NEERAJ NAGPAL Vs. NATIONAL INSURANCE COMPANY LIMITED

JUDGEMENT

(1.) This appeal has been directed by the complainant against order dated 8.6.2005 passed by the Consumer Disputes Redressal Forum-I, U. T. , Chandigarh (hereinafter to be referred as District Forum), vide which is his complaint was dismissed, being devoid of merits.

(2.) Briefly stated the facts are that the appellant had taken a household goods policy bearing cover note/policy No.1000216 dated 27.11.2001 effective from 27.11.2001 to 26.11.2002 from the respondent, copy of which is Annexure C-1.

(3.) It was next averred that on the morning of 26.6.2002, the appellant had visited State Bank of Patiala, Sector-38-C, Chandigarh for operating his bank locker and to bring few gold/diamond jewellery including one gent's gold ring bearing three diamonds of the value of Rs.39,500 and one lady's ring containing 22 diamonds of the value of Rs.14,500 and a pair of ear rings. The aggregate value of all the three ornaments was Rs.54,000. He had put these ornaments in a hand bag which also contained registration certificate of his scooter, keys, cheques and other documents. He had tucked the hand bag in hook attached to the scooter and then locked it. He went to see his friend Mr. J. S. Bagga, Advocate in Sector 44, Chandigarh regarding some work. When he reached there, he found his hand bag missing. He searched the hand bag but could not trace it. He lodged DDR with the Police Station, Sector 34, Chandigarh on 27.6.2002, copy of which is Annexure C-2.