NEW INDIA ASSURANCE CO. LTD Vs. DESIGN SANGRAH

JUDGEMENT

(1.) The present First Appeal has been filed under Sec. 19 of the Consumer Protection Act, 1986 (hereinafter referred to as 'the Act') against the Order dtd. 27/2/2018 passed by the learned State Consumer Disputes Redressal Commission, Delhi (hereinafter referred as 'the State Commission'), in Consumer Complaint No. 28 of 2011, wherein the Complaint filed by the Complainant (Respondent herein) was dismissed.

(2.) For the sake of Convenience, the parties in the present Appeal being referred to as mentioned in the Complaint before the State Commission. The Complainant 'M/s The Design Sangrah' is a Proprietorship firm engaged in the business of production of garments. While the "The New India Assurance Company Ltd.' is referred to as the Opposite Party/Insurer (OP in short) in the case.

(3.) Brief relevant facts of the case as per the Complainant are that the Complainant firm obtained three insurance policies from OP/Insurer. Policies were known as 'Standard Fire' and 'Special Perils Policy'. The 1st policy covered the building for Rs.41,00,000.00 and the plant, machinery and accessories for Rs.2,70,000.00, valid from 30/12/2006 to 29/12/2007. The 2nd policy covered stocks for Rs.45,00,000,.00 valid from 9/2/2007 to 8/2/2008. The 3rd policy was to cover the risk of pressing tables and sewing machines for Rs.2,00,000.00 and was valid from 10/4/2007 to 9/4/2008.