ENGINEERS INDIA LTD Vs. NATIONAL INSURANCE COMPANY LTD.

JUDGEMENT

(1.) The appellant/complainant obtained an insurance policy from respondent no.1 for the period from 01.01.1998 to 31.12.1998 which was later extended upto 30.06.1999. A claim under the said policy was lodged by the complainant with respondent no.1 on 28.06.1999. Though a surveyor was appointed by the insurer to examine the claim, the same was repudiated by the insurer vide letter dated 15.01.2003 which, to the extent, it is relevant, reads as under:

(2.) Instead of approaching a Court or a Consumer Forum for the redressal of its grievance, the appellant/complainant wrote a letter dated 30.01.2003 to the insurer seeking a dialogue with them alongwith its client M/s Indian Oil Corporation. No such discussion however, was held. A detailed letter dated 19.02.2003 was then sent by the complainant/appellant to the insurer seeking re-imbursement of the claim on merits. The insurer, vide letter dated 08.05.0003, sent by its Head Office informed the complainant that they were referring the matter to Delhi Regional Office, to take appropriate action, for redressal of the grievance on merits. However, Delhi Office did not respond before 20.09.2006 when it informed the complainant/appellant as under:

(3.) This was followed by a letter dated 25.09.2006, which to the extent, it is relevant, reads as under: