UNIVERSAL SOMPO GENERAL INSURANCE CO. LTD. REG. OFFICE UNIT NO. 401, 4TH FLOOR, SANGAM COMPLEX, 127, ANDHERI KURLA ROAD, ANDHERI (E) MUMBAI Vs. CHANDER SINGH & ANR. S/O SHRI HAR CHANDI R/O HOUSE NO.692, VILLAGE CHANDHAT TEHSIL AND DISTRICT PALWAL HARYANA

JUDGEMENT

(1.) - In this case the insured, Sh. Chander Singh, complainant has demanded compensation from the Insurance Company for the theft of his truck. The Revision Petition has been filed by the Universal Sompo General Insurance Co. Ltd. This file runs into 122 pages. However, it is surprising to note that the petitioner has not filed the repudiation letter on the record. The repudiation letter is the most important document and carries infinite value in such like cases. However, the State Commission has quoted some portion of the repudiation letter in its judgment.

(2.) During the subsistence of Insurance Policy, the truck of the complainant was stolen on 12th/13th Feb., 2013. The information was given to the Police Control Room on telephone No. 100. The Police Control Room flashed a V.T. message to all the Station House Officers, In-charge Police Posts and PCRs etc. However, the F.I.R. was recorded on 03.03.2013, i.e., after 20 days. The Police gave the untraced report (Ex.C-4). The extract of the repudiation letter, which finds mention in the order of the State Commission, runs as follows:-

(3.) Both the Fora below have rendered orders in favour of the complainant. The District Forum passed the following directions against the Opposite Party:-