UNIVERSAL SOMPO GENERAL INSURANCE CO LTD Vs. MAA SHANTI CABLE NETWORK & 2 ORS THROUGH ITS PROPRIETOR, SANDEEP KUMAR GUPTA

JUDGEMENT

(1.) Ia/20010/2017 (C/delay)

(2.) It is thus evident that only the saleable items of the network cable and the electric shop of the complainant were covered under the policy taken by him.

(3.) The case of the complainant is that in a fire which broke out on 31.10.2016, the cable control room was completely damaged/burnt. On intimation being given to the insurer, a surveyor was appointed to assess the loss suffered by the complainant. The complainant submitted a claim bill of Rs.3180607/- though the fire coverage was admissible only to the extent of Rs.10 lakhs. The said claim bill covered as many as 15 items including Encoders (8), Trans Modulators (7), Set Top Boxes (200), Decoders (22), RF connectors (100) and Wire (500 meters). The surveyor, on examining the purchase invoices, found that only the Encoders, Trans Modulators and Set Top Boxes had been damaged. Window AC, electric fans and Led TV were not assessed by the surveyor as no cover for FFF had been taken in respect of those articles. The surveyor also found under insurance to the extent of 34% since the value of Encoders, Trans Modulators and Set Top Boxes was more than Rs.15 lakhs. After deduction of depreciation etc., the surveyor found the net loss to be Rs.832108/-. He, however, stated that the damaged items were not covered under the policy, the claim was not admissible and they were closing the same as 'no claim'. Since the claim was not paid, the complainant approached the concerned State Commission by way of a consumer complaint seeking payment of Rs.3180607/-.