BALAMURUGAN AUTOMOBILES Vs. UNITED INDIA INSURANCE CO. LTD.

JUDGEMENT

(1.) The complainant is an authorized dealer for sales, service and spares of two wheelers, three wheelers and other vehicles manufactured by M/s. TVS Motors.

(2.) The complainant contends that it is running its main showroom establishment at 93/3, New Bye Pass Road, Vellore. It also has its additional establishments including one at 63/1 and 63/B in Kakithattadai on Arcot Road in Vellore and two other premises within the establishment run by the complainant namely at 7-A, Railway Station Road, Ranipet and the other at S.R.R. Thirumana Mahal Complex, Ocheri.

(3.) In order to secure its business the complainant proposed and obtained a Standard Fire and Special Peril Policy from the opposite party (United India Insurance Company Limited). A copy of the proposal form has been brought on record by the Insurance Company annexed at page 23 of the written statement. It is relevant to note that the said proposal form submitted by the complainant has neither been denied nor contradicted. The said proposal form was submitted in the year 2009 against which a policy was issued effective from 22/4/2009 to 21/4/2010. The said policy is also not disputed. The description of the property insured has been referred to as per the schedule attached to the policy.