State Consumer Disputes Redressal Commission
Sulzer Processors Pvt. Ltd. vs For Sulzer Processors Pvt. Ltd. on 14 August, 2019
1 jkT; miHkksDrk fookn izfrrks"k vk;ksx] cSap la- 2]jktLFkku] t;iqj ifjokn la[;k %& 100@2015 lYtj izksll s lZ izk-fy- jsYos LVs'ku ds lkeus] ek.My ftyk HkhyokM+k&jkt- tfj;s ikWoj vkWQ vVksZuh Jh vfuy vkRet Jh gjukjk;.k th HkjkfM+;k vk;q 40 lky fuoklh lat; dkWyksuh] HkhyokM+k ftyk HkhyokM+k ifjoknh cuke ;wukbZVsM bf.M;k bU';ksjsal daiuh fy-] izFke eafty] 16 jktsUnz ekxZ] HkhyokM+k jktLFkku 311001 foi{kh le{k % ekuuh; Jh dey dqekj ckxMh] lnL; ¼U;kf;d½ ekuuh; lnL; Jherh ehuk esgrk mifLFkr %& ifjoknh dh vkSj ls Jh gseUr VkWad vf/koDRkk foi{kh dh vksj ls Jh latho vjksM+k vf/koDrk fu.kZ; fnukad 14 vxLr] 2019 jkT; vk;ksx jktLFkku t;iqj ¼}kjk Jh dey dqekj ckxM+h] lnL;] ¼U;kf;d½ ;g ifjokn lYtj izkslsllZ izk-fy- dh vksj ls ;wukbZVsM bf.M;k bU';ksjsal daiuh fy- ds fo:) bl vk;ksx esa fnukad 14 flrEcj] 2015 dks is'k fd;kA 2 izdj.k ds rF; bl izdkj gS fd ifjoknh daiuh us foi{kh chek daiuh ls STANDARD FIRE AND SPEACIAL PERILS POLICY [ DECLARATION BASIS] izkIr dhA ftlds chek ikWfylh uacj 140200@11@13@12@00000050 fnukad 10-05-2013 ls fnukad 09-05-2014 rd dh vof/k ds fy;s FkhA ftldk fizfe;e foi{kh chek daiuh dks ifjoknh us vnk fd;kA nq?kZVuk fnukad 08-12-2013 dks ?kfVr gks xbZ Fkh vkSj foi{kh chek daiuh dks rRdky gh fnukad 08-12-2013 dks lwpuk nh tk pqdh FkhA ifjoknh us mDr lwpuk fn;s tkus ds ckn fof/kor~ dyse vkosnu fnukad 13-03-2014 dks foi{kh chek daiuh dks izLrqr fd;kA foi{kh chek daiuh dks r; vof/k esa lwpuk dj uqdlku ds ckcr~ tkudkjh nh rFkk viuh mDr ikWfylh ds rgr~ Dyse fnukad 13-03-2014 dks izLrqr fd;k ftldks foi{kh chek daiuh us vkaf'kd :i ls Lohdkj dj ifjoknh dks vkaf'kd jkf'k iznku dj nh gSA foi{kh chek daiuh us bl izdkj Dyse jkf'k ls de jkf'k dk Hkqxrku fd;k gSaA fQfu'k QSfczd dh izkslsflax pktsZt ds ckcr~ foi{kh chek daiuh us ifjoknh dks 7]03]782@&:- dk de Hkqxrku fd;k gSa] losZ;j }kjk fMDysjs'ku ikWfylh ds Qsfczd chek /ku dk xyr vkadyu fd;k x;k vkSj foi{kh chek daiuh us ifjoknh dks de chek djus dks vk/kkj cuk dj 39]96]565@&:- dh {kfriwfrZ dk de Hkqxrku fd;k gSaA ifjoknh us fnukad 10-11-201 ls 07-12-2013 dh vof/k dk fMDysjs'ku foi{kh chek daiuh fn;k gS rFkk foi{kh cek daiuh us mDr vof/k dk fMDysjs'ku ifjoknh dk Lohdkj dj mDr fMDysjs'ku ds vk/kkj ij chek fizfe;e izkIr fd;k vkSj mDr fMDysjs'ku ds vk/kkj ij gh foi{kh chek daiuh dks ifjoknh ds {kfriwfrZ jkf'k dh x.kuk dj {kfriwfrZ jkf'k iznku djuh pkfg, Fkh tks ugha dj foi{kh chek daiuh us lsoknks"k dkfjr fd;k gSA ifjoknh ds }kjk fMDysjs'ku vof/k fnukad 10-11-2013 ls fnukad 07-12- 2013 rd dh chek vof/k dh chek fizfe;e jkf'k dk Hkqxrku foi{kh dks fd;kA chek fizfe;e foi{kh chek daiuh us Lohdkj fd;k gS rFkk mDr chek fizfe;e dks foi{kh chek daiuh us chek nkos dks vkaf'kd Lohdkj djus dh fnukad rd ugha ykSVk;k gS u gh vkt fnukad rd v'kar vFkok iw.kZr% ykSVk;k gS u gh mDr fizfe;e dks Lohdkj ugha djus ckcr~ dksbZ vkjfEHkd vkifRr ifjoknh ds le{k ekSf[kd@fyf[kr mBkbZ gSA bl izdkj foi{kh chek daiuh dk O;ogkj ls Hkh fl) gksrk gS fd foI{kh chek daiuh us ifjoknh }kjk fn;s x;s fMDysjs'ku dks lgh eku dj fizfe;e jkf'k izkIr dh gSaA 3 tc fd foi{kh chek daiuh us ifjoknh dks {kfriwfrZ gsrq fMDysjs'ku vof/k fnukad 10-10-2013 ls 09-11-2013 dks vk/kkj eku dj {kfriwfrZ dh x.kuk dh gS tks xyr rkSj ij dh gSA ifjoknh dks vkfFkZd uqdlku ,usDlj 06 ds vuqlkj vf/kd gqvk gS ijUrq ifjoknh mDr en esa 20]00]000@&:- gh foi{kh ls izkIr djuk pkgrk gS cdk;k vkfFkZd uqdlku LosPNk ls NksM+rk gSA foi{kh us ifjoknh dks iw.kZr;k lgh lsok;sa ugha nh gS rFkk fof/k vuqlkj visf{kr dk;Z ugha dj vuQs;j VªsM izsfDVl viuk dj lsoknks"k dkfjr fd;k gS rFkk foi{kh us ifjoknh ds le; ,oa /ku dk viO;; fd;k gS rFkk fujUrj fd;s tk jgk gSA foi{kh ds mDr d`R; ls ifjoknh dks ekufld larki ds lkFk&lkFk vkfFkZd :i ls Hkh uqdlku dkfjr gqk gSA foi{kh ds mDr d`R; ls ekufld larki osnuk dh {kfriwfrZ dk ewY;kadu 10]00]000@&:- rFkk lsoknks"k izR;{k ,oa vizR;{k dk ewY;kadyu 10]00]000@&:-djrk gSA vr% ifjokn esa pkgs x;s vuqrks"k fnyok;s tk;saA ifjoknh dh vksj ls ifjokn ,oa lk{; ds leFkZu es vfuy dk 'kiFk&i= ,oa izn'kZ@1 yxk;r izn'kZ@10 nLrkost izLrqr fd;sA foi{kh dh vksj ls tokc esa ifjoknh daiuh dh vksj ls vfuy HkjkfM+;k dks dksbZ ifjokn izLrqr djus dh Hkh vf/kdkfjrk ugha gSA Qk;j bU';ksjsl ds lac/a k esa izkIr 'kksVZ isesUV laca/kh fookn ds laca/k es gh ikWoj vkWQ vVkuhZ nsus dh vf/kdkfjrk nh xbZ FkhA ifjokn i= ds en la[;k 2 ds en la[;k lh esa ifjoknh }kjk fnukad 08- 12-2013 dks yx xbZ vkx ds dkj.k ifjoknh dh fcfYMax ,oa eky] Qsfczd dks dkQh uqdlku gqvk] ds dFku fd;s gS vkSj mien **bZ** esa ;g Li"V :i ls Lohdkj fd;k gS fd] ** ftldk foi{kh chek daiuh us vkaf'kd :i ls Lohdkj dj ifjoknh dks vkaf'kd jkf'k iznku dj nh gSA foi{kh chek daiuh us bl izdkj Dyse jkf'k ls de jkf'k dk Hkqxrku fd;k gSA ifjoknh us foi{kh lsok iznkrk chek daiuh }kjk de Hkqxrku djus ckcr~ O;fDrxr rkSj ekSf[kd o fyf[kr lwpuk nsus ds ckotwn Hkh foi{kh lsok iznkrk chek daiuh us cdk;k jkf'k dk Hkqxrku ugha fd;k gSA ftl dkj.k ifjoknh dks mDr ifjokni= izLrqr djus dh ukSb;r vk;h gS **A ds vfHkopu fd;s gSA ftudks ns[kus ls Li"V gS fd] 'kksVZ iseUs V vFkok fMQjsal vkWQ vekmaV DysEM ,.M vekmaV isM dh olwyh gsrq Hkh vU; fjyhQ~l ds vykok 4 dfFkr :i ls orZeku ifjokn izLrqr fd;k x;k gSA bl izdkj pkgk x;k fjyhQ miHkksDrk laj{k.k vf/kfu;e ds izko/kkuksa ds rgr~ fdlh miHkksDrk fookn ds vk/kkj ij /kkjk 14 ¼ 1 ½ ¼a½ ls ¼ i ½ ds e/; fjyhQ dh rkjhQ esa ugha vkrk gSA muds }kjk losZ;j o yksl vlslj dks Hkstk tkuk dgk tkrk gS] ;g Li"V :i ls mYysf[kr fd;k gqvk gS fd "We accord our consent to your proposed assessment of our claim except assessment of DPR fabric loss...." mDr dUlsUV ds ckn orZeku ifjokn esa Dyse fd;s x;s fjyhQ tks fQfu'k Qsfczd ds izkslsflax pktsZt dh de vnk dh xbZ fMQjsUl jkf'k 7]03]782@&:- o vU; fjyhQ fMDysjs'ku ikWfylh ds chek/ku ds xyr vkadyu ds vk/kkj ij fMQjsUl jkf'k 39]96]565@&:- Dyse fd;s gq, gS] og ifjoknh djus ls ckf/kr gS] ifjokn i= ds en la[;k 1 i`"B la[;k 3 esa ifjoknh ;g Lohdkj djds vk;k gS fd] foi{kh chek daiuh }kjk fQfu'k Qsfczd pktsZt 55]31]788@&:- dk Hkqxrku ifjoknh dks fd;k tk pqdk gSA chekd`r Qsfczd ds LVkWd esa 5-1126 izfr'kr vaMj bU';ksjsal ds vk/kkj ij :i;s 4206910-45 iSls dh jkf'k tks ns; jkf'k esa ls fMMDV dh xbZ ftldk 95 izfr'kr 39]96]565@&:- gksrk gS ¼ tks jkf'k vc ifjokn esa ifjoknh }kjk Dyse dh xbZ gS½ ds vykok] leLr jkf'k foi{kh chek daiuh }kjk vnk dj nh xbZ gS] tSlk fd Lo;a ifjoknh us vusDlpj&9@3 ¼ isijcqd i`"B la[;k &39½ esa Lohdkj fd;k gS fd] foi{kh chek daiuh }kjk 923-65 yk[k ¼ lkYost dh dher lfgr ½ ifjoknh daiuh dks vnk fd;s tk pqds gS] 44-61 yk[k ,Dll DykWt ds rgr~ fMMDV fd;s x;s gSA foi{kh chek daiuh }kjk orZeku ifjokn eas ftu enksa esa Qk;j Dyse fQfu'k yksl ls lacaf/kr Qsfczd izkslsflax pktsZt o losZ;j }kjk fMDysjs'ku ikWfylh dh Qsfczd chek/ku dk xyr vkadyu ds vk/kkj ij 'kksVZ isesUV@fMQjsal jkf'k ds tks Dyse fd;s gS] ls lacfa /kr Dyse~ ftl jkf'k esa chek daiuh us lSVy fd;s] og jkf'k;kWa Qwy ,.M QkbZuy lsVyesaV vkWQ Dyse ds :i es]a ifjoknh daiuh dks vnk dh tk pqdh gSaA lEiw.kZ ifjokn esa ifjoknh }kjk ;g vfHkdfFkr ugha fd;k x;k fd foi{kh chek daiuh dh lsokvksa esa fdl izdkj dh dksbZ deh vFok lsoknks"k jgk gS] cfYd lEiw.kZ ifjokn esa vfHkopu losZ;j }kjk vkadfyr jkf'k cdkSy ifjoknh lgh :i ls vkadfyr ugha gksus ds dkj.k fMQjsUl dh jkf'k dk vFkok 'kksVZ iseUs V dks vk/kkj cukdj ifjokn izLrqr fd;k gSA 5 fufoZokn :i ls ifjoknh daiuh ,d izkbZosV fyfeVsM daiuh gS] tks fd baM;wtoy g~;weu fcbax uk gksdj] vkfVZfQf'k;y ijlu vFkok yhxy ,UVhVh gS vkSj pafw d dksbZ Hkh vkfVZfQf'k;y ijlu] daiuh vFkok yhxy ,UVhVh] g~;weu fcbZax ;k ekuo ugha gksus ls] ekufld larki izR;{k vFkok vizR;{k vFkok vkfFkZd lsoknks"k tks lacaf/kr ikfylh dh 'krksZ ,oa 'kjk;rksa ds Ldksi ls ckgj gS] dkuwuu Dyse ugha dj ldrhA foi{kh chek daiuh }kjk mlds le{k izLrqr g;s Dyse ds laca/k esa] Qwy ,.M QkbZuy lsVyesaV vkWQ Dyse ds :i esa jkf'k 8]47]54]388@&:-
dk Hkqxrku ifjoknh daiuh dks fd;k tk pqdk gSA ftls ifjoknh daiuh }kjk fcuk fdlh fjtosZ'ku ;k izksVsLV ds Lohdkj fd;k tk pqdk gSA ifjoknh }kjk izLrqr ifjokn uk flQZ fQzfoyl gS] cfYd oSDlsf'k;l~ gSA Dyse lsVyesaV jkf'k ,.M QkbZuy lsVyesaV vkWQ Dyse ds :i esa izkIr djus ds i'pkr~ vk/kkjghu dFkuks aij izLrqr ifjokn] ifjokn dks fQzfoyl ,oa oSDlsf'k;l~ gksuk Li"V djrk gS blfy, ifjokn dks [kkfjt djrs gq;s /kkjk 26 miHkksDrk laj{k.k vf/kfu;e] 1986 ds izko/kkuksa ds rgr~ ifjoknh ds f[kykQ ,DtsEiyjh dkWLV ds :i esa gtkZ fo'ks"k 10]000@&:- dk;e fd;k tkdj mDr jkf'k foi{kh chek daiuh dks fnykus ds vkns'k iznku fd;s tkosaA foi{kh dh vksj ls tokc ,oa lk{; ds leFkZu esa 'kadj 'kekZ dk 'kiFk&i= ,oa izn'kZ &R@1 ,oa izn'kZ &R@2 nLrkost izLrqr fd;sA cgl lquh ,oa i=koyh rFkk nLrkostkr dk voyksdu fd;kA ifjoknh ds nks ifjokn is'k gq, gS] tks dze'k% 100@2015 ,oa 101@2015 gSA ifjoknh dh chek ikfyfl;kWa Fkh] ifjoknh dh QsDVªh esa vkx yx x;h ftlls Hkou iwjh rjg u"V gks x;h] rFkk eky dk Hkh uqdlku gqvk FkkA ;|fi ikfyfl;kWa vyx&vyx Fkh ijUrq QSDVªh ,d gh Fkh mlesa vkx yxh rFkk mldk Dyse vyx vyx is'k fd;k x;kA ifjokn la[;k 100@2015 esa 87]00]347@&:- dk Dyse is'k d;k x;k rFkk ifjokn la[;k 101@2015 esa 93]88]495@&:- dk Dyse is'k fd;k x;k bl izdkj dqy feykdj 1]80]88]842@&:- tks 1 djksM+ :i, ls Åij gSA tc fd okn vk/kkj ,d gh gS] QSDVªh esa vkx yxh ftlls Hkou o eky dks uqdlku igqWapk] ikfyfl;kWa vyx&vyx Fkh blls dksbZ QdZ ugha iM+rk] ;gkWa rd fd losZ fjiksVZ Hkh ,d gh gS] ftlesa Hkou ,oa eky dk 8]87]40]539:- 31 iSls 6 {kfr dk ewY;kadu fd;k x;k rFkk bl {kfr dk Hkqxrku Hkh dj fn;k x;kA ekuuh; jk"Vªh; vk;ksx esa tkus ls cpus ds fy, ;g ifjokn jkT; vk;ksx esa is'k fd;k x;k gSA bl izdj.k esa losZ;j fu;qDr fd;k x;k losZ;j us dqy 8]87]40]539:- 31 iSls {kfr fu/kkZfjr dh ifjoknh ds vuqlkj ;g {kfr mi;qDr ugha gSA ifjoknh us vyx&vyx fglkc ls tksM+dj varj dh jkf'k dh ekax dh gS] tks ,d izdkj ls ys[kk&tks[kk dk izdj.k gSA ;gkWa ;g mYys[k djuk Hkh mfpr gksxk fd losZ;j fjiksVZ ds vuqlkj ifjoknh dks Hkqxrku gks pqdk gS] foi{kh ds vuqlkj ;g Qwy ,.M QkbZuy lsVyesaV ifjoknh dh lgefr ls gqbZ Fkh] ijUrq tSlh Hkh fLFkfr gks foi{kh ds fglkc ds vuqlkj ifjoknh dks Qwy ,.M QkbZuy lsVyesaV Hkqxrku fd;k tk pqdk gS ftls ifjoknh vkaf'kd dgrk gS vkSj og Hkh nsjh ls djus dh ckr dgrk gSA ifjoknh QeZ izk0fy0 QeZ gSA tks d`f=e O;fDr gS uk futh O;fDr] d`f=e O;fDr }kjk ekufld larki o izR;{k ,oa vizR;{k uqdlku vkfFkZd uqdlku ekaxuk mfpr ughaA ;fn ekaxuk pkgs rks og Dyse o nsjh ls fd;s x;s Hkqxrku dh jkf'k ekax ldrk gSA d`f=e O;fDr ds dksbZ ekufld uqdlku ugha gksrkA bl izdj.k esa N. VEERARAGHAVAN dks losZ;j fu;qDr fd;k x;k gS] ftlus foLr`r fjiksVZ nsrs gq, 8]87]40]539:- 31 iSls uqdlku dk vkadyu fd;k gS mlus fcfYMax vlslesVa ds lac/a k esa losZ fjiksVZ esa fuEu vafdr fd;k gS %& Building assessment "The building was completely collapsed and required reconstruction. The insured had completed the reinstatement of the building. Instead of double storied building, the insured is in the process of triple storied building. Till the time of the report, two storied portion were completed. The insured had modified the design of the building. For assessing the loss, We have advised insured to provide an estimate of reconstruction of similar building (pre fire specifications). An estimate of Mr. Brij Kishor Kabra was submitted. The estimate was further adjusted for the unaffected items.
For plant and machinery, FFF, Office equipments, insured agreed not to press for the claim. Hence, the assessment HAS not been done for these assets affected.7
eky ds laca/k esa fuEu vafdr fd;k gS %& Insurance Coverage of DPR Fabric under the policy of Insured "The insured had lodged the claim for DPR (rejected goods due to quality problems). The insured is having two policies. First policy is on Declaration Basis. We have verified previous declarations and found that the insured had only declared stocks of Grey and finished fabric only. Thus, the insured intended to cover Grey and finished fabric under this policy. The other policy was covering stocks in process. The DPR are the rejected goods and cannot be termed as stocks in process. Hence, we have not allowed the same in the assessment. It has to be understood that material which was sent for processing has been processed and returned to parties. On complaint of faulty processing the same goods have been sent back by Parties for reprocessing. Such material also would have to be treated as raw materials under separate heading. However insured has been noticing treating such materials as WIP and their declaration statement over several months do not reflect any such stock. Hence such stock has not been considered as having any insurance interest under the policy and the claim on such stock is disallowed.
rFkk vafre ekdZ ds :i esa fuEu vafdr fd;k x;k gS %& FINAL REMARKS The claim is lodged under the Goods Held in Trust clause. Under this clause, the insured only suffers loss if, he pays to ultimate owner of the goods. The insurers are requested to ensure that the individual parties have been compensated for their loss.
The insured had not violated any of the applicable terms and or conditions of the policy.
We confirm that the reinstatement (to the extent payable under the policy) is completed by the insured.
All the documents submitted by the insured are attached with this survey report.
Insured has given their consent for the loss adjustment explained to them.8
bl izdkj losZ;j us foLr`r {kfr dk vkadyu djds {kfr dk fu/kkZj.k fd;k gS] losZ;j ij lgh fglkc u djus ds fy, fdlh izdkj dk vkjksi ugha gSA losZ fjiksVZ ,d egRoiw.kZ nLrkost gSA bl lac/a k esa (2019) 6 Supreme Court Cases 36 NEW INDIA ASSURANCE COMPANY LIMITED Vs. LUXRA ENTERPRISES PRIVATE LIMITED AND ANOTHER WITH LUXRA ENTERPRISES PRIVATE LIMITED AND ANOTHER Vs. NEW INDIA ASSURANCE COMPANY LIMITED esa ekuuh; loksZPp U;k;ky; us fuEu fu/kkZfjr fd;k gS %& Complainant is an Industrial Unit engaged in manufacture of garments. had obtained a policy of insurance for risk of fire with assured sum of Rs. 85,00,000/-.and Complainant lodged a claim for loss due to fire incident in its factory - Claim of Rs. 54,93,865 was accepted by first surveyor, second surveyor accepted claim in sum of Rs. 24,76,585 while third surveyor recommended total repudiation of claim and it was third surveyor's report which subserved interest of Insurance Company which was made basis of repudiation of claim of complainant of same day, when report was furnished - On facts, held, there was no valid reason for Insurance Company not to accept report of first surveyor nor was there any proof that such report was arbitrary and excessive and there were no cogent reasons to appoint surveyors time and again till such time one surveyor gives a report which could satisfy the interest of Insurance Company -Held, appointment of surveyors was to repudiate claim of complainant on one pretext or the other - Thus, order of National Commission awarding a sum of Rs. 54,93,865/- as compensation for loss suffered on account of damage by fire to complainant, upheld - However, complainant also held entitled to interest on amount of Rs 54,93,865/- @ 6% p.a. from date of filing of petition till payment of amount consumer protection - Services - Insurance
- Fire Insurance - Insurance Act, 1938, S. 64 - UM II (2010) CPJ 1 (SC) SRI VENKATESWARA SYNDICATE Vs. ORIENTAL INSURANCE COMPANY LTD. & ANR. esa ekuuh; loksZPp U;k;ky; us fuEu fu/kkZfjr 9 fd;k gS %& (i) Insurance Act, 1938--Sections 64 UM, 64UM(2), 64UM(3), 64UM(4) -Insurance -Consecutive Surveyors--Appointment of -Surveyors appointed under provision of Insurance Act--Their reports to be given due importance--Sufficient grounds to be given to disagree with assessment made--Insurer cannot go on appointing surveyors without assigning reasons for that -Rejection of report, if arbitrary, based on no acceptable reasons, Courts/other Forums can correct the error committed by insurer while repudiating claim.
ekuuh; loksZPp U;k;ky; }kjk fu/kkZfjr fl)kUrksa ds vuqlkj losZ;j ,d Lora= O;fDr gksrk gS mldh fjiksVZ egRoiw.kZ gksrh gS] mldh fjiksVZ ij tc rd vfo'okl ugha fd;k tkuk pkfg, tc rd ml ij vU;Fkk dksbZ vkjksi ugha gksA ifjoknh us vius ifjokn esa fglkc ds varj ds vykok dksbZ vkjksi ugha yxk;k gSA ,slh fLFkfr esa losZ;j us tks fjiksVZ nh gS ml ij vfo'okl djus dk dksbZ dkj.k utj ugha vkrk gSA mijksDr foospu ds vk/kkj ij ifjoknh ds nksuksa ifjokn [kkfjt fd;s tkus ;ksX; gSA vkns'k vr% ifjoknh ds nksuksa ifjokn [kkfjt fd;s tkrs gSA ¼ ehuk esgrk ½ ¼ dey dqekj ckxMh ½ lnL; lnL; ¼U;kf;d½ @ikBd@ 10