State Consumer Disputes Redressal Commission
M/S Fashion Suiting Pvt. Ltd. vs M/S United India Insurance Co. Ltd. on 20 December, 2018
1 jkT; miHkksDrk fookn izfrrks"k vk;ksx] cSp a la- 2] jktLFkku t;iqj ifjokn la[;k&96@2014 M/s. Fashion Suiting's Pvt. Ltd. SPL 6,7,8, 8-A, "RCM World", RIICO Growth Center, Hamiragarh, Bhilwara (Rajasthan) through its authorized signatory ifjoknh cuke M/s. United India Insurance Co. Ltd, Division Office, 1st Floor, Rajendra Marg, Bhilwara (Rajasthan)through branch manager.
---foi{khx.k le{k % ekuuh; Jh dey dqekj ckxMh] lnL; ¼U;kf;d½ ekuuh; lnL; Jherh ehuk esgrk mifLFkr %& ifjoknh dh vkSj ls Jh jkts'k ewFkk vf/koDrk foi{kh dh vksj ls Jh latho vjksM+k vf/koDRkk 2 vkns'k fnukad 20 fnlEcj] 2018 jkT; vk;ksx cSap la- 2] jktLFkku t;iqj ¼}kjk Jh dey dqekj ckxM+h] lnL; ¼U;kf;d½ ;g ifjokn M/s. Fashion Suiting's Pvt. Ltd. dh vksj ls M/s. United India Insurance Co. Ltd. ds fo:) bl vk;ksx esa fnukad 14-10-2014 dks is'k fd;kA izdj.k ds rF; bl izdkj gS fd ifjoknh ,d izk0fy0 QeZ gS] fuekZ.k o vU; O;olk; djrh gSA fnukad 06-09-2011 ls 05-09-2012 rd 60 djksM+ dk chek Fkk tks 3]00]000@&:- fizfe;e vnk dj djok;k FkkA ekg tqykbZ] vxLr esa T;knk cjlkr vkus ds dkj.k okWVj ysoy Åij vk x;k rFkk v.Mj xzkm.M xksnke lhist ds tfj;s o osUVhys'ku ds tfj;s ikuh vk x;kA ifjoknh dks 23]57]614@&:- dk uqdlku gqvk ijUrq foi{kh us Dyse ;g dgdj [kkfjt dj fn;k fd ;g ikfylh dh 'krksZ esa ugha vkrkA ifjokn ,oa lk{; ds leFkZu esa f=yksd pUn NkcM+k dk 'kiFk&i= ,oa izn'kZ&1 yxk;r izn'kZ&7 nLrkost izLrqr fd;sA foi{kh dh vksj ls tokc esa chek djuk Lohdkj fd;k fd;k x;k rFkk Dyse [kkfjt djuk Hkh Lohdkj fd;k x;k rFkk dgk fd ikfylh dh 'krksZ esa ifjoknh dk izdj.k ugha vk jgk Fkk blfy, Dyse jsiqfM;sV fd;k x;k gSA foi{kh ;g crkus esa Hkh vleFkZ jgk fd xksnke esa dc ikuh vk;k rFkk dc {kfr gqbZ] vkSj ifjokn [kkfjt djus dk fuosnu fd;kA foi{kh dh vksj ls tokc ,oa lk{; ds leFkZu esa 'kadj 'kekZ vfllVsUV eSustj dk 'kiFk&i= ,oa izn'kZ&R@1 yxk;r izn'kZ&R@4 nLrkost izLrqr fd;sA cgl i{kdkjku vf/koDrkx.k lquh ,oa i=koyh rFkk nLrkostkr dk voyksdu fd;kA ;g Lohd`r fLFkfr gS fd ifjoknh fyfeVsM daiuh Fkh rFkk mldk 2009 ls yxkrkj chek Fkk rFkk chek fizfe;e vnk dj jgk FkkA ifjoknh ds vuqlkj ;fn cjlkr vkus ds dkj.k ikuh Åij vk x;k rFkk og cslesaUV xkSnke esa flUd gks 3 x;k rFkk osUVhysVj ds tfj;s flUd gks x;k ftlls ifjoknh ds lkeku dks {kfr igqWaphA foi{kh us chek Dyse [kkfjt dj fn;kA chek Dyse dh 'krZ la[;k 8 fuEu izdkj gS %& VIII. Subsidence and land slide Including Rock Slide: Loss, destruction or damage directly caused subsidence of part of the site on which the property stands or land slide/Rock slide excluding:
a. The normal cracking, settlement or bedding down of new structures b. The settlement or movement of made up ground c. coastal or river erosion d. defective design or workmanship or use of defective materials e. demolrion, construction, structural alterations or repair of nay property or ground works or excavations.
ij bl 'krZ dks ns[ks rks ifjoknh dk Dyse blds ,DlDywtu DykWt esa vkrk gSA ;gh foi{kh }kjk izLrqr ;qukbZVsM bf.M;k bU';ksjsal daiuh cuke lanhi 'kekZ esa Hkh ekuuh; jk"Vªh; vk;ksx us fu/kkZfjr fd;k gS] ijUrq ;g izdj.k 'rkZ la[;k 11 ds lac/a k esa gS tks fuEu izdkj gS%& XI. Leakage from automatic Sprinkler Installations: Excluding loss, destruction or damage caused by
a) Repairs or alterations to the buildings or premises
b) Repairs, Removal or extension of the Sprinkler Installation
c) Defects in construction known to the Insured.
Lor% dksbZ yhdst gksrh gS rks og ikfylh dh 'krksZ esa vkrh gS blds rhu ,DlDywtu crk;h x;h gS] ;g rhuksa ,DlDywtu bl izdj.k ij ykxw ugha gksrh gSA ,slh fLFkfr esa ifjoknh Dyse izkIr dk vf/kdkjh gks tkrk gSAQ foi{kh us losZ djok;k rFkk flfoy bathfu;j us fuEu vafdr fd;k %& 4 "Cause and nature of loss does not fall under the police scope. Hence cannot be covered under the risk coverage. The Seepage and entering of rain water through the ventilation is not covered under the policy as per civil Engineer report it appears the design defect in the building structure which caused the seepage due to water pressure. A suitable action may be taken at your end".
;g bl ekeys ij ykxw ugha gksrk gS D;ksa fd 'krZ la[;k 11 ds ,DlDywtu DykWt esa ;g ekeyk ugha vkrk gSA losZ;j us C.M. Jagetia us 12]79]854:- 05 iSls dk uqdlku crk;k gSA losZ;j ds bl dsydqys'ku ij vfo'okl djus dk dksbZ dkj.k utj ugha vkrk gSA vr% ifjoknh dks losZ fjiksVZ ds vuqlkj {kfriwfrZ fnyok;h tkuh mfpr gSA vkns'k vr% ifjoknh dk ifjokn Lohdkj djds] foi{kh dks vkns'k fn;k tkrk gS fd oks ifjoknh dks] 12]79]854:- 05 iSls ¼ ckjg yk[k muklh gtkj vkB lkS pkSou :i;s ikWp iSls ½ ifjokn nk;j djus dh fnukad 14-10-2014 ls 9 izfr'kr okf"kZd dh nj ls C;kt lfgr vkns'k dh rkjh[k ls nks ekg esa vnk djsaA foi{kh ifjoknh dks ekufld larki dh {kfriwfrZ Lo:i 1]00]000@&:-
¼v{kjs ,d yk[k :-½ rFkk ifjokn O;; ds 25]000@&:- vkns'k dh rkjh[k ls nks ekg esa vnk djsAa ¼ ehuk esgrk ½ ¼ dey dqekj ckxMh ½ lnL; lnL; ¼U;kf;d½ @ikBd@ 5