SPORTKING SYNTHETICS Vs. UNITED INDIA INSURANCE CO LTD

JUDGEMENT

(1.) The present consumer complaint has been filed by Sportking Synthetics against the opposite party - United India Insurance Co. Ltd., and Anr. (in short, 'the insurance company').

(2.) The brief facts relevant for the disposal of the present complaint are that the complainant took three policies from the opposite party insurance company (i) the first policy was for a sum of Rs.50,00,00,000/- vide policy no.200700/11/09/11/00000019 valid from 01.04.2009 to 31.03.2010; (ii) the second policy was for a sum of Rs.205,50,00,000/- vide policy no. 200700/11/09/11/00000020 valid from 01.04.2009 to 31.03.2010; and (iii) the third policy for a sum of Rs.60,00,00,000/- vide policy no. 200700/11/09/07/00000026 valid from 01.04.2009 to 31.03.2010.

(3.) On 27th June 2009, at about 11.30 p m Shri Mohinder Singh Yadav, Finishing Supervisor who was on night duty, during routine checking, when he reached near the packing section gate, he found fire flames in the packing section. He immediately called few workers and with the help of fire extinguishers tried to control the fire. Security was also informed at the factory gate about the fire. The fire was uncontrollable and it spread to adjoining finished goods godown and stores godown. Within no time the fire took a serious magnitude and the entire packing section, finished goods godown and stores godown were involved in fire. Senior officers of the management were also informed and meanwhile fire tenders also reached the premises to control the fire. Finally the fire could be controlled in around 3 hours' time. Complainant reported the incident of fire to the police station Sahnewal. Fire department was also informed which took necessary steps. The fire department subsequently issued a fire report and was paid a sum of Rs.7600/- with regard to their charges. Complainant filed the claim form with the opposite party insurance company giving the details of the loss suffered by them for Rs.3,36,02,215/-.