RAM KUMAR AGGARWAL Vs. NATIONAL INSURANCE CO LTD

JUDGEMENT

(1.) Briefly, the facts are that the complainant is a practicing Advocate on taxation side. Financial Consultant and Patent and Trade Mark Attorney and has office at 241, (3rd Floor), Fatehpuri, Chandni Chowk, Delhi-110 006 for the last more than 10 years. He got insured the assets of his office from the Opposite Party vide policy dated 10.2.92 for one year i. e. , from 10.2.92 to 9.2.93 under the burglary policy. He also obtained money insurance policy from 10.2.92 to 9.2.93 from them. Both the policies were got renewed by him w. e. f.10.2.93 for one year.

(2.) On the night intervening 8.10.92 and 9.10.92 a burglary took place by breaking the locks in the Office. The matter was reported to the Police on 9.10.92. It is alleged that cash amounting to Rs.84,549.50 and some other articles were stolen from there. The total loss was of Rs.1,07,480.50 paise.

(3.) It is further alleged that the Opposite Party was informed about the burglary who appointed M/s. V. K. Kharbanda and Associates as Surveyors to assess the loss. They, after making extensive inquiry assessed the loss at Rs.79,525/-, but in spite of repeated requests the Opposite Party has not offered the payment according to the report but offered only a sum of Rs.12,525/-, the price of the television set and some other amount vide their letter dated 27.4.93, which was not acceptable to the complainant. A further amount of Rs.25,000/- has been claimed by him from the Opposite Party as damages for mental agony, harassment etc. Hence the complaint.