consumer complaint related to an insurance claim under a Jewellers Block Insurance Policy, which was repudiated by the respondent United India Insurance Co Ltd. But, her consumer complaint was allowed by the District Forum. However, the appeal of the respondent /united India Insurance Co. was partly allowed by the State Commission by reducing the awarded amount from Rs.4,47,940/- to Rs.2,00,000/- . The Complainant has now filed this revision petition seeking restoration of the order of the District Forum.

(2.) The revision petition has been filed with a delay of 71 days, which has been explained in an application filed by the petitioner, seeking its condonation. Considering the explanation, the delay has been condoned and the matter taken up for consideration on merits.

(3.) The case of the Complainant before the District Forum was that her business of Gold Smithy and Jewellery was insured under a Jewellers Block Insurance Policy taken w.e.f. 8.11.2007 for a sum of Rs.7,00,000/-. This comprised the property in the display windows to the extent of Rs.2,00,000/- and property locked in the safe to the extent of Rs.5,00,000/-. The protection under the policy was against fire, explosion, lightning, burglary and theft. As per the consumer complaint:-