State Consumer Disputes Redressal Commission
Bajaj Allianz General Insurance Co Ltd. vs Sourbh Choudhary S/O Banwari Lal Takhar on 6 September, 2022
1 jktLFkku jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;iqj izFke vihy la[;k% 386@2021 ctkt vkfy;kUt tujy ba';ksjsl a dEiuh fyfeVsM] vks&12&,] ewUnM+k VkWoj] f)rh; eafty] v'kksd ekxZ] lh&Ldhe] t;iqj tfj;s izcU/k funs'kd gky irk&4 gFkjksbZ QksVZ] f)rh; o r`rh; eafty] vtesj jksM+] t;iqj ¼jkt-½A
----vihykFkhZ@foi{kh cuke~ lkSjHk pkS/kjh iq= cuokjh yky rk[kj] izkis jkbZVj vkse Vk;lZ] nqdku uacj& 14&16] mRlo xkMZ ds ikl] jhdks b.MLVªh;y ,fj;k ds lkeus] U;w lkaxkusj jksM+] ekuljksoj] t;iqj&302020 A
----izR;FkhZ@ifjoknh le{k %& ekuuh; Jh vrqy dqekj pVthZ] dk;Zokgd v/;{k ekuuh; Jh jkeQwy xqtZj] lnL;
mifLFkr%& vihykFkhZ ds vf/koDrk Jh iz'kkUr ea=h izR;FkhZ ds vf/koDrk Jh xksiky 'kkL=h fu.kZ; fnukad% 06 flrEcj 2022 jkT; vk;ksx]jktLFkku]t;iqj ¼}kjk% Jh vrqy dqekj pVthZ] dk;Zokgd v/;{k½ vihykFkhZ@foi{kh us ;g vihy vkyksP; fu.kZ; fnukad 19-03-2021 ds fo:) izLrqr dh gS tks fd fo)ku v/khuLFk ftyk miHkksDrk fookn izfrrks"k vk;ksx]t;iqj prqFkZ us ifjokn la[;k 2 631 @2018 ¼ lkSjHk pkS/kjh cuke~ ctkt vykbZUt tujy ba';ksjsl a daiuh fyfeVsM ½ esa ikfjr dj ifjoknh dk ifjokn Lohdkj dj fuEu vkns'k ikfjr fd;k%& ^^ ifj.kkeLo:i ifjoknh dk ifjokn foi{kh chek dEiuh ds fo:} Lohdkj fd;k tkdj foi{kh chek dEiuh dks vknsf'kr fd;k tkrk gS fd fo'kky xqIrk dh losZ fjiksVZ fnuakd 31-05- 2016 ds vuqlkj 2]66]407@&:i;s ¼v{kjs nks yk[k NklB gtkj pkj lkS lkr :Ik;s ek=½ dh jkf'k dk Hkqxrku ifjoknh dks ifjokn izLrqr djus dh fnuakd 09-10-2018 ls okLrfod vnk;xh rd 9 izfr'kr okf"kZd nj ls C;kt lfgr ifjoknh dks vnk djsAa blds vykok foi{kh chek dEiuh ifjoknh dks ekufld larki o {kfriwfrZ ds :Ik esa 25]000@&:i;s ¼v{kjs iPphl gtkj :Ik;s ek=½ o ifjokn O;; ds :Ik esa 5]000@&:i;s ¼v{kjs ikWap gtkj :Ik;s ek=½ Hkh vnk djsAa 'ks"k vuqrks"k vLohdkj fd;s tkrs gSA foIk{kh chek dEiuh dks vkns'k dh ikyuk gsrq 2 ekg dk le; iznku fd;k tkrk gS ftlesa foQy jgus ij ifjoknh leLr jkf'k;ksa ij vkns'k dh fnukad ls vnk;xh rd 9 izfr'kr okf"kZd C;kt Hkh izkIr djus dk vf/kdkjh jgsxkA^^ bl vihy ls lEcfU/kr laf{kIr rF; bl izdkj gS fd ifjoknh tks fd t;iqj dk fuoklh gS rFkk vkse Vk;lZ ds uke ls O;olk; djrk gSA ifjoknh us foi{kh ls Vk;jksa ds LVkWd] QuhZpj fQDpZl] IykUV ,.M e'khujh dk chek djok j[kk gS tks 40]00]000@&:i;s ¼pkyhl yk[k 3 :i;s ½ dk vkx ds fy;s gS rFkk 40]00]000@& :i;s ¼pkyhl yk[k :i;s ½ dk pksjh ds fy;s djok j[kk gSA gLrxr izdj.k pksjh ds laca/k esa gS ftldh ikWfylh dh vof/k 05-05-2015 ls 04-05-2016 ds fy;s gSA ;g Hkh dFku fd;k x;k fd ifjoknh dks chek ikWfylh dh ,d ist dh izfr gh miyC/k djokbZ xbZ FkhA ifjoknh dk dFku gS fd fnuakd 04-05-2016 dks dqN vKkr pksj chfer ifjlj ls ifjokn dh en la[;k&3 esa of.kZr lkeku pksjh djds ys x;s ftldh dher yxHkx 4]00]000@&:i;s ¼pkj yk[k :i;s ½ gSA bl pksjh dh tkudkjh ifjoknh dks yxHkx 2%30 cts gqbZ ftl ij mUgksus iqfyl dUVªksy :e dks lwfpr fd;k ,oa HkkbZ ds lkFk ekSds ij x;k rFkk 'kks:e ds yMds ds lkFk feydj pksjksa dks <q<usa dk iz;kl Hkh fd;kA bl ?kVuk dh tkudkjh 05-05-2016 foi{kh dks iznku dh ,oa fnuakd 05-05-2016 dks iqfyl Fkkuk eqgkuk esa ,Q-vkbZ-vkj la[;k&272@2016 Hkh izLrqr dhA ifjokn ds vuqlkj losZ;j dks pkgs x;s leLr nLrkostkr miyC/k djok;s x;s ysfdu u rks Dyse dks lSVy fd;k x;k vkSj u gh losZ fjiksVZ dh izfr iznku dh xbZA iqfyl us Hkh vfUre izfrosnu esa fnuakd 04-05-2016 dh jk=h 11 cts pksjh gksuk izekf.kr ekuk gS rFkk vne irk eky eqfYteku esa ,Q-vkj la[;k&139@2016 izLrqr dj nh gS ysfdu yEch vof/k fcrus ds ckotwn Hkh Dyse dk fuLrkj.k ugha fd;k x;kA 4 Dyse ds fuLrkj.k ds fy;s losZ;j }kjk fj'or ekaxus o pksjh ds le; ds laca/k esa Hkh fookn djus dk dFku fd;k vkSj yEcs le; rd pDdj dVokus ds ckn tqykbZ 2018 esa Dyse ds fuLrkj.k ds fy;s euk dj fn;k vkSj ifjokn izLrqr dj pksjh ds lkeku dh jkf'k 4]00]000@&:i;s ¼pkyhl yk[k :i;s½ ,oa pksjh dh fnuakd ls C;kt o {kfriwfrZ ds 5]00]000@&:i;s ¼ikap yk[k :i;s½ o vf/koDrk Qhl o fof/kd [kpsZ ds isVs 51]000@&:i;s ¼bZD;kou gtkj :i;s½ vkfn vuqrks"k pkgsA foi{kh }kjk foLr`r tokc izLrqr dj fofHkUu izdkj dh vkifRr;kW nkf[ky dh xbZ vkSj eq[; :Ik ls ;g vfHkdFku fd;k x;k fd mDr ikWfylh fnuakd 04-05-2016 dh jk=h 12%00 cts rd dh vof/k ds fy;s gh oS| Fkh vkSj Lo;a ifjoknh us gh fnuakd 05-05-2016 dks lqcg 2%40 feuV ij pksjh gksuk crk;k gS] ,sls esa pksjh ds le; chek ikWfylh vfLrRo esa gh ugha FkhA bl izdkj fdlh Hkh izdkj ds Dyse dh ns;rk curh gh ugha gSA foi{kh }kjk ;g Hkh vkifRr yh xbZ dh ifjoknh dk mDr Dyse fnuakd 31-05-2016 dks [kkfjt fd;k tk pqdk gS ftldh lwpuk Hkh ifjoknh dks ns nh xbZ Fkh vkSj gLrxr ifjokn mDr fnuakd ds 2 o"kZ ckn nkf[ky fd;k x;k gS rks Dyse vU;Fkk vof/k ckf/kr gSA vizkFkhZ }kjk fdlh Hkh izdkj dk dksbZ lsok nks"k dkfjr ugha fd;k tkus dk dFku fd;k x;kA 5 tokc esa ;g Hkh dgk x;k fd chek dEiuh }kjk Jh fo'kky xqIrk dks losZ;j ds :i esa fu;qDr fd;k Fkk ftUgksaus fnuakd 31-05-2016 dks viuh losZ fjiksVZ vizkFkhZ ds ;gak izLrqr dh] ftlesa pksjh chek vof/k esa u gksuk ik;k x;kA losZ fjiksVZ ds vuqlkj Dyse dh ns;rk ik;s tkus ij okLrfod uqdlku 2]66]407@&:i;s dk fu/kkZfjr fd;k x;kA ;g Hkh vadu djok;k x;k fd ifjoknh us Lo;a losZ;j dks lg;ksx ugha fd;k rFkk ifjokn [kkfjt djus dh izkFkZuk dh xbZA rRi'pkr~ fo)ku v/khuLFk ftyk vk;ksx us mHk; i{k dh cgl lqudj ifjoknh dk ifjokn mDr izdkj ls Lohdkj dj fy;k] ftlls O;fFkr gksdj vihykFkhZ@foi{kh chek daiuh us ;g vihy bl vk;ksx ds le{k izLrqr dhA ;ksX; vf/koDrk vihykFkhZ@foi{kh chek daiuh us dekscs'k vihy eheksa esa n'kkZ;s rF;ksa dks rdksZa ds :i esa nksgjkrs gq, fo)ku ftyk vk;ksx] t;iqj prqFkZ ds vkyksP; fu.kZ; fnukad 19-03-2021 dks bl vk/kkj ij fookfnr fd;k gS fd Lohd`r rkSj ij Lo;a izR;FkhZ@ ifjoknh us izFke lwpuk fjiksVZ esa vius O;olkf;d ifjlj esa lsa/kekjh ¼ Burglary ½@pksjh¼ Theft ½ dk le; fnukad 05-05-2016 dks izkr% 2%40 cts dk gksuk crk;k gSA muds vuqlkj Lohd`r rkSj ij vihykFkhZ@foi{kh chek daiuh }kjk izR;FkhZ@ifjoknh ds i{k esa tkjh chek ikWfylh dh vof/k fnukad 04-05-2016 dh e/; jkf= rd lhfer 6 Fkh ,oa bldk izkjaHk fnukad 05 ebZ 2015 dks lka; 6%49%56 vFkkZr~ 18%49%56 ls gqvk FkkA muds vuqlkj fo)ku ftyk vk;ksx us dsoyek= iqfyl }kjk izLrqr vafre izfrosnu esa dfFkr rkSj ij ?kVukLFky ls xqtj jgs xokg rq"kkj pkS/kjh ,oa gsrjke pkS/kjh }kjk fnukad 04-05-2016 dh jkf= djhc 11-00 cts ?kVukLFky vkse Vk;j 'kks:e ds ckgj ,d lQsn jax dh fidvi yksfMax xkM+h [kM+h ns[kuk crk;k gSA tkfgj ekuk gS fd vKkr pksjksa us fnukad 04-502016 dh jkf= djhc 11-00 cts vatke fn;k gSA ;ksX; vf/koDrk vihykFkhZ@foi{kh chek daiuh us v/khuLFk ftyk vk;ksx ds }kjk iqfyl }kjk izLrqr vafre izfrosnu ds mDr rF;ksa ds vk/kkj ij ?kVuk dk le; fnukad 04-05-2016 dks jkf= 11-00 cts ekuus dks xyr gksuk crk;k gSA cgl ds nkSjku ;ksX; vf/koDRkk vihykFkhZ@foi{kh chek daiuh us fuEu U;k; n`"Vkar m)`r fd;s gS%& 1- CRIMINAL APPEAL NOS. 339-340 OG 2014- RAJESH YADAV & ANR. ETC. VS STATE OF U.P. DATED FEBURARY 04, 2022 (SUPREME COURT OF INDIA) 2- III (2009) CPJ 75 (SC)- SIGMA DIAGNOSTICS LTD. VS UNITED INDIA INSURANCE COMPANY LTD. & ANR.
3- REVISION PETITION NO. 2324 OF 2016- REGIONAL 7 MANAGER, NATIONAL INSURANCE COMPANY LTD. VS RANPAL SINGH (NCDRC) vihykFkhZ@foi{kh chek daiuh dh vksj ls Alarm Security System/ Burglary Alarm dh dk;Z iz.kkyh n'kkZus gsrq lqlaxr eqfnzr lkexzh dh izfr;ka izLrqr dh gS] bl vk/kkj ij mUgksua s iz'uxr ekeys esa Li"Vr% ?kVuk dk le; ikWfylh vof/k lekIr gks tkus ds i'pkr~ ds vk/kkj ij vihykFkhZ@foi{kh chek daiuh }kjk lgh rkSj ij Dyse fujLr fd;k tkuk crk;k ,oa fdlh Hkh izdkj dk dksbZ lsok nks"k iw.kZr;k ugha ekus tkus ;ksX; crk;k rFkk fo)ku ftyk vk;ksx dk fu.kZ; mDr vk/kkjksa ij lgh Bgjk;s tkus ;ksX; ugha gksuk crkrs gq, vihy Lohdkj djus dh izkFkZuk dhA blds vfrfjDr mUgksaus izR;FkhZ@ifjoknh }kjk /kkjk 24 , miHkksDrk laj{k.k vf/kfu;e] 1986 ds varxZr okndkj.k mRiUu gksus dh frfFk ls fu;r nks o"kZ dh le;kof/k esa ifjokn izLrqr ugha fd;s tkus ds dkj.k ifjoknh dk ifjokn vof/k ckf/kr gksus dk Hkh rdZ fn;k ,oa bl fcUnw ij v/khuLFk ftyk vk;ksx }kjk vfHkys[k ij miyC/k vfHkopuksa ,ao lk{; ds ifjizS{; esa lgh fu"d"kZ ugha fudkyuk crkrs gq, bl vk/kkj ij Hkh ifjoknh dk ifjokn fujLr gksus ;ksX; crk;kA bu rdksZa dk ;ksX; vf/koDrk izR;FkhZ@ifjoknh us dM+k fojks/k djrs gq, rdZ fn;k fd v/khuLFk ftyk vk;ksx us vkyksP; fu.kZ; ds pj.k la- 8 &11 esa losZ;j }kjk nh xbZ fjiksVZ ds rF;ksa rFkk iqfyl }kjk izLrqr vafre izfrosnu ds rF;ksa dk rqyukRed foospu djrs gq, izR;FkhZ@ifjoknh ds i{k esa lgh fu"d"kZ fudkyk gS ,oa ifjokn Lohdkj fd;k gSA bl izdkj mUgksaus v/khuLFk ftyk vk;ksx ds fu.kZ; esa fdlh Hkh izdkj ds gLr{ksi dh xqatkbZ'k ugha gksuk crkrs gq, fuEu U;k; n`"Vkar izLrqr fd;s gS%& 1- CIVIL APPEAL NO. 4000 OF 2019- SAMRUDDHI CO-OPERATIVE HOUSING SOICEITY LTD. VS MUMBAI MAHALAXMI CONSTRUCTION PVT.
LTD. (SUPREME COURT OF INDIA) 2- CIVIL APPEAL NOS. 2382-2383 OF 2022- BHARATI BHATTACHARJEE VS QUAZI MD.
MAKSUDUZZAMAN & ORS. (SUPREME COURT OF INDIA) geusa mDr rdksZa dk euu fd;k ,ao leLr vfHkys[k dk voyksdu fd;kA bl ekeys esa mHk; i{k ds vfHkopuksa ,ao lk{; ls ;g fLFkfr fookn jfgr gS fd izR;FkhZ@ifjoknh us vihykFkhZ@foi{kh chek daiuh ls vius uke ls vius O;olkf;d ifjlj vkse Vk;lZ] nqdku uacj 14&16] uh;j mRlo xkMZu] viksftV fjdks b.MLVªh; ,fj;k] U;w lkaxkusj jksM+] 9 ih vks ,fj;k] ekuljksoj] t;iqj] jktLFkku dk Burglary Insurance djok;k Fkk] tks fnukad 05 ebZ 2015 dks 18%49%56 cts ls ysdj fnukad 04 ebZ 2016 dks e/; jkf= rd izHkkoh FkkA iz'uxr ekeys esa Lohd`r rkSj ij izR;FkhZ@ifjoknh }kjk iqfyl Fkkuk] eqgkuk] t;iqj lkÅFk esa ntZ djokbZ xbZ izFke lwpuk fjiksVZ la- 272@16 ds vuqlkj ?kVuk fnukad 05-05-2016 dks 2%40 , ,e dh crkbZ xbZ gSA mDr izFke lwpuk fjiksVZ ds vuqdze esa iqfyl Fkkuk] eqgkuk }kjk fd;s x;s vuql/a kku ds ifj.kkeLo:i vafre izfrosnu la- 20160625 fnukad 30-12-2016 izLrqr dh xbZ gS ,ao izdj.k esa vne irk eky eqfYteku~ esa ,Q-vkj- izLrqr dh xbZA mDr ,Q-vkj- esa izLrqr urhts esa iqfyl }kjk nkSjkus r¶rh'k ifjoknh ,ao mldh 'kkWi@nqdku ij jgus@dke djus okys galjkt xqtZj o deys'k jk.kk rFkk vU; lEcfU/kr xokgku~ rq"kkj pkS/kjh o gsrjke pkS/kjh ds c;ku ysuk crk;k x;kA ?kVukLFky dk fujh{k.k dj uD'kk ekSdk d'khn djuk QksVksxzkQh djokbZ xbZ] QksVksxzkQh ds vuqlkj xokgku~ rq"kkj pkS/kjh o gsrjke pkS/kjh us vius c;kuksa esa crk;k fd jkf= djhc 11-00 cts ?kVuk LFky vkse Vk;j 'kks:e ds ckgj ,d lQsn jax dh fidvi yksfMax xkM+h [kM+h ns[kh Fkh] ;g rF; mUgksaus vius c;kuksa esa ntZ djok;kA iqfyl ds vuqlkj ftlls tkfgj gS fd eqdnek gktk dh ?kVuk dks vKkr pksjksa us fnukad 04-05-2016 dh jkf= 11-00 cts vUtke fn;k gSA mYys[kuh; 10 gS fd mDr urhts esa iqfyl us lafnX/k O;fDr ds lSyQksu dh dkWy fMVsy izkIr dj fo'ys"k.k fd;k x;kA ?kVuk LFky ds vkl&ikl ds lhlhVhoh dSejksa ds ,ao ;krk;kr 'kk[kk ds ch&2 ckbZikl pkSjkgs ij yxs lh-lh-Vh-oh- dSejs ds QqVst pSd fd;sA ?kVuk LFky ds vkl ikl ds lSyQksu dEifu;ksa ds Vkojksa dk ch-Vh-,l- MkVk izkIr dj lafnX/k lSyQksu uacjksa dh lh-Mh-vkj- izkIr dj fo'ys"k.k djuk crk;k fdUrq dkQh iz;klksa ds ckotwn Hkh eky eqfYteku dk dksbZ irk ugha yxuk crk;k x;kA fo)ku ftyk vk;ksx ds le{k tgak izR;FkhZ@ifjoknh us vius ifjokn esa mijksDr foospukuqlkj Lo;a ds i{k esa vihykFkhZ@foi{kh chek daiuh }kjk fu"ikfnr chek ikWfylh ds varxZr chek ikWfylh izHkko esa jgus dh le;kof/k esa pksjh gksuk crk;k gS] ogha vihykFkhZ@foi{kh chek daiuh us izFke lwpuk fjiksVZ esa Burglary Safety Alarm ds tfj;s loZizFke lwpuk fnukad 05-05-2016 dks 2%40 ,-,e- ij feyuk Lohdkj fd;k tkuk ,oa blds i'pkr~ tc ifjoknh vius HkkbZ ds lkFk ?kVuk LFky ij tk jgk Fkk] ml nkSjku vius deZpkjh }kjk fdUgha O;fDr;ksa }kjk ,d lQsn jax dh fidvi yksfMax xkM+h esa Vk;j ysdj tkrs ns[kuk crk;k gSA bl izdkj vihykFkhZ@foi{kh chek daiuh us oLrqr% ls/a kekjh¼ Burglary ½@pksjh¼ Theft ½ loZizFke 2%40 ,-,e- ij ?kfVr gksuk crkrs gq, ikWfylh izHkkoghu gks tkus ds dkj.k Dyse ns; 11 ugha gksuk crk;k gSA mYys[kuh; gS fd vihykFkhZ@foi{kh chek daiuh }kjk fu;qDr losZ;j us ;|fi 2]66]407@&:i;s ¼ nks yk[k fN;klB gtkj pkj lkS lkr :-½ dh usV {kfr vkadfyr dh gS fdUrq chekdrkZ@chek daiuh dk mRrjnkf;Ro 'kwU; gksuk crk;k gS] ftldk vk/kkj fuEukuqlkj crk;k gS %& " The time of loss as mentioned in FIR and as per the facts described is around 2.40 A.M. to 3.05 A.M. on 05- 05-2016, while the policy period is from 05-05-2015 to midnight (11.59 P.M.) of 04-05-2016. Hence in our opinion the policy ceases to exit at the time of burglary." fo)ku ftyk vk;ksx us vkyksP; fu.kZ; esa pj.k la-&11 esa losZ;j fjiksVZ esa mYysf[kr mijksDrkuqlkj chek daiuh dk 'kwU; nkf;Ro chek ikWfylh fu"izHkkoh gks tkus ds lEcU/k esa iqfyl }kjk izLrqr vafre izfrosnu ds rF;ksa ,ao blesa fu"d"kZ ds lEcU/k esa ftu vk/kkjksa ij fu"d"kZ fudkyk x;k gS mudk gokyk nsrs gq;s nksuksa fjiksVZ esa fojks/kkHkk"k gksus dh voLFkk esa iqfyl fjiksVZ dk vf/kd egRo crk;k] ftlds vk/kkj ij ;g n'kkZ;k fd iqfyl ,slh Lora= tkWap ,tsl a h gS] ftlds ikl tkWap djus ds vlhfer vf/kdkj gS vkSj mlh vuqlj.k esa muds }kjk lhlhVhoh QwVst] eksckbZy VkWoj dk fjdkWMZ o vkl&ikl ls xqtjus okys okgu 12 pkydksa ls tkWap djuk o c;ku ysuk vafdr djok;k gSA blds foijhr losZ;j }kjk dksbZ tkWap ugha dh xbZ gSA fo)ku ftyk vk;ksx ds vuqlkj ;g rF; Hkh lqlx a r gksuk n'kkZ;k x;k gS fd tokc ifjokn o lk{; ds 'kiFk i= esa vizkFkhZ }kjk iqfyl fjiksVZ ds lEcU/k esa fdlh Hkh izdkj dh dksbZ vkifRr ugha fd;k tkuk ,oa f)rh; losZ;j fu;qDr dj dksbZ Nkuchu ugha fd;k tkuk crk;k gSA bl vk/kkj ij iqfyl fu"d"kZ dks u ekuus dk dksbZ dkj.k ugha gksus ls iqfyl fjiksVZ dks fo'oluh; ekurs gq, bl fu"d"kZ dks lgh ekuk gS fd lsa/kekjh¼ Burglary ½@pksjh ¼ Theft ½ dh ?kVuk fnukad 04-05-2016 dks 11-00 cts ?kfVr gks xbZ FkhA viuh vihy esa vihykFkhZ@foi{kh chek daiuh us fo)ku ftyk vk;ksx }kjk vihykFkhZ@foi{kh chek daiuh ds tokc ,oa lk{; esa vkifRr ugha fd;s tkus ,ao f)rh; losZ;j fu;qDr ugha fd;s tkus ds fu"d"kZ dks fookfnr fd;k gS ,oa vius tokc esa Li"V :i ls ;g rF; vafdr djuk crk;k gS fd Lohd`r rkSj ij izFke lwpuk fjiksVZ esa ?kVuk dk le; izkr% 2%40 cts crk;k x;k Fkk ,oa ml le; pwafd ikWfylh ySIl gks pqdh Fkh blfy, dfFkr rkSj ij ekSds ds xokgku~ ds c;kuksa esa ?kVuk dk le; fnukad 04-05-2016 dh jkf= ds 11%00 cts crk;k x;k gSA mDr fcUnw ij foospu djus ij ge ;g ikrs gSa fd izFke lwpuk fjiksVZ ds rF;ksa ds lEcU/k esa Lo;a izR;FkhZ@ifjoknh us ;g Lohdkj fd;k gS fd ?kVuk dh tkudkjh Burglary Safety Alarm ds tfj;s jkr ds 13 2%30 cts gqbZ FkhA gekjs le{k Burglary Safety Alarm dh dk;Z iz.kkyh ds lEcU/k esa tks eqfnzr lkexzh ;ksX; vf/koDrk vihykFkhZ@foi{kh chek daiuh us izLrqr dh gS] ds vuqlkj bl izdkj dk flLVe bl ewyHkwr fl)kar ij vk/kkfjr gS fd lEcfU/kr ifjlj ds ,aVªh IokbZaV~l mnkgj.kr% njokts] f[kM+fd;ka rFkk vkarfjd txg tgak dherh oLrq,a lajf{kr gS] dh lqj{kk fuf'pr gks lds vFkkZr~ mDr ,aVªh IokbZaV~l ij ;fn dksbZ O;fDr vukf/kd`r :i ls fof/k fo:) <ax ls x`gHksnu vFkok vU;Fkk izos'k djus dk iz;Ru djrk gS rks mDr lqj{kk vykZe flLVe dk;Z djuk izkja Hk dj nsrk gS ,oa lEcfU/kr O;fDr dks flLVe ls tqM+s lans'k okgd ra=] eksckbZy] esy] VsyhQksu ds tfj;s lwpuk izsf"kr dj nh tkrh gSA fopkjk/khu ekeys esa pwfa d izFke lwpuk fjiksVZ ds vuqlkj Lohd`r rkSj ij Burglary Safety Alarm ds ek/;e ls loZizFke 2%30 ,-,e- ij ?kVuk dh lwpuk izkIr gqbZA bl ekeys esa lcls Lora= nLrkost izFke lwpuk fjiksVZ gS] ftlesa pksjh dh lwpuk izkr% 2%40 cts ij ?kj ds yS.M ykbZu VsyhQksu ij rFkk ifjoknh ds firk ds Qksu ij vkWfQl dk vykZe tks fd vkWfQl ds 'kVj ds lkFk yxk gqvk Fkk ftlesa rksM+&QksM+ djus ls Qksu vk;k] ftl ij ifjoknh us 'kks:e ij dke djus okys yM+ds galjkt tks fd 'kks:e ds ihNs gh jgrk gS] dks Qksu djds rqjUr nqdku ij tkdj laHkkyus ds fy, dgk ,oa ifjoknh vius HkkbZ ds lkFk xkM+h ysdj 'kks:e ds fy, fudyk] ?kj ls fudyrs oDr gh vkWfQl 'kks:e 14 esa dke djus okys yM+ds us Qksu djds 'kks:e ls pksjh gksus dh tkudkjh nh vkSj crk;k fd tc yM+ds galjkt us Nr ij p<+dj ns[kk rks nqdku ij ,d lQsn jax dh fid&vi ¼vksiu½ esa vKkr pksj xkM+h esa Vk;j Hkjdj ys tk jgs FksA mDr rF; ls Li"V gS fd loZizFke pksjh dh tkudkjh izkr% 2%40 ,-,e- ij fnukad 05-05-2016 dks yS.M ykbZu uacj ij ,oa ifjoknh ds firk ds eksckbZy ij Safety Alarm ds tfj;s gqbZ ,oa mlds i'pkr~ tc ifjoknh us vius dehZ galjkt dks ekSds ij tkdj ns[kus ds fy, dgk rks mlus Nr ij p<+dj tks ns[kk og bl izdkj crk;k fd ml le; gh dqN yksx ,d lQsn jax dh fid&vi ¼vksiu½ xkM+h ls Vk;j pksjh djds ys tk jgs FksA mDr rF;ksa ds fo:) iqfyl }kjk vafre izfrosnu esa dfFkr rkSj ij jkg ls xqtjus okys nks xokgku~ rq"kkj pkS/kjh ,ao gsrjke pkS/kjh ds c;ku ysuk crk;k ,oa muds }kjk fnukad 04-05-2016 dks jkf= ds 11%00 cts ifjoknh dh nqdku vkse Vk;j ds lkeus ,d lQsn jax dh fid&vi xkM+h [kM+h gksuk crk;kA mYys[kuh; gS fd bu nksuksa xokgku~ ds c;kuksa esa ftl lQsn fid&vi xkM+h [kM+h gksuk crk;k x;k gSA bu xokgku~ ds c;kuksa esa ml le; vFkkZr~ fnukad 04-05-2016 dks 11-00 cts fdlh Hkh izdkj dh lsa/kekjh¼Burglary ½ djuk vFkok pksjh ¼ Theft ½ djuk ugha crk;k x;k gS vr% ;fn rdksZa dh lqfo/kk dh n`f"V ls ;g eku Hkh fy;k tkos fd bu nksuksa O;fDr;ksa us lQsn jax dh fid&vi dks nqdku ds ckgj [kM+h 15 gksuk ns[kk Fkk rc Hkh ;g ugha dgk tk ldrk fd vKkr pksjksa }kjk fnukad 04-05-2016 dks jkf= djhc 11%00 cts ?kVuk dks vatke fn;k x;kA gekjs fouez er esa iqfyl }kjk dsoyek= vo/kkj.kk ds vk/kkj ij ;g fu"d"kZ fudkys tkuk fd ?kVuk dks vKkr pksjksa us fnukad 04-05-2016 dks vatke fn;k] og izdj.k ds rF; ,ao ifjfLFkfr;ksa esa drbZ lgh Bgjk;s tkus ;ksX; ugha gSA tgak rd iqfyl }kjk vuql/a kku ds nkSjku lafnX/k O;fDr;ksa ds dkWy MhVsy izkIr dj fo'ys"k.k fd;k tkuk] vklikl ds lhlhVhoh dSejks]a ;krk;kr 'kk[kk ds ch&2 ckbZikl ij yxk;s x;s lhlhVhoh dSejs ds QwVts pSd fd;k tkuk ,oa lSyQksu daifu;ksa ds VkWojksa dk Mhih,l MkVk izkIr dj lafnX/k dkWy Qksu dh lhMhvkj izkIr dj fo'ys"k.k djuk crk;k x;k gS] bl lEcU/k esa ,slh dksbZ lkexzh vfHkys[k ij ugha gS ftlls ?kVuk fnukad 04-05-2016 dh jkf= 11%00 cts dkfjr djuk izekf.kr gqvk gksA fof/kd n`f"V ls ns[kus ij ge ;g ikrs gSa fd chek lEcU/kh lafonk ds ekeys esa fof/k dh ;g fLFkfr dekscs'k fookn jfgr gS fd U;k;ky;ksa ,oa vf/kdj.kksa dks chek ikWfylh esa n'kkZ;h lafonk 'krksZa dks vU; okf.kfT;d lafonk dh 'krksZa ds leku ;Fkk:i vFkkZr~ ftl izdkj ds rFk;ksa dk o.kZu fd;k x;k gS] mlh :i esa ns[kk tkuk vko';d gS ,oa bl n`f"V ls ns[kus ij ;g Lohd`r fLFkfr gS fd ikWfylh izn'kZ&1 ds vuqlkj Lohd`r 16 rkSj ij ikWfylh izHkkohdj.k dh vof/k 05 ebZ 2015 dks 18%49%56 ls ysdj 04 ebZ 2016 e/; jkf= Fkh vFkkZr~ 04 ebZ 2016 dh e/; jkf= dks oLrqr% mDr ikWfylh 'kwU; gks xbZ FkhA gekjs fouez er esa mijksDr le;kof/k esa lafonk izkjaHk gksus dh frfFk] le; ,ao var gksus dh frfFk ,oa le; vR;Ur lqlx a r gSA blds lEcU/k esa ;g dgk tk ldrk gS fd fopkjk/khu izdj.k ds rF;ksa ,oa ifjfLFkfr;ksa dks n`f"Vxr j[krs gq, ikWfylh ds izHkkohdj.k ds rF;ksa ,oa vof/k dks ns[krs gq, ^^le; gh lkj^^ ¼Time is of the essence½ ekus tkus ;ksX; gS vFkkZr~ ;g ns[krs gq, fd fnukad 04-05-2016 dks e/; jkf= ikWfylh fu"izHkkoh gks xbZ Fkh vr% ?kVuk dk le; D;k Fkk] ;g vR;Ur lqlx a r gS ,oa tSlkfd geus Åij foospu esa crk;k fd Lohd`r rkSj ij izFke lwpuk fjiksVZ esa ?kVuk dh tkudkjh tfj;s 'ks¶Vh vykZe yS.M ykbZu uacj ,oa eksckbZy] bZ&esy ds ek/;e ls 2%40 ,-,e- fnukad 05-05-2016 dks gksuk crk;k x;k gS] ifjokn esa ;g le; 2%30 ,-,e- dk crk;k x;k gS ,oa Lo;a ifjoknh us izFke lwpuk fjiksVZ esa vius dehZ galjkt dks ?kVukLFky ij tkus gsrq funsZf'kr djus ds nkSjku Nr ij p<+dj ;g ns[kuk crk;k gS fd vKkr yksx lQsn fid&vi ¼vksiu½ xkM+h esa Vk;j Hkjdj ys tk jgs gS]a ml ifjfLFkfr esa ;gh LokHkkfod fu"d"kZ fudyrk gS fd oLrqr% ls/a kekjh ¼Burglary ½@pksjh ¼ Theft ½ 2%40 ,-,e- ij dkfjr dh xbZ u fd fnukad 04-05-2016 dks jkf= 11-00 ctsA gekjs fouez er esa dsoyek= 17 dqN O;fDr;ksa ds }kjk dfFkr rkSj ij lQsn xkM+h fnukad 04-05-2016 dks 11%00 cts nqdku ds ckgj ns[kuk dgus ek= ls ;g ugha dgk tk ldrk fd lsa/kekjh¼ Burglary ½@pksjh ¼ Theft ½ dh ?kVuk dks fnukad 04-50-2016 dks jkf= 11%00 cts vatke fn;k x;k gksA gekjs fouez er esa mijksDr foospukuqlkj fo)ku v/khuLFk ftyk vk;ksx }kjk ftl izdkj izFke lwpuk fjiksVZ esa crk;h xbZ ?kVuk ds lEcU/k esa losZ;j fjiksVZ esa fudkys x;s fu"d"kZ dfFkr rkSj ij iqfyl vuql/a kku esa n'kkZ;suqlkj udkjk x;k gS] og lgh Bgjk;s tkus ;ksX; ugha gS cfYd oLrqr% ?kVuk fnukad 05-05-2016 dks 2%30@2%40 ,-,e- ij gh ?kfVr gksuk ekus tkus ;ksX; gS ,ao mldks n`f"Vxr j[krs gq, ;gh fu"d"kZ fudyrk gS fd oLrqr% vihykFkhZ@foi{kh chek daiuh }kjk tkjh chek ikWfylh fu"izHkkoh gks xbZ Fkh vr% izR;FkhZ@ifjoknh dk Dyse fujLr fd;k tkus ekus tkus ;ksX; gSA bl n`f"V ls vihykFkhZ@foi{kh chek daiuh }kjk fdlh Hkh izdkj dh dksbZ lsok esa deh dkfjr djuk ugha ekuk tk ldrkA vihykFkhZ@foi{kh chek daiuh us ifjokn le;kof/k esa ugha gksus lEcU/kh vkifRr Hkh mBkbZ gS fdUrq ;g ns[krs gq, fd izR;FkhZ@ifjoknh us ifjokn ds pj.k la-&9 esa fnukad 30-12-2016 dks ,Q-vkj- ds ckn gh ifjokn izLrqr djus dh fnukad rd Dyse lSVy ugha djus ds dkj.k okndkj.k fujUrj mRiUu gksuk crk;k gS] tcfd vihykFkhZ@foi{kh chek 18 daiuh us fnukad 31-05-2016 dks Dyse fujLr gksus dh lwpuk fn;s tkuk crkus ,ao bl fnukad rd okndkj.k mRiUu gksuk crk;k gSA gekjs fouez er esa ;g ns[krs gq, fd vafre izfrosnu fnukad 30-11-2016 dks is'k fd;k x;k gS ftlesa iqfyl }kjk dfFkr rkSj ij ?kVuk dh fnukad 04-05-2016 jkf= 11%00 cts crk;k x;k gS blfy, ifjokn izLrqr djus ds m)s'; ls mDr fu"d"kZ ds vk/kkj ij ifjoknh us okndkj.k vafre izfrosnu izLrqr gksus ds i'pkr~ ifjokn izLrqr djus rd fujUrj gksuk crk;k gSA bl lEcU/k esa ifjoknh dk i{k lqlx a r ,ao Lohdkj fd;s tkus ;ksX; izrhr gksrk gS ,oa mijksDr vfHkopuksa ds ifjizS{; esa ifjokn le;kof/k esa ekus tkus ;ksX; gS vr% bl fcUnw ij fo)ku ftyk vk;ksx dk fu"d"kZ vifjorZuh; ekus tkus ;ksX; gSA mijksDrkuqlkj ;g ns[krs gq, fd bl vk;ksx ds fu.kZ;uqlkj ?kVuk izFke lwpuk fjiksVZ ij LokHkkfoduqlkj fnukad 05-05-2016 dks izkr% 2%40 ,-,e- ij ?kfVr gksuk izekf.kr gksrk gSA vr% ;g ns[krs gq, fd Lohd`r rkSj ij chek ikWfylh fnukad 04-05-2016 dks e/; jkf= dks lekIr gks pqdh Fkh vr% ifjoknh dk Dyse fof/kuqlkj Lohdkj fd;s tkus ;ksX; ugha Fkk vr% bl lEcU/k esa fo)ku ftyk vk;ksx }kjk fn;k x;k fu.kZ; fof/k lEer ekus tkus ;ksX; gS ,ao bl n`f"V ls vihykFkhZ@foi{kh chek daiuh dk d`R; fdlh Hkh izdkj ls lsok esa deh ugha ekuh tk ldrhA ifj.kkeLo:i ;g vihy Lohdkj fd;s tkus ;ksX; 19 izrhr gksrh gSA vr% vihykFkhZ@foi{kh chek daiuh dh vihy Lohdkj dh tkdj v/khuLFk ftyk miHkksDrk fookn izfrrks"k vk;ksx] t;iqj prqFkZ ds }kjk ifjokn la[;k 631 @2018 ¼ lkSjHk pkS/kjh cuke~ ctkt vykbZUt tujy ba';ksjsl a daiuh fyfeVsM ½ esa fnukad 19-03-2021 dks ikfjr vkyksP; fu.kZ; vikLr fd;k tkrk gSA [kpkZ vihy i{kdkj viuk&viuk ogu djsx a sA ¼ jkeQwy xqtZj ½ ¼ vrqy dqekj pVthZ ½ lnL; dk;Zokgd v/;{k