Central Information Commission
Rakesh Bhatia vs United India Insurance Co. Ltd. on 12 February, 2026
केन्द्रीय सूचना आयोग
Central Information Commission
बाबा गंगनाथ मागग, मुननरका
Baba Gangnath Marg, Munirka
नई निल्ली, New Delhi - 110067
नितीय अपील संख्या/Second Appeal No. CIC/UIICL/A/2024/138539
Rakesh Bhatia ......अपीलकताग /Appellant
VERSUS
बनाम
CPIO: UIICL ....प्रनतवािीगण/Respondents
Date of Hearing : 10.02.2026
Date of Decision : 11.02.2026
Information Commissioner : Shri Surendra Singh Meena
Relevant Facts emerging from appeal:
RTI application : 05.08.2024
PIO replied on : 04.09.2024
First Appeal filed on : 04.10.2024
First Appeal Order on : 05.11.2024
2nd Appeal received on : 28.11.2024
CIC/UIICL/A/2024/138539 Page 1 of 6
Information soughtand background of the case:
The Appellant filed an RTI application dated 05.08.2024 seeking information on the following points:
"Please provide the following information/documents in respect of our reported Inundation Loss dated 9th July 2023 in respect of our factory and other assets covered under Policy No. 22160011222109887974:
1. When was the intimation of above claim received by your office? Please provide a copy of intimation mail received.
2. When the Surveyor was deputed to survey and assess the loss? Please provide copy of survey allotment letter issued to the surveyor.
3. Please provide the copy of Surveyor's license of your surveyor who visited the site of loss on the first visit after receiving the intimation of loss from us.
4. Please provide the designation and name of your officer who visited the site of loss along with the surveyor on his first visit and the report submitted by him.
5. On what date was the final survey report received from the Surveyor? Please provide copy of complete final survey report and addendum report, if any, after receipt of final survey report along with the complete annexures and the photographs.
6. Please provide details and minutes of the meetings held by the surveyor with your Office/Regional Office and follow up mails if any.
7. It is stated by you in your repudiation letter that the building collapsed due to "the structural alterations and changes in the Building as well as the additional prefabricated structure added to the wall". Please provide the documentary proof based on which you have arrived at this conclusion. Whether any study/inspection of the collapsed building was got done through any licensed structural engineer? If yes, a copy of the same may please be provided.
8. Please provide copies of complete correspondence between:
(a) Your office and the Regional Office/Head office along with the attachments with the mails exchanged, if any CIC/UIICL/A/2024/138539 Page 2 of 6
(b) Your office and the Surveyor along with the attachments with the mails, if any
9. Copy of complete claim file with the notings, recommendations and the claim repudiation note duly approved by the competent authority, from the date of receipt of the claim intimation till the date of repudiation of the claim.
10. Copy of the Postal Receipt through which the repudiation letter was posted."
The CPIO replied vide letter dated 04.09.2024 and the same is reproduced as under:-
"Reply No.1: Date of intimation received 09th July, 2023 Reply No.2: Date of surveyor appointed 10th July, 2023 Reply NO.3: We are not the information holder of the information sought Reply NO.4: Designation and name of officer: Mr.Ravi Verma, Deputy Manager.
Reply NO.5: Date of receipt of surveyor report: 4th April, 2024 Reply NO.6: The information sought is exempted as per Section 8(1)(d) of the RTI act, 2005.
Reply NO.7: As per Final Survey Report Reply NO.8: The information sought is exempted as per Section 8(1)(d) of the RTI act, 2005.
Reply NO.9: The information sought is exempted as per Section 8(1)(d) of the RTI act, 2005.
Reply NO.10: Copy of postal receipt For the reply to point No.5 and 10, the information sought in your RTI application consists of 60 pages As per RTI Act, 2005 for providing the required information the additional fees is charged. So the additional fees of Rs. 120/- (Rs.2/- per page A4 size) plus Rs.50/- for postal charges totalling to Rs. 170/-.CIC/UIICL/A/2024/138539 Page 3 of 6
You are requested to deposit the additional charges through demand draft at Delhi Regional Office 2, Core 4, 1st Floor, Scope Minar, Laxmi Nagar in fvour of United India Insurance Company Limited., On receipt of the fees the replies will be dispatched to your registered address mentioned in the application."
The Appellant filed a First Appeal dated 04.10.2024 was not satisfied with the reply alleging that the information is incomplete and made some unnecessary exemption u/s 8(1)(d) of the RTI Act 2005. The FAA vide order dated 05.11.2024 stated as under:-
"Please find below the pointwise reply of your Appeal as received from the Concerned Department Reply to point no.1. Copy of claim intimation is being provided.
Reply to point no. 2. Copy of allotment letter of the surveyor is being provided Reply to point no. 3. point no.7 of RTI application: Reply already provided point no. 8 of RTI application: Details of the surveyor are already mentioned on the Survey Report shared earlier as RTI reply to point no.5.
Reply to point no. 4. Survey Report submitted by the Surveyor along with annexures already provided as reply to point no.5 of the RTI application As you have requested for all annexures (submitted by you) the information sought consists of 654 pages As per RTI Act, 2005 for providing the required information the additional fees is charged. So the additional lees of Rs. 13087- (Rs. 2/-per page A4 size) along with postal charges of Rs. 60/-is to be charged.
Reply to point no. 5 Copy of claim intimation and copy of allotment letter of surveyor is being provided.
Reply to point по. 6. This was not a part of original RTI application. Hence the same cannot be replied in appeal.CIC/UIICL/A/2024/138539 Page 4 of 6
Reply to point no. 7, As per reply to point no.6, 8, 9 of your RTI application:
The information sought is exempted as per Section 8(1)(d) of the RTI act, 2005."
Aggrieved and dissatisfied, the Appellant approached the Commission with the instant Second Appeal.
Facts emerging in Course of Hearing:
The appellant's advocate Arushi Mittal, (Delhi) was present in-person.
The respondent Mr. Manpreet Kuar, Deputy Manager, (Delhi) was present in-person.
The appellant inter alia submitted that incomplete reply has been provided by the respondent. She further submitted that copies of correspondence as sought on point no. 8 and 9 has not provided.
The respondent while defending their case inter alia submitted that they have already provided complete copy of the surveyor report to the appellant, which contains most of the information sought in the RTI application. The respondent further submitted that all the decisions regarding the claim has been taken based on the surveyor report only, which has been given to the appellant. The respondent stated that copies of correspondence between their office and Regional office is internal documents, hence denied u/s 8 (1) (d) of the RTI Act. The appellant stated that copy of minutes of the meeting as sought on point no. 6 also not given, the respondent agreed to provide the copy of the same to the appellant. The respondent stated that in written submission dated 05.11.2024, they have also provided copies of document as sought in the RTI application. The appellant submitted that she has not received the copy of the written submission of the respondent yet.
Decision:
In the light of the above facts and perusal of the available record, the respondent is directed to provide revised reply to the appellant along with the copy of their written CIC/UIICL/A/2024/138539 Page 5 of 6 submission dated 04.02.2026, within three weeks after receipt of this order. With this observation and direction, the appeal is disposed.
Sd (Surendra Singh Meena) (सुरेंद्र ससिंह मीना) Information Commissioner (सूचना आयुक्त) निनां क/Date: 11.02.2026 Authenticated true copy Ramesh Babu Krishnan (रमेश बाबू कृष्णन) Dy. Registrar (उप पंजीयक) 011-26105027 Addresses of the parties:
1. Rakesh Bhatia
2. The CPIO United India Insurance Com.
Ltd, Delhi Regional Office II, Core-1, 2nd Floor, Scope Minar Complex, Laxmi Nagar, Delhi 110092 -
CIC/UIICL/A/2024/138539 Page 6 of 6Recomendation(s) to PA under section 25(5) of the RTI Act, 2005:-
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