State Consumer Disputes Redressal Commission
M/S Sajan Traders vs National Insurance Co.Ltd. on 4 May, 2018
NRrhlx<+ jkT;
miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj vihy Øekad% FA/2018/171 lafLFkr fnukad: 11.04.2018 esllZ lktu VsªMlZ] ikW;y dkEiysDl] t;LraHk pkSd ] jktukanxkao ¼N-x-½ }kjk&enuyky uoykuh izksijkbZVj -------- vihykFkhZ@ifjoknh-
fo:} us'kuy ba';ksjsal daiuh fyfeVsM 'kk[kk dk;kZy; jktukanxkao] dkeBh ykbZu jktukanxkao ¼N-x-½ }kjk 'kk[kk izca/kd ------------ mRrjoknh@vukosnd-
vihy Øekad% FA/2018/214 lafLFkr fnukad: 11.04.2018 us'kuy ba';ksjsal daiuh fyfeVsM }kjk&'kk[kk dk;kZy;] dkeBh ykbZu jktukanxkao ¼N-x-½ LFkkuh; irk&izca/kd] {ks=h; dk;kZy;] ekschu egy] th- bZ- jksM] iksLV rglhy o ftyk jk;iqj ¼N-x-½ ------------ vihykFkhZ@vukosnd-
fo:) esllZ lktu VsªMlZ] }kjk&izksijkbZVj&enuyky uoykuh irk&tekr[kkuk ds lkeus] tquhgVjh] jktukanxkao iksLV] rglhy o ftyk jktukanxkao ¼N-x-½ --------mRrjoknh @ifjoknh- le{k% ekuuh; U;k;ewfrZ Jh vkj- ,l-'kekZ] v/;{k-
ekuuh; Jh Mh-ds-iksn~nkj] lnL; -
ekuuh;k Jhefr :fp xks;y lnL; -
i{kdkjksa ds vf/koDrk ifjoknh dh vksj ls Jh vkuan dqekj xqIrk] vf/koDrk A vukosnd dh vksj ls Jh ih- ds- ikWy] vf/koDRkk A // 2 // vkns'k fnukad& 04@05@2018 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihy Øekad&FA/2018/171 ifjoknh esllZ lktu VsªMlZ rFkk vihy Øekad&FA/2018/214 vukosnd us'kuy ba';ksjsal daiuh fyfeVsM us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] jktukanxkao ¼N0x0½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k Øekad&20@2017 esa ikfjr vkns'k fnukad&05-02-2018 ftlds }kjk ifjoknh ds ifjokn dks Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS%& **1- vkns'k fnukad ls 1 ekg ds Hkhrj vukosnd chek daiuh ifjoknh dks {kfriwfrZ :-1]90]000@&¼,d yk[k uCcs gtkj :i,½ ,oa mDr jkf'k ij ifjokn izLrqfr fnukad&20- 01-2017 ls Hkqxrku frfFk rd 6 izfr'kr okf"kZd dh nj ls C;kt lfgr Hkqxrku djsxk A 2- {kfriwfrZ jkf'k dk Hkqxrku fofgr le;kof/k vFkkZr ,d ekg ds Hkhrj ugha fd;s tkus ij mijksDr {kfriwfrZ jkf'k ij vkns'k fnukad ls olwyh frfFk rd 9 izfr'kr okf"kZd dh nj ls C;kt ns; gksxk A 3- vkns'k fnukad ls 1 ekg ds Hkhrj vukosnd chek daiuh ifjoknh dks ekufld {kfriwfrZ ds en esa :-
10]000@& ¼nl gtkj :i,½ rFkk okn O;; ds :i esa :-
2000@& ¼nks gtkj :i,½ dk Hkqxrku djsxkA** ls nqf[kr gksdj izLrqr fd;k gSA 02- pwafd vihy Øekad&FA/2018/171 ,oa vihy Øekad&FA/2018/214 ,d gh vkyksP; vkns'k fnukad&05-02-2018 ls mn~Hkwr gq, gSa] vr% budk // 3 // fujkdj.k bl ,d gh vkns'k }kjk fd;k tk jgk gSA ewy vkns'k vihy Øekad FA/2018/171 esa ,oa vkns'k dh izfr vihy Øekad&FA/2018/214 esa layXu dh tkos A 03- ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd ifjoknh }kjk vukosnd ls nqdkunkjksa dh chek ikWfylh (SHOPKEEPERS INSURANCE) izkIr dh xbZ Fkh ftldk ikWfylh Øekad- 285202/48/14/9800000064 Fkh rFkk ftldh oS/krk fnukad&27@05@2014 ls ysdj fnukad&26-05-2015 rd dh FkhA mDr chek ikWfylh gsrq ifjoknh }kjk vukosnd dks chek fizfe;e dh jkf'k&8]439@&¼vkB gtkj pkj lkS mupkyhl :i,½ ,oa lsokdj dh jkf'k&1]043@&¼,d gtkj frjkyhl :i,½ dqy 9]482@&¼ukS gtkj pkj lkS c;klh :i,½ dk Hkqxrku fd;k x;k FkkA chek ikWfylh ds varxZr Section 1 (A) -Fire & Allied Perils: Building of class A Construction only-sum insured Rs 10,00000/- , Section 1 (B) - Fire & Allied Perils : Contents, excluding Money & Valuables but including Furniture, Fixtures, Fittings & Stock in Trade- sum insured Rs 29,00,000/-, Section-2 Burglary, House Breaking : All contents in the shop premises stated at the above address- Sum Insured Rs 29,00,000/-, Section 3 (A) - Money Insurance: In transit (Not exceeding Rs. 1,00,000/- per carrying) - Sum Insured Rs. 1,06,000/-, Section 3(C)- Money Insurance: In till/counter -Sum Insured Rs. 50,000/-, Section 5- Plate Glass- Sum Insured Rs. 1,000/-, Section 6- Neon & Glow Sign: Including theft of the whole sign- Sum Insured Rs. 1,000/-, Section 7- Baggage Insurance:- Sum Insured Rs. 1,000/-, Section 9- Fidelity Guarantee: Excluding salesman & Commission // 4 // Agent- Sum Insured Rs.1,000/-, Section 10- Public Liability:- Sum Insured Rs. 25,000/- bR;kfn dk chek fd;k x;k FkkA mDr chek fizfe;e ds izfrQy esa vukosnd }kjk ifjoknh ls ;g djkj fd;k x;k Fkk fd mDr chek dh vof/k ds nkSjku fdlh Hkh le; chek ikWfylh esa of.kZr laifRr dks dksbZ gkfu ;k {kfr gksrh gS rks vukosnd chek daiuh ,slh gkfu vFkok {kfr dh jde dh vnk;xh djsxhA fnukad&21&22@07@2014 dh njE;kuh jkr dks vR;f/kd o"kkZ gksus ds dkj.k ifjoknh dh nqdku esa ikuh Hkj tkus ds dkj.k ls ifjoknh ds nqdku esa j[ks LVkWd xqM~l tSls & tujy xqM~l] esagnh&100 iqM+s ds 05 dkVqZu 40]000@&¼pkyhl gtkj :i,½] dkih 100 ihl ds 15 caMy 60]000@&¼lkB gtkj :i,½] rkyk 500 ihl 50]000@&¼ipkl gtkj :i,½] ykbZVj iRFkj 30 iqM+k 90]000@&¼uCcs gtkj :i,½] lSyks Vsi o fctyh Vsi 3 dkVwZu 21]000@&¼bDdhl gtkj :i,½] isu&300 ihl ds 3 dkVZqu 12]000@& ¼ckjg gtkj :i,½] VwFkcz'k 200 iRrk 3]600@&¼rhu gtkj N% lkS :i,½] bejtsalh VkpZ 100 ihl ds 7 dkVwZu 84]000@&¼pkSjklh gtkj :i,½ ,oa QSalh ,oa fx¶V vk;Ve&fnoky ?kM+h 50 ihl 12500@&¼ckjg gtkj ikap lkS :i,½ gSaM okp 80 ihl ds 15 fMCcs 2]40]000@&¼nks yk[k pkyhl gtkj :i,½ fx¶V ewfrZ 1000 ihl 60]000@&¼lkB gtkj :i,½ lsUV 4 dkVqZu 24]000@&¼pkSchl gtkj :i,½ dqy&6]97]100@& ¼N% yk[k laRkkucs gtkj ,d lkS :i,½ o nqdku esa j[ks vU; eky o rRi'pkr~ nhed yxus ls QuhZpj dks uqdlkuh gqbZA mDr laca/k esa lwpuk ifjoknh ds }kjk fnukad&22-07-2014 dks chek daiuh o Fkkus dks nh x;hA // 5 // lwpuk ds vk/kkj ij chek daiuh ds }kjk fgrs'k dqekj fprkfy;k ¼ba';ksjsal losZ;j ykWl vlslj ,oa osY;woj½ dks uqdlku dk vkadyu djus ds fy, losZ;j fu;qDr fd;k x;kA losZ;j fgrs'k dqekj fprkfy;k fnukad&23-07-
2014 dks losZ ds fy, ifjoknh dh nqdku esa vk;s FksA losZ ds nkSjku ifjoknh }kjk Jh fprkfy;k dks crk;k x;k fd jkst dh rjg fnukad&21- 07-2014 dks ifjoknh Nr dh ukyh dks ns[kdj vkSj lkQ djds vius ?kj x;k FkkA fnukad&21-07-2014 ,oa 22-07-2014 dh njE;kuh jkr dks yxkrkj Hkkjh o"kkZ gqbZ Fkh] ftlls Nr ls ikuh uhps nqdku esa vk x;k vkSj mlls nqdku dk LVkWd fxyk gksus ds dkj.k [kjkc gks x;kA jkst dh rjg lqcg 9-30 cts ifjoknh nqdku igaqpk rc ifjoknh us ns[kk rks nqdku esa ikuh vk tkus ls LVkd dk uqdlku gqvk gSA losZ;j us ifjoknh dks fnukad&23-07-2014 dks fofHkUu nLrkostksa dh ekax dk i= fnukad&24-07- 2014 vafdr dj iznku fd;k x;k FkkA losZ;j us ifjoknh dks i= fnukad&25-07-2014 dks izsf"kr dj ifjoknh dk nkok fujLr dj fn;kA ifjoknh dks izkIr tkudkjh ds vuqlkj ] losZ;j dks nkok dks Lohd`r vFkok vLohd`r djus dk vf/kdkj izkIr ugha gSA ifjoknh }kjk losZ;j dks Hksts x;s mDr i= fnukad&19-08-2014 dh izfr chek daiuh dks Hkh nh x;hA rRi'pkr~ vukosnd }kjk i= fnukad&27-02-2015 ds }kjk ifjoknh dk nkok fujLr dj fn;k x;k ] tks fd vuqfpr gS ] tcfd mDr izdkj dh uqdlkuh chek ikWfylh ds rgr~ doMZ gSA vukosnd dk fof/kd nkf;Ro gS fd og chek vof/k esa gqbZ uqdlkuh dh jkf'k 7]50]720@&¼lkr yk[k ipkl gtkj lkr lkS chl :i,½ dk Hkqxrku djsaA chek vof/k esa // 6 // gq, uqdlkuh dh jkf'k 7]50]720@&¼lkr yk[k ipkl gtkj lkr lkS chl :i,½ dk Hkqxrku djsa fdUrq uqdlkuh dh jkf'k dk Hkqxrku u dj vukosnd us lsok esa deh dh gS ftlds dkj.k ifjoknh dks ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 04- vukosnd dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd vukosnd dh vksj ls ifjoknh ds nkos ds fujkdj.k gsrq ba';ks- losZ;j ykWl vlslj ,oa oSywoj fgrs'k dqekj fprkfy;k dks uqdlkuh ds laca/k esa tkap gsrq dgk x;k Fkk ftl ij muds }kjk ifjoknh ds uqdlku ls lacaf/kr okLrfod rF;ksa dh tkudkjh izkIr dh xbZA ifjoknh ds }kjk fn;s x;s dFkuksa ,oa foLr`r tkap izfrosnu ds vk/kkj ij ;g Li"V Fkk fd ifjoknh ds nqdku esa {kfr nqdku ds uhps ukyh esa ikuh Hkj tkus ds dkj.k gqbZA bl laca/k esa Loa; ifjoknh ds }kjk fn;s x;s dFkuksa ,oa foLr`r tkap izfrosnu ds vk/kkj ij ;g Li"V Fkk fd ifjoknh ds nqdku esa {kfr nqdku ds uhps ukyh esa ikuh Hkj tkus ds dkj.k gqbZA bl laca/k esa Loa; ifjoknh ds }kjk viuk dFku LosPNkiwoZd fcuk fdlh Mj vFkok ncko ds ba';ksjsal losZ;j ,.M ykWl vlslj fgrs'k dqekj fprkfy;k dks fnukad&23-07-2014 dks fn;k ftlesa mUgksaus ;g dFku fd;k gS fd ^^eSa enuyky uoykuh fi- Lo-ltuey uoykuh fuoklh jktukanxkao 'kiFkiwoZd dFku djrk gwa fd fnukad&21@07@14&22@07@2014 njE;kuh jkr esa rst o"kkZ yxkrkj // 7 // gksus ls esjh nqeaftyk nqdku dh Nr esa esjh tks futh Mªsust ¼ukyh½ ikuh ds fudklh vo:) gks x;h ftlesa ckfj'k dk ikuh nqdku ds vanj ?kql x;k vkSj lh<+h ds cktw esa j[ks tujy xqM~l ds LVkWd dks izHkkfor dj x;kA** bl izdkj Lo;a ifjoknh ds }kjk losZ;j dks tkap ds nkSjku nh xbZ tkudkjh ds vk/kkj ij ifjoknh dk nkok chek ikWfylh ds varxZr vkofjr tksf[ke dh ifjf/k esa u vkus ds dkj.k mlds nkos dks uks Dyse djrs gq, mldh fof/kor~ lwpuk fnukad&27-03-2015 dks vukosnd chek daiuh ds }kjk jftLVMZ Mkd ls izsf"kr dh xbZ Fkh ftlesa Hkh Li"V :i ls ifjoknh ds nkos dks fujLr fd;s tkus dk foLr`r dkj.k nf'kZr fd;k x;k FkkA bl izdkj vukosnd chek daiuh ds }kjk ifjoknh ds nkos ds laca/k esa ba';ks losZ;j ykWl ,lslj ,.M oSysoj fgrs'k dqekj fprkfy;k ls tkap djokus ds mijkar mlds nkos dks chek 'krksZa ds v/khu tksf[ke vkofjr u gksus ds vk/kkj ij uks&Dyse dj fdlh Hkh izdkj ls lsok esa deh ugha dh xbZ gSA ifjoknh ds }kjk vukosnd chek daiuh dks izsf"kr i= fnukad&14- 03-2016 dk vukosnd chek daiuh dh vksj ls fnukad&30-04-2016 dks tokc izsf"kr fd;k x;kA bl izdkj bl vukosnd ds }kjk ifjoknh ds izfr fdlh Hkh izdkj ls lsok esa deh ugha dh xbZ gSA ifjoknh ds }kjk tks ifjokn lafLFkr fd;k x;k gS og izpyu;ksX; ugha gSA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 05- ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k chek ikWfylh dh ewy izfr] ifjoknh }kjk vukosnd chek daiuh dks fnukad&22-07-2014 dks nh x;h lwpuk dh ewy izfr] Fkkuk izHkkjh] flVh // 8 // dksrokyh jktukanxkao dks fnukad&22-07-2014 dks nh x;h lwpuk dh ewy izfr] Fkkuk izHkkjh flVh dksrokyh jktukanxkao }kjk /kkjk&155 na- iz- la- ds rgr~ iqfyl gLr{ksi &v;ksX; vijk/k dh lwpuk Øekad&166@14 fnukad&22-07-2014 ds i= dh ewy izfr] losZ;j fgrs'k dqekj fprkfy;k }kjk ifjoknh dks fnukad&23-07-2014 dks fn;s x;s i= fnukad&24-07- 2014 dh ewy izfr, losZ;j fgrs'k dqekj fprkfy;k }kjk ifjoknh dks izsf"kr i= fnukad&25-07-2014 dh ewy izfr] ifjoknh }kjk losZ;j fgrs'k dqekj fprkfy;k dks iathd`r Mkd ,oa e/kqj dksfj;j ds ek/;e ls izsf"kr i= fnukad&19-08-2014 lg jftLVªh jlhn] ikorh ,oa e/kqj dksfj;j dh jlhn dh ewyizfr] vukosnd chek daiuh }kjk ifjoknh dks izsf"kr nkok fujLrh dh lwpuk fnukad&27-02-2015 dh ewy izfr] ifjoknh vukosnd chek daiuh dks izsf"kr i= fnukad&14-03-2015 dh ewy izfr] vukosnd chek daiuh }kjk vf/koDrk ds ek/;e ls izsf"kr djk;s x;s i= fnukad&30- 04-2016 dh ewy izfr dks izLrqr fd;k x;k gS A 06- vukosnd dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k uqdlku dk fooj.k fnukad&23-07-2014 dh Nk;kizfr] lcsjk ladsr isij dfVax fnukad&23-07-2014 dh izekf.kr izfr] nqdkunkjksa dh chek ikWfylh dafM'ku fnukad&23-07-2014 dh ewy izfr ,oa pkVZM vdkmaVsaV dk cSysal 'khV o"kZ 31 ekpZ 2015 dh ewy izfr dks izLrqr fd;k x;k gSA 07- ftyk Qksje us mHk;&i{k dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu Ik'pkr~ ifjoknh ds ifjokn dks Lohdkj // 9 // djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS] ftlds fo:) ;g vihy gSA 08- vihy dzeakd&,Q,@2018@214 tks fd vukosnd us'kuy ba';ksjsal daiuh fyfeVsM dh vksj ls lafLFkr fd;k x;k gS] esa vukosnd dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ih- ds- ikWy dk rdZ gS fd ftyk Qksje dk vkns'k =qfViw.kZ gSA vukosnd }kjk losZ;j fu;qDr fd;k x;k Fkk vkSj losZ;j us LFky fujh{k.k fd;k Fkk vkSj losZ;j }kjk fyf[kr esa fn;k x;k Fkk fd nqdku ds Nr esa tks fu/kkZfjr Mªsust ¼ukyh½ gS og vo:} gks x;k Fkk ftlds dkj.k ls cjlkr dk ikuh lh<+h ls nqdku esa izos'k fd;k Fkk vkSj LVkWd izHkkfor gqvk FkkA mDr {kfr ifjoknh ds Lo;a dh ykijokgh ds dkj.k gqvk Fkk D;ksafd Mªsust flLVe dh lkQ&lQkbZ ugha fd;k x;k Fkk ftlds dkj.k Nr esa ikuh tek gqvk Fkk vkSj tks {kfr gS og o"kkZ ds lSykc ls mRiUu ugha gqvk Fkk vfirq Msªust ¼ukyh½ ds pksd gksus ls gqvk Fkk vkSj blfy, ikWfylh 'krksZa ds v/khu ugha vkrk gS vkSj chek daiuh us mfpr :Ik ls nkos dks vLohdkj fd;k gS] ijUrq ftyk Qksje us bu lc rF;ksa dks vuns[kk djrs gq, vkns'k ikfjr fd;k gS tks fd =qfViw.kZ gSA vr% vukosnd dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA vukosnd us vius rdZ ds leFkZu esa Ind-Swift Limited Vs. United India Insurance Company Limited & Anr. I (2016) CPJ 360 )NC), V. Ramlingam Vs. United India Insurance Co. Ltd. & Ors. II (2016) CPJ 341 (NC), National Insurance Co. Ltd. Vs. Sri Chakravarthi Enterprises I // 10 // (2012) CPJ 344 (NC), Chemshel Enterprises Pvt. Ltd. Vs. National Insurance Company Ltd. & Anr. IV (2011) CPJ 188 (NC) dk voyacu fy;k gSA 09- vihy dzekad&,Q,@2018@171 tks fd ifjoknh esllZ lktu VsªMlZ dh vksj ls lafLFkr fd;k x;k gS] esa ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh vkuan dqekj xqIrk dk rdZ gS fd ftyk Qksje dk vkns'k fof/k lEer ikfjr vkns'k gSA ifjoknh us vukosnd ls 'kkWi dhij ba';ksjsal ikWfylh izkIr fd;k Fkk tks fd fnukad&27-05-2014 ls 26-05-2015 dh vof/k ds fy, oS/k Fkk vkSj ftlds laca/k esa dqy izhfe;e jkf'k&9]482@&¼ukS gtkj pkj lkS c;klh :Ik;s½ dk Hkqxrku fd;k x;k FkkA fnukad 21 ,oa 22 tqykbZ 2014 dh njE;kuh jkr dks vR;f/kd o"kkZ gksus ds dkj.k ls ifjoknh dh nqdku esa ikuh Hkj x;k vkSj ftlds dkj.k ls ifjoknh dh nqdku esa j[kh gqbZ laifRr dks uqdlku dkfjr gqvk FkkA vukosnd }kjk fgrs'k dqekj fprkfy;k dks ykWl vlslj ,oa losZ;j fu;qDr fd;k x;k Fkk vkSj mlds }kjk losZ fd;k x;k Fkk] ijUrq mlus =qfViw.kZ :Ik ls ;g mYysf[kr dj fn;k gS fd ukyh ds vo:} gksus ds dkj.k Nr dk ikuh nqdku esa Hkjk gS tks fd =qfViw.kZ gS rFkk losZ;j dks nkok vLohdkj djus dk dksbZ vf/kdkj ugha gSA losZ;j us vius vf/kdkj {ks= ls ijs tkdj izfrosnu fn;k gS tcfd ifjoknh us fyf[kr fjiksVZ Fkkus esa fd;k Fkk ftlesa Li"V :Ik ls crk;k gS fd vR;f/kd o"kkZ ds dkj.k cjlkr dk ikuh Nr esa Hkj x;k Fkk tks fd nqdku ds vUnj pyk x;k // 11 // ftlls {kfr dkfjr gqvk gS vkSj ifjoknh dks ifjokn&i= esa of.kZr vuqlkj {kfr dkfjr gqvk gS] ijUrq ftyk Qksje us ek= 1]90]000@&¼,d yk[k uCcs gtkj :Ik;s½ {kfr dh jkf'k fnyk;k gS tcfd ifjoknh dks vR;f/kd {kfr gqvk gS vkSj ,slh fLFkfr esa ifjoknh dks ifjokn&i= esa of.kZr vuqlkj gh {kfriwfrZ dh jkf'k fnykbZ tkos vkSj rRlaca/k esa ftyk Qksje ds vkns'k esa la'kks/ku fd;k tkosA 10- geus mHk;i{k ds fo}ku vf/koDrkx.k dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;k x;kA 11- ;g Lohd`r gS fd ifjoknh us vukosnd ls 'kkWi dhij ba';ksjsal ikWfylh izkIr fd;k Fkk tks fd fnukad&27-05-2014 ls 26-05-2015 rd ds fy, oS/k Fkk vkSj bl ikWfylh esa chfer ewY;&10]00]000@&¼nl yk[k :Ik;s½ fu/kkZfjr Fkk vkSj ftlds varxZr LVkWd vkSj lHkh izdkj ds bysfDVªdYl] bysDVªkfuDl] tujy xqM~l] QSalh] fx¶V vkbZVe] ?kM+h] jsMhesV xkjesaV~l] IykfLVd xqM~l vkfn chfer FksA 12- ifjoknh dh vksj ls ;g crk;k x;k gS fd fnukad&21 ,oa 22 tqykbZ 2014 dh njE;kuh jkr dks vR;f/kd o"kkZ gksus ds dkj.k ifjoknh dh nqdku esa ikuh Hkj tkus ls mlds nqdku esa j[ks LVkd xqM~l tSls tujy xqM~l] esganh] 100 iqM+s ds 05 dkVqZu dherh&40]000@&¼pkyhl gtkj :Ik;s½] dkih 100 ihl ds 15 caMy dherh&60]000@&¼lkB gtkj // 12 // :Ik;s½] rkyk 500 ihl dher 50]000@&¼ipkl gtkj :Ik;s½ ykbZVj iRFkj 30 iqM+k dherh 90]000@&¼uCcs gtkj :Ik;s½] lsyks Vsi o fctyh Vsi 3 dkVZqu dherh 21]000@&¼bDdhl gtkj :Ik;s½ isu 300 ihl ds 3 dkVZqu dherh 12]000@&¼ckjg gtkj :Ik;s½ VwFkcz'k 200 iRrk dher 3]600@&¼rhu gtkj N% lkS :Ik;s½] bejtsalh VkpZ 100 ihl ds 7 dkVqZu dherh&84]000@&¼pkSjklh gtkj :Ik;s½ ,oa QSalh ,oa fx¶V vkbZVe] fnoky ?kM+h 50 ihl dherh 12]500@&¼ckjg gtkj ikap lkS :Ik;s½] gSaM okWp 80 ihl ds 15 MCcs 24]000@&¼pkSchl gtkj :Ik;s½] fx¶V ewfrZ 1000 ihl dherh 60]000@&¼lkB gtkj :Ik;s½] lsUV 4 dkVZqu dherh 24]000@&¼pkSchl gtkj :Ik;s½ dqy&6]97]100@&¼N% yk[k larkucs gtkj ,d lkS :Ik;s½ o nqdku esa j[ks vU; eky o nhed yxus ls QuhZpj dks gqbZ uqdlkuh dherh&53]620@&¼frjiu gtkj N% lkS chl :Ik;s½ dqy&7]50]720@&¼lkr yk[k ipkl gtkj lkr lkS chl :Ik;s½ dh {kfr dkfjr gqvk FkkA ifjoknh dh vksj ls fnukad&22-07-2014 dks iqfyl Fkkuk dksrokyh esa lwpuk fn;k x;k vkSj ftlesa ;g crk;k x;k gS fd vR;f/kd o"kkZ gksus ds dkj.k ls Nr dk ikuh nqdku esa Hkj tkus ls nqdku ds lkeku dk uqdlku gks x;k gSA 13- ifjoknh us nLrkost dz-7 dk ,d i= tks fd fgrs'k dqekj fprkfy;k ba';ksjsal losZ;j dks enu yky uoykuh izks- lktu VsªMlZ }kjk fnukad&19-08-2014 dks fy[kk x;k gS] izLrqr fd;k gSA mDr i= esas ifjoknh }kjk ;g crkus dk iz;kl fd;k x;k gS fd **mlus fgrs'k dqekj // 13 // fprkfy;k ds dgus ij ;g fy[kdj fn;k Fkk fd nqdku dh Nr esa tks futh Msªust ¼ukyh½ Fkh esa ikuh dh fudklh vo:} gks tkus ds dkj.k ls nqdku esa ikuh Hkj x;k nqdku esa j[ks tujy xqM~l dk LVkWd [kjkc gks x;kA mijksDr lHkh dFku vkids dgs vuqlkj eSaus fy[ks Fks ftlesa ls ukyh ds vo:} gks tkus okyh ckr xyr gSA** ifjoknh tujy xqM~l] bysfDVªdYl] bysDVªkfuDl] tujy xqM~l] Qsalh] fx¶V vkbZVe] ?kM+h] jsMhesV xkjesaV~l] IykfLVd xqM~l] eksckbZy ,lsljht vkfn dk Fkksd fodzsrk gS vkSj blls Li"V gs fd og cM+k O;olk;h gS vkSj ,slh fLFkfr esa dsoy losZ;j ds dgs vuqlkj og fy[kdj ns ns] ;g Lohdkj ;ksX; ugha gS] vfirq ifjoknh ds gh i= ls ,slk izrhr gksrk gS fd ifjoknh ds Nr dk Msªust ¼ukyh½ ds vo:} gksus ds dkj.k ls Nr dk ikuh nqdku esa Hkjk FkkA vukosnd }kjk fgrs'k dqekj fprkfy;k dks losZ;j ,oa ykWl vlslj fu;qDr fd;k x;k Fkk ftlds }kjk {kfr dk vkadyu 1]90]000@&¼,d yk[k uCcs gtkj :Ik;s½ fd;k x;k gS] ijUrq mlus ;g Hkh mYysf[kr fd;k gS fd ukyh pksd gksus ds dkj.k ls ikuh Hkjk FkkA 14- losZ;j dh fjiksVZ ds lkFk lktu VsªMlZ dk i= fnukad&23-07-2014 ftlesa ?kVuk dk fooj.k fn;k x;k gS vkSj ftl ij enuyky uoykuh dk gLrk{kj gS] layXu gSA mDr i= esa ;g mYysf[kr gS fd **eSa enuyky uoykuh firk Lo- ltuey uoykuh] fuoklh jktukanxkao 'kiFkiwoZd dFku djrk gWaw fd fnukad&21-07-2014&22-07-2014 dh njE;kuh jkr esa rst o"kkZ yxkrkj gksus ls esjh 5 eaftyk nqdku dh Nr esa esjh tks futh // 14 // Msªust ¼ukyh½ ls ikuh dh fudklh vo:} gks xbZ gS ftlls ckfj'k dk ikuh nqdku ds vUnj ?kql x;k vkSj f[kM+dh ds cktw esa j[ks tujy xqM~l ds LVkWd dks izHkkfor dj x;kA ;s LVkd lHkh 5 eafty ij j[ks gq, gSaA** 15- ifjoknh Lo;a us mDr dFku losZ;j ds le{k fn;k gS vkSj ifjoknh }kjk ,slk dksbZ Hkh lk{; izLrqr ugha fd;k gS ftlls ;g izdV gks fd ifjoknh mDr dFku losZ;j fgrs'k dqekj fprkfy;k ds ncko esa vkdj fn;k gSA ifjoknh ,d cM+k O;kikjh gS vkSj ,slh fLFkfr esa dsoy losZ;j ds dgus ls og dksbZ dFku dj ns] Lohdkj ;ksX; ugha gS vkSj bl izdkj Li"V gS fd ifjoknh ds Nr dh ukyh vo:} gksus ds dkj.k ls gh ikuh Hkjk FkkA 16- fgrs'k dqekj fprkfy;k us vius duDywtu esa ;g mYysf[kr fd;k gS fd%& "CONCLUSION:
It is qenuine claim of damages to stock of Fency and general items such as Mehendi, Notebook, Wll clock, Lock, Hand watch, Lighter stone, Gift artivles, Perfumes, Emergency Torch which one water affected its resale value considerably reduced.
But Perils (Cause of Loss) is not in scope of Policy conditions as It couldn't classify as Natural Disaster for which policy issued. This loss can be avoided, if Routine Maintenance specially in Rainy season done by Insured for any choke/block in drainage due to dirt, dust collected on grill of Drainage which caused to accumulation of Rainy water at terrace of the shop and it leaked from gape of Door and Floor and came down during night time and Insured's stock lying in all three story building affected from where it passed.
// 15 // Hence in my opinion the claim is not payble i.e. No any Liability of Insurer against above claim.
I have written a Registered letter to Insured for no any liability of Insurer and no any reply or response recd. From Insured till date.
Hence, Insurer may close/Repudiate the claim."
17- Jh fgrs'k dqekj fprkfy;k us Hkh viuh fjiksVZ esa Li"V :Ik ls crk;k gS fd {kfr dk dkj.k tks Msªust ¼ukyh½ gS og pksd ;k CykWd gks x;k Fkk ftlds dkj.k ls Nr esa ikuh Hkjk Fkk tks fd nqdku ds vUnj izos'k fd;k Fkk tks chek ikWfylh esa vkPNkfnr ugha gSA 18- Ind-Swift Limited Vs. United India Insurance Company Limited & Anr. (Supra) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Consumer Protection Act, 1986- Sections 2 (1) (g), 21 (b)- Insurance- Heavy rains- Seepage of water- Loss suffered- Surveyor appointed- Coverage under policy disputed- Claim repudiated- Alleged deficiency in service- State Commission dismissed complaint- Hence appeal- Seepage has occurred through roof and false-ceiling which cannot be said to have been caused by flooding or inundation- If water was stored over roof due to any defect in building, case cannot be covered under policy- Heavy rains are not mentioned in policy document directly in express terms- Repudiation justified."
19- V. Ramlingam Vs. United India Insurance Co. Ltd. & Ors.
(Supra) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "7. Surveyor appointed by OP mentioned in his report that insured's property is on a well elevated and plain land and the elevation of this land is about 3ft. above the level of this natural drain // 16 // way. He further observed that property for which the loss is claimed does not have flood marks or other water damage marks. It was further observed by him that had there been flooding in complainant's field which was 3ft. above the level; entire village would have been affected. In such circumstances, it cannot be presumed that on account of heavy rains there was flood in complaint's land which caused damage to his irrigation system including pipes, motors and damage to sheds. It was further observed by him that had there been collapse of thatched sheds due to cyclone, there could not have been any growth of vegetation and creepers on the sheds. There is no reason to disbelieve report of surveyor."
20- National Insurance Co. Ltd. Vs. Sri Chakravarthi Enterprises (Supra) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Consumer Protection Act, 1986- Sections 21 (b)- Insurance - Cyclone- Building along with stock, rice bran, empty gunnies damaged- Repudiation of claim- Surveyor appointed- Policy covering risk of fire and other risks for petitioner's rice factory/building taken- Damages incurred due to cyclone- Complaint filed- Dismissed- Appeal before State Commission- Partly allowed and compensation of Rs. 1 lac granted- Hence revision- Surveyor in its reprt clearly mentioned that no loss has been caused to respondent due to cyclone- No stocks were produced by respondent for inspection- Respondent not been able to produce any credible evidence to controvert findings in Surveyor's report- Report of Mandal Revenue Officer does not indicate anywhere that he has given certificate to respondent on basis of inspection conducted by him or his officers- No case made out in respondent's favour, impugned order set aside- Order of District Forum restored- Complaint dismissed."
21- Chemshel Enterprises Pvt. Ltd. Vs. National Insurance Company Ltd. & Anr. (Supra) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& // 17 // "3. As pointed out by the learned Counsel for the respondent, the District Forum has discussed this point in its order dated 11.03.2010. The relevant part of the order is reproduced below: "In his cross- examination the PW 1(complainant deposed that he had no paper to show that the officers of OP2 visited the factor premises before issuance of the policy and that he has no paper to show that there were heavy rains and cyclonic storm and flood in the midnight (sic) of 18.10.2005". In the other words, the sole contention of the learned Counsel for the petitioner/complainant that the repudiation was on an untenable grounds, viz., there were pre-existing defects/lack of maintenance in the building was not supported by any evidence brought on record by the petitioner/complainant before the District Forum."
22- tgka rd losZ;j ds laca/k esa ifjoknh }kjk fd, x, vk{ksi dk laca/k gS] ba';ksjsal losZ;j ,oa ykWl vlslj ¼ykbZlsaflax izksQs'kuy fjDokW;jesaV~l ,.M dksM vkWQ daMDV½ jsxqys'ku] 2000 esa losZ;j ,oa ykWl vlslj ds drZO; ,oa nkf;Ro crk;k x;k gS vkSj ftlds vuqlkj losZ;j dks chfer LFkku o iz'uk/khu laifRr dk fujh{k.k&iqufZuZjh{k.k djus] ijh{k.k djus] vuqla/kku djus] lR;kfir djus vkSj ifjfLFkfr ds laca/k esa tkap djus dk rFkk {kfr dh xzkg~;rk ds laca/k esa fVIi.kh nsus] okjaVh daMh'ku vkSj ikWfylh 'krksZa dk mYys[k djus dk iw.kZ vf/kdkj gS rFkk og tks Hkh Msfizfl,'ku gS rFkk nkos dks jsiqfM,'ku djus ds laca/k esa dkj.k nf'kZr dj ldrk gSA bl izdkj ;g Li"V gS fd losZ;j ,oa ykWl vlslj dks nkos dks fujLr djus dh vuq'kalk djus dk vf/kdkj izkIr gS vkSj bl izdj.k esa nLrkosth lk{; izLrqr gqvk gS vkSj tks Åij U;k; n`"Vkar dk voyacu fy;k x;k gS] mlds ifjizs{; esa ifjoknh dh mis{kk ds dkj.k // 18 // mlds Nr dk ukyh vo:} gqvk Fkk vkSj ftlds dkj.k Nr dk ikuh nqdku esa izos'k fd;k FkkA ifjoknh dh vksj ls ,slk dksbZ lk{; izLrqr ugha fd;k x;k gS ty Iykou ;k ck<+ (Flood Inundation) ds dkj.k Nr esa ikuh Hkjk Fkk vkSj mlds dkj.k ls ifjoknh dks {kfr dkfjr gqvk FkkA nqdkunkjksa dh chek ikWfylh gS mlds [k.M&1 esa ;g mYysf[kr gS fd%& **dEiuh chek/kkjd ds chfer Hkou@Hkou esa j[kh oLrqvksa tcfd os chek/kkjd ds ifjlj esa j[kh gks] dks gqbZ fuEu gkfu ;k {kfr ds laca/k esa {kfriwfrZ djsxhA d½ vfXu rfM+r] ?kjsyw midj.kksa esa xSl dk foLQksVA [k½ ikuh ds VSadksa ds midj.kksa ;k ikbiksa dk QqVuk rFkk tyeXu gksukA x½ foeku ;k mlls fxjh gqbZ oLrq,aA ?k½ minzo] gM+rky ;k nqHkkZoukiw.kZ dk;Z ,oa vkradoknA M-½ HkwdEiA mlls mn~Hkwr vfXu vkSj@;k >VdkA Hkw&L[kyuA pV~Vk f[kldus lfgrA gqbZ {kfrA Pk½ ck<+] vkIykou] rqQku] >a>kor] coaMj] izHkatu] gjhdsuk] /kw.kZ] ok;q ;k pdzokrA N½ la?kkr {kfrA fo'ks"k viokn dEiuh ds fuEufyf[kr ds laca/k esa nkf;Ro ugha gksxhA d½ Ik'kq/ku] eksVu okguksa rFkk isMy lkbfdyksa dh gqbZ gkfu ;k {kfrA [k½ /kujkf'k gsrq izfrHkqfr;ksa] fVdVksa] lksuk&pkanh] foys[kksa] gqf.M;ksa] fofue; i=ksa] cU/k i=ksa] 'ks;j rFkk LVkWd izek.k&i=ksa] O;olk; laca/kh ys[kk [kkrksa] ik.Mqfyfi;ksa] fdlh Hkh izdkj ds nLrkost vutM+s ewY;oku iRFkjksa rFkk vkHkw"k.k ,oa ewY;oku oLrqvksa dh gkfu o {kfrA mldh Lohd`fr ;k vLohd`fr ugha nsxkA // 19 // 23- bl izdkj ;g Li"V gS fd tks Nr esa ikuh Hkjk Fkk o fdl ck<+] vkIykou] rwQku] >a>kor] coaMj] izHkatu] gjhdsuk] /kw.kZ] ok;q ;k pdzokr vkfn ds dkj.k ugha Fkk] vfirq ifjoknh ds Nr dk ukyh pksd gks tkus ds dkj.k Fkk vkSj ,slh fLFkfr esa tks {kfr dkfjr gqvk gS og chek ikWfylh ls vkPNkfnr ugha Fkk vkSj QyLo:Ik fgrs'k dqekj fprkfy;k us tks fjiksVZ fn;k gS og iw.kZr% Lohdkj ;ksX; gS vkSj chek daiuh dk {kfriwfrZ djus dk dksbZ nkf;Ro ugha gS vkSj vukosnd chek daiuh us tks nkos dks vLohdkj fd;k gS mlesa fdlh izdkj dh dksbZ vfu;ferrk ugha gS vkSj vukosnd chek daiuh }kjk lsok esa dksbZ deh ugha fd;k x;k gS vkSj ,slh fLFkfr esa ftyk Qksje us ifjoknh ds ifjoknh dks vkaf'kd :Ik ls Lohdkj dj tks {kfriwfrZ dh jkf'k fnyk;k gS og fLFkj j[ks tkus ;ksX; ugha gSA 24- vr% ifjoknh esllZ lktu VsªMlZ dh vksj ls izLrqr vihy dzekad&,Q,@2018@171 lkjghu gksus ls fujLr fd;k tkrk gS rFkk vukosnd us'kuy ba';ksjsal daiuh fyfeVsM dh vksj ls izLrqr vihy dzekad&,Q,@2018@214 Lohdkj fd;k tkrk gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&05-02-2018 vikLr fd;k tkrk gSA ifj.kker% ifjoknh dk ifjokn fujLr fd;k tkrk gSA bl vihy dk O;;
i{kdkj viuk&viuk ogu djsaxsA
¼U;k;ewfrZ vkj-,l-'kekZ½ ¼Mh- ds- iksn~nkj½ ¼Jherh :fp xks;y½
v/;{k lnL; lnL;
04@05@2018 04@05@2018 04@05@2018