State Consumer Disputes Redressal Commission
M/S. Techno Square Pvt.Ltd. vs B.M. Uco Bank & Anr on 7 November, 2017
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Ltd. dks losZ;j fu;qDr fd;k x;kA rn~uqlkj losZ;j daiuh ds fMIVh tujy eSustj Jh th- ds- ik=k }kjk ifjoknh ds lkFk la;qDr fujh{k.k dj Vhi rS;kj dh xbZA la;qDr fujh{k.k ds nkSjku Jh ik=k us ifjoknh dks funsZf'kr fd;k Fkk fd [kjkc gqbZ e'khuksa dks vyx j[k nsa] mldk tYn gh Dyse fey tk;sxk fdUrq nwljs gh fnu Jh ik=k us lwfpr fd;k fd pwafd vkx fctyh ds dkj.k yxh gS blfy, Dyse ugha feysxkA fnukad&20-04-2016 dks gh ifjoknh us Jh ik=k }kjk dh xbZ dk;Zokgh ds laca/k esa vukosnd dz-1 dks lwfpr fd;k Fkk ftlds mRrj esa vukosnd dz-1 us tokc fn;k gS fd os vukosnd dz-2 ls bl laca/k esa ppkZ dj jgs gSaA ifjoknh us jk;iqj tksuy dk;kZy; vkSj dydRrk tkdj vukosnd dz-2 ds dk;kZy; esa Jh mTtoy/kj ls mDr ?kVuk ds laca/k esa rFkk Dyse lsVy djus ds laca/k esa ppkZ dh xbZ rc mUgksaus crk;k fd 500@&¼ikap lkS :Ik;s½ VkWi&vi }kjk mlh ikWfylh esa // 4 // fctyh laaca/kh ?kVuk dk Hkh chek gks ldrk Fkk tks cSad }kjk ugha djk;k x;kA chek djkrs le; vukosnd dz-1 us ifjoknh dks lwfpr fd;k Fkk fd mlds dkj[kkus dh e'khu vkSj LVkWd dk vkx vkSj pksjh dk chek gks pqdk gS ftls vukosnd dz-1 us vius i= fnukad&26-04-2016 esa Hkh Li"V fd;k gSA chek djkrs le; vukosnd dz-2 ds izfrfuf/k vkSj ,tsaV }kjk tks czks'kj crk;k x;k Fkk mlesa Hkh dgha ij bl ckr dk mYys[k ugha Fkk fd fctyh ds laca/k esa vyx ls chek djk;k tkrk gS cfYd mlesa ,d gh ikWfylh ds ek/;e ls laiw.kZ chek fd;s tkus dk izko/kku crk;k x;k FkkA blds igys tc Hkh ikWfylh dk fjfuoy djk;k x;k rc Hkh vukosndx.k ds }kjk dHkh Hkh lwfpr ugha fd;k x;k fd mDr ikWfylh esa fctyh laca/kh ?kVuk 'kkfey ugha gSA bl izdkj vukosndx.k }kjk rF;ksa dks Nqikdj chek fd;k x;k vkSj tc Dyse nsus dh ftEesnkjh vkbZ rks vukosnd dz-2 ds }kjk fnukad&25-05-2016 dks lwfpr fd;k x;k fd losZ;j ds vuqlkj ifjoknh ds dkj[kkus esa vkx ;k /kq,a ds fu'kku nhoky esa ugha ik;s x;sA blds lkFk gh vukosnd dz-2 us vius i= fnukad&25- 05-2016 ds ek/;e ls ifjoknh ls Dyse QkeZ rFkk ejEer laca/kh dksVs'ku vkfn eaxk;s Fks tks ifjoknh us fnukad&03-06-2016 dks vko';d nLrkost vukosnd dz-2 dks izLrqr dj fn;s gSaA blds ckotwn vukosnd dz-1 ds }kjk muds i= fnukad&20-04-2016 ds }kjk vukosnd dz-2 ls lsVyesaV dk vuqjks/k fd;k x;kA fnukad&26-04-2016 dks vukosnd dz-1 us vukosnd dz-2 dks rFkk muds izfrfuf/k Jh mTtoy/kj dks lacksf/kr djrs gq, Li"V fy[kk gS fd ifjoknh dks tks ikWfylh nh xbZ gS og lcls vPNh // 5 // gS] **csLV ikWfylh gS** ftlesa ifjoknh dh QSDVªh esa yxh vkx Hkh doj gksrh gSA ifjoknh }kjk gj fnu vukosndx.k ls Dyse lsVy fd;s tkus dk vuqjks/k fd;k tk jgk gS fdUrq vkt fnukad rd dksbZ ifj.kke ugha fudyk ftlls ifjoknh dk dkj[kkuk ,oa O;olk; fiNys nks ekg ls can iM+k gS ftlds dkj.k 24]22]062@&¼pkSchl yk[k ckbZl gtkj ck;lB :Ik;s½ ds vykok vU; uqdlku gks jgk gS rFkk izfr"Bku dh lk[k lekIr gqbZ gS ftlls ifjoknh dks xgu ekufld ihM+k gks jgh gSA vukosndx.k }kjk ifjoknh ds i=ksa dk tokc u nsuk Hkh xzkgd ds izfr muds mis{kkiw.kZ ,oa vfM+;y joS;s dk Li"V izek.k gS tks vuqfpr O;kikj O;ogkj dh Js.kh esa vkrk gS ftlds dkj.k ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA mijksDr ds vfrfjDr ekuuh; vk;ksx }kjk fnukad 21-02-2017 ds vkns'k esa vukosnd dz-2 dks vknsf'kr fd;k x;k Fkk dh og ifjoknh }kjk izLrqr Dyse dks nks ekg esa fujkd`r djsxkA fdUrq ;g vR;ar nqHkkZX;tud fLFkfr gS fd vukosnd dz-2 }kjk Dyse dk fujkdj.k uk dj vius /kkuhd mRrjnkf;Ro dh mis{kk rks dh gh xbZ gS lkFk&lkFk ekuuh; vk;ksx tks ekuuh; mPp U;k;ky; ds led{k ,d laoS/kkfud laLFkk gS ds vkns'kksa dk mYya?ku dj mldh voekuuk djus dk nqLlkgl fd;k x;k gS tks vukosnd dz-2 dh ?kfV;k lsokvksa] vksNh ekufldrk rFkk mnaMrk dk ,d Li"V izek.k gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 03- vukosnd dz-1 dh vksj ls fyf[kr dFku izLrqr dj ;g vfHkopu fd;k x;k gS fd vukosnd dz-1 }kjk ifjoknh dh lgefr ls e'khu dk // 6 // 30]00]000@&¼rhl yk[k :Ik;s½dk ,oa Lda/k dk chek 90]00]000@&¼uCcs yk[k :Ik;s½ dqy&1]20]00]000@&¼,d jksM+ chl yk[k :Ik;s½ dk vukosnd dz-2 ls djk;k Fkk ftldh vof/k 20-03-2016 ls 19-03-2017 ds fy, FkhA ifjoknh ds funsZ'kkuqlkj chek dh izhfe;e jkf'k 22]291@&¼ckbZl gtkj nks lkS badkucs :Ik;s½ ifjoknh ds [kkrs ls MsfcV fd;k x;k gS rFkk vukosnd dz-2 ds i{k esa Hkqxrku fd;k x;k gSA chek ds fu;e ,oa 'krksZa dh tkudkjh ifjoknh dks chek daiuh ds izfrfuf/k }kjk fn;k x;k Fkk ,oa czks'kj Hkh fn;k x;k Fkk rFkk ifjoknh dh iw.kZ larqf"V ,oa mldh lgefr ds mijkar gh dfFkr chek vukosnd dz-2 ls djk;k FkkA vukosnd dz-1 us ifjoknh ds nkok dks fujkd`r djus ckcr~ vukosnd dz-2 dks i=kpkj fd;k Fkk fdUrq nkok dks fujkd`r djus dk vafre vf/kdkj vukosnd dz-2 dk gSA vukosnd dz-1 us fdlh izdkj dh lsok esa deh vFkok fuEurk ugha fd;k gS tks vuqfpr O;kikj ,oa O;ogkj dh Js.kh esa vkrk gSA ifjoknh }kjk vukosnd dz-1 dks ijs'kku djus ds mn~ns'; ls i{kdkj cuk;k x;k gSA ifjoknh }kjk dfFkr _.k O;olkf;d mi;ksx ds fy;k x;k FkkA ifjoknh fdlh Hkh chek daiuh ls chek djkus gsrq Lora= Fkk] ifjoknh ftl chek daiuh ls pkgrk chek djk ldrk FkkA ifjoknh] vukosnd dz-1 dk miHkksDrk ugha gSA vukosnd dz-1 }kjk lsok esa dksbZ deh ugha dh xbZ gSA ifjoknh] vukosnd dz-1 ls dksbZ vuqrks"k ikus dk vf/kdkjh ugha gSA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 04- vukosnd dz-2 dh vksj ls fyf[kr dFku izLrqr dj ;g vfHkopu fd;k x;k gS fd ifjoknh ,d izkbZosV daiuh gS tks bysfDVªd iSuy] // 7 // vkS|ksfxd daVªksy Lohp xs;j vkWVkses'ku izksMDV bR;kfn dk fuekZ.k djrh gS] tks miHkksDrk dh Js.kh esa ugha vkrk gSA ifjoknh daiuh }kjk tks fuekZ.k dk;Z fd;k tk jgk gS mldk mn~ns'; O;olkf;d gS vkSj ifjoknh us cSad ls mijksDr dkj[kkuk pykus ds fy, yksu fy;k gS vkSj cSad }kjk _.k ds fy, chek fd;k x;k gSA vukosnd dz-1 }kjk _.k /kkjd VsDuks LDos;j izkbZosV fyfeVsM ds fy, ,d fjyk;al baMLVªh ds;j iSdst ikWfylh uacj&2314362615000085 fnukad&19-03-2016 dks tkjh dh xbZ FkhA chek dh lafonk ds vuqlkj izhfe;e dk Hkqxrku 22]291@&¼ckbZl gtkj nks lkS badkucs :Ik;s½ fd;k x;k Fkk tks fnukad&19-03-2017 rd ds fy, chfer FkhA ifjoknh QeZ dks chek dh lafonk ds varxZr mlds dkj[kkus ds LVkWd] IykaV] e'khujh vkSj LVkWd bu VsªM ds fy, chek Fkk vkSj bUgh oLrqvksa ds fy, Hkwdai ds varxZr Hkh chek FkkA vkxs mijksDr chek ikWfylh esa cjXyjh vkSj gkÅlczsfdax dk Hkh chek fd;k x;k FkkA lsD'ku&6 esa euh ba';ksjsal fd;k x;k Fkk vkSj lsD'ku&10 ds varxZr yhxy ykbZfcfyVh esa deZpkjh dk chek fd;k x;k FkkA ifjoknh ds dkj[kkus esa fnukad&08-04-2016 dks vkx yxh vkSj mijksDr vkx fctyh ds gkbZ oksYVst ds dkj.k yxh FkhA losZ;j ts- ds- ik=k }kjk mijksDr ?kVuk LFky ds fujh{k.k ds mijkar ;g ik;k x;k fd ifjoknh ds dkj[kkus dh e'khuksa esa vkx vkSj /kq,a ds dksbZ fpUg ekStwn ugha FksA cfYd e'khuksa esa tks vkx yxh Fkh og fctyh ds gkbZ oksYVst izokg ds dkj.k yxh Fkh ftldk dojst mijksDr fjyk;al baMLVªh ds;j iSdst ikWfylh esa ugha FkkA bl rjg laifRr dks tks {kfr gksrh gS og {kfr Hkwdai] ck<+] leqnz] rkykc] // 8 // >hy] unh] tyk'k; vkfn dk vksoj¶yks] HkwL[kyu ds dkj.k vkSj ifj.kke Lo:Ik gksus okyh {kfr ds fy, chek daiuh nkf;Rok/khu gSA chek daiuh }kjk fnukad&19-03-2016 dks mijksDr chek ikWfylh tkjh dj nh xbZ gS vkSj ?kVuk fnukad&08-04-2016 dh gSA ifjoknh dks chek ikWfylh izkIr gks pqdh FkhA chek ikWfylh esa 'krksaZ o fu;eksa dk Li"V :Ik ls mYys[k gSA ifjoknh dks chek ikWfylh izkIr gksus ij mlus dHkh Hkh mijksDr ikWfylh ij dksbZ vkifRr i= chek daiuh dks ugha Hkstk vkSj ,d ekg Ik'pkr~ tc nq?kZVuk gks xbZ rc og Ik'pkr~orhZ lksp ds lkFk ifjokn izLrqr fd;k gSA ifjoknh] chek ikWfylh nks ckj ls izkIr dj jgk gS vkSj rhljh ckj Hkh izkIr fd;k rFkk chek ikWfylh ds fu;eksa ,oa 'krksZa dks mlus Lohdkj dj fy;k FkkA blfy, ml ij dksbZ vkifRr ntZ ugha djkbZ cfYd nq?kZVuk gksus ds Ik'pkr~ tku&cw>dj ,sls dFku fd;s tk jgs gSa tks Ik'pkr~orhZ gSA ifjoknh daiuh dks Li"V :Ik ls losZ;j }kjk ;g lwfpr dj fn;k x;k Fkk fd dkj[kkus easa vkx ;k /kq,a ds fu'kku ugha gS ftlds dkj.k mijksDr nkok chek ikWfylh dh 'krksZa ds varxZr Lohdkj fd;s tkus ;ksX; ugha gSA tks chek ikWfylh iznku dh xbZ gS mlh ds vuqlkj gh ifjoknh nkok izkIr djus dk vf/kdkjh gSA chek ikWfylh dh ofMZax QkfeZax ikVZ vkWQ ikWfylh ds vuqlkj gh chek nkok iznku fd;k tk;sxkA chek ikWfylh cSad ds ikl Hkh Fkh vkSj ifjoknh ds ikl Hkh Fkh vkSj nks o"kZ ls mijksDr ikWfylh dk fjfuoy Hkh fd;k tk jgk FkkA ifjokn ds nkos ds laca/k esa losZ;j }kjk viuk rduhdh vfHker tkjh fd;k x;k gS mlds vuqlkj ifjoknh ds dkj[kkus esa e'khuksa esa yxh vkx dk dkj.k fctyh dk gkbZ oksYVst Fkk // 9 // tks ikWfylh ds varxZr doj ugha gSA ifjoknh dk nkok losZ;j fjiksVZ ds vk/kkj ij chek ikWfylh ds fu;e o 'krZ ds vk/kkj ij Lohdkj fd;s tkus ;ksX; ugha Fkk blfy, ifjoknh dk nkok Lohdkj ugha fd;k x;k gS vkSj ifjoknh dk nkok Lohdkj ugha djds vukosnd dz-2 }kjk lsok esa dksbZ deh ugha dh xbZ gSA ifjoknh dk nkok lgh :Ik esa ugha fn;k x;k gS vkSj ifjoknh dks mlds vf/koDrk dk uksfVl Hkh izsf"kr fd;k x;k FkkA ifjoknh ls lfoZl bathfu;j fjiksVZ vkSj nLrkost chek daiuh }kjk vius i= fnukad&25-05-2016 dks ekaxk x;k Fkk ftls ifjoknh }kjk u fn;s tkus ij ifjoknh dk nkok uks Dyse dj fn;k x;k gSA chek ikWfylh dh fu;eksa ,oa 'krksZa dk mYya?ku gksus ls fdlh Hkh nkos vFkok {kfriwfrZ dks iznku djus ds fy, nkf;Rok/khu ugha gSA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 05- ifjoknh dh vksj ls vius i{k leFkZu esa ekuuh; vk;ksx dk vkns'k fnukad 21-02-2017 dh udy layXu A] ifjoknh }kjk izLrqr nok fnukad 01-03-2017 dh udy layXu B] ifjoknh dk iath;u izek.k&i= fnukad 24-11-2004 dh udy layXu 1] ;qdks cSad }kjk _.k Lohd`fr i= fnukad&02-09-2013 dh udy layXu 2] ikWfylh 'ksM~;wy fnukad 19-03- 2016 dh udy layXu 3] vkx yxus dh lwpuk dh udy layXu 4] losZ;j }kjk ifjoknh dks izsf"kr i= fnukad&19-04-2016 dh udy layXu 5] ifjoknh dk i= fnukad&20-04-2016 dh udy layXu 6] cSad dk tokc fnukad&20-04-2016 dh udy layXu 7] vukosnd dz-1 }kjk ifjoknh dks izsf"kr i= fnukad&25-05-2016 dh udy layXu 8] ifjoknh // 10 // dk i= Dyse ,oa dksVs'ku lfgr fnukad&03-06-2016 dh udy layXu 9] ifjoknh dk i= fnukad&25-04-2016 dh udy layXu 10] vukosnd dz-1 dk i= fnukad&26-04-2016 dh udy layXu 11] vukosnd dz-1 dk i= fnukad&06-05-2016 dh udy layXu 12] ifjoknh dk i= fnukad&28-05- 2016 dh udy layXu 13] vukosnd dz-1 dk i= fnukad&26-05-2016 dh udy layXu 14] ifjoknh dk i= fnukad&06-06-2016 ,oa 13-06-2016 dh udy layXu 15] vf/koDrk uksfVl fnukad&26-06-2016 dh udy layXu 16] cSad dh vfHkLohd`fr fnukad 28-06-2016 dh udy layXu 17] vukosnd dz-2 dk iksLVy fjdkMZ fnukad 28-06-2016 dh udy layXu 18] vukosnd dza-2 dk iksLVy dkMZ eqEcbZ fnukad 26-06-2016 dh udy layXu 19] vukosnd dz-1 dk iksLVy fjdkMZ fnukad 28-06-2016 dh udy layXu 20] ifjoknh dk cSad LVsVesaV fnukad 16-05-2016 dh udy layXu 21] fctyh fcy ,Iyhds'ku fcy fnukad 07-05-2016] 05-06-2016]03-07-2016 dh udy layXu 22] jn~n gq, vkns'k fnukad 26-04-2016 dh udy layXu 23] Dyse QkeZ dh izfr fnukad 01-03-2017 dh Nk;kizfr] e'khu dh nLrkost QsgfjLr dh Nk;kizfr] dz; dh xbZ lkeku dh buokbl dkih dh Nk;kizfr] Hkqxrku dh xbZ jlhn dh Nk;kizfr] losZ;j fjiksVZ fnukad 19-04-2016 dh Nk;kizfr] ekuuh; U;k;ky; }kjk fn;s vkns'k fnukad 21-02-2017 dh Nk;kizfr izLrqr fd;k gSA // 11 // 06- vukosnd dz-1 dh vksj ls vius i{k leFkZu esa dsUnzh; dk;kZy; dk i= fnukad 07-07-2016 vly]Vh-,u-cuZoky] mi vapy izeq[k ;wdks cSad dk 'kiFk&i= fnukafdr 07-08-2014 izLrqr fd;k gSA 07- vukosnd dz-2 dh vksj ls vius i{k leFkZu esa izHkkr voLFkh izca/kd ,oa ts- ds- ik=k dk 'kiFk&i= rFkk iziksty QkeZ (Annexure NA2-1)] bZ&esy (Annexure NA2-2)] ikWfylh 'ksM~;wy (Annexure NA2-3)] Dyse QkeZ (Annexure NA2-4)] vf/koDrk uksfVl dk tokc fnukad&05-08- 2016 (Annexure NA2-5)] losZ;j ts- ds- ik=k }kjk fn;k x;k i= fnukad&19-04-2016 (Annexure NA2-6)] losZ;j fjiksVZ fnukad&19-04-2016 (Annexure NA2-7)] chek daiuh }kjk ifjoknh dks izsf"kr uks Dyse i= fnukad&25-05-2016 (Annexure NA2-8)] bZ&esy fnukad&07-07-2016 (Annexure NA2-9)] QkbZuy losZ fjiksVZ fnukad&22-08-2017 (Annexure NA2-10) dh Nk;kizfr izLrqr fd;k gSA 08- ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh th- ih- JhokLro us fyf[kr rdZ izLrqr dj ;g vk/kkj fy;k gS fd ifjoknh daiuh daVªksy Lohp xs;j ,oa vkWVkses'ku izksMDV dks vlsEcy dj bysfDVªdy iSuy ds fuekZ.k ,oa VsfLVax djrh gSA fojks/kh i{kdkj dz-1 }kjk ifjoknh dks fnukad&02-09-2013 dks 60]00]000@&¼lkB yk[k :Ik;s½ dh lh- lh- fyfeV rFkk 30]00]000@&¼rhl yk[k :Ik;s½ dk VeZ yksu Lohd`r fd;k x;k gSA fojks/kh i{kdkj dz-2 ds }kjk fojks/kh i{kdkj dz-1 dks chek dk;Z djus gsrq cSad ba';ksjsal Ldhe ds rgr dkiksZjsV ,tsaV // 12 // fu;qDr fd;k x;k gSA fojks/kh i{kdkj dz-1 }kjk mDr _.k dh lqj{kk gsrq fojks/kh i{kdkj dz-2 ls fnukad&19-03-2016 dks ikWfylh dzekad&231430655000085 ds }kjk e'khu dk 30]00]000@&¼rhl yk[k :Ik;s½ rFkk LVkWd dk 90]00]000@&¼uCcs yk[k :Ik;s½ dk chek djk;k x;k gSA chek dh izhfe;e jkf'k dk izfro"kZ Hkqxrku ifjoknh ds [kkrs ls fd;k tkrk gSA bl o"kZ Hkh 22]291@&¼ckbZl gtkj nks lkS badkucs :Ik;s½ ifjoknh ds [kkrs ls dkVdj Hkqxrku fd;k x;k gSA bl rjg fojks/kh i{kdkj dz-2 ds }kjk mDr laifRr fnukad&20-03-2016 ls 19-03-2017 rd dh vof/k ds fy, chfer dh xbZ gSA fnukad&08-04-2016 dks yxHkx 2%00 cts e/;kUg esa dkj[kkus dh e'khuksa esa vkx yx xbZ Fkh ftlls dkj[kkus dh 80&90 izfr'kr e'khusa tydj u"V gks xbZA rn~uqlkj ifjoknh }kjk fojks/kh i{kdkj dz-1 ,oa 2 dks lwfpr fd;k x;kA fnukad&19-04-2016 dks fojks/kh i{k dz-2 }kjk Cunningham Lindsey International Insurance Surveyors and Loss Assessors Pvt. Ltd. dks losZ;j fu;qDr fd;k x;kA losZ;j daiuh ds fMIVh tujy eSustj Jh ts- ds- ik=k }kjk losZ fd;k x;kA Jh ik=k us ifjoknh dks funsZf'kr fd;k Fkk fd [kjkc gks xbZ e'khuksa dks vyx j[k nsa] mldk tYn gh Dyse fey tk;sxk fdUrq nwljs fnu gh Jh ik=k dks lwfpr fd;k fd pwafd vkx fctyh ds dkj.k yxh gS blfy, Dyse ugha feysxkA ifjoknh us i=kpkj dj nkok dks fujkd`r djus dk vuqjks/k fd;k fdUrq fojks/kh i{kdkj }kjk nkok dk fujkdj.k ugha fd;k x;kA fojks/kh i{kdkj }kjk ifjoknh ds izfr mis{kkiw.kZ joS;k viuk;k tk jgk gS tks fd lsok esa deh ,oa vuqfpr O;kikj dh Js.kh esa vkrk gSA // 13 // ifjoknh daiuh ;|fi O;olkf;d izfr"Bku gS fdUrq mlus tks chek ikWfylh yh gS og izfr"Bku dh lqj{kk gsrq yh gS blfy, og **miHkksDrk** dh Js.kh esa vkrk gSA fojks/kh i{kdkj dz-1 us Lohdkj fd;k gS fd mlus fojks/kh i{kdkj dz-2 ls ifjoknh dh e'khujh ,oa Lda/k dk cSad DykWt ds vuqlkj chek djk;k Fkk rFkk fojks/kh i{kdkj dz-1] fojks/kh i{kdkj dz-2 dk dkiksZjsV ,tsaV gSA bl rjg fojks/kh i{kdkj dz-1 vko';d ,oa fgrc} i{kdkj gSA vfHkdfFkr chek ikWfylh esa ikWfylh ofMZax nh xbZ gS mlesa bl ckr dk dgha mYys[k ugha gS fd ikWfylh esa gkbZ oksYVst }kjk gqvk uqdlku 'kkfey ugha gS ;k mls vioftZr fd;k x;k gSA ifjoknh dks nh xbZ ikWfylh ls ek= Terrorism ls gksus okys uqdlku dks gh vioftZr fd;k x;k gSA pwafd ifjoknh dh laifRr cSad esa fxjoh Fkh vr% mlds chek gsrq ifjoknh cSad ij fuHkZj FkkA cSad }kjk lcls vPNk chek djok;k x;k FkkA fojks/kh i{kdkjx.k us igys dHkh ugha crk;k fd **vkx** esa fctyh ls mRiUu vkx 'kkfey ugha gSA losZ;j dks 24 ?kaVs ds vanj izHkkfor LFky ds QksVksxzkQ ysdj chek daiuh rFkk ifjoknh dks iznku djuk Fkk rFkk 15 fnu ds vanj viuh fjiksVZ nsuh pkfg, FkhA losZ;j dks vkbZ- vkj- Mh- ,- 2015 ds jsX;qys'ku 13@¼1½ ¼d½ ,oa ¼g½ ds vuqlkj losZ dh gkfu dk vuqeku yxkuk pkfg;s FkkA chek daiuh us viuk dksbZ fu.kZ; ugha fd;k vfirq losZ;j ds fu.kZ; ij gh viuh eqgj yxkdj nkok jn~n dj fn;k vkSj mldh lwpuk ifjoknh dks ugha nhA chek daiuh us fnukad&25-05-2016 dks Dyse QkeZ Ms<+ ekg ckn Hkstk gSA ifjoknh us leLr nLrkost fnukad&03-06-2016 dks Hkstk gSA vr% chek daiuh dk // 14 // ;g dguk xyr gS fd ifjoknh }kjk nLrkost ugha nsus ds dkj.k nkok uks Dyse fd;k x;k gSA fojks/kh i{kdkj dz-1 ,oa fojks/kh i{kdkj dz-2 }kjk ifjoknh dh lsok esa deh ds lkFk vuqfpr O;kikj O;ogkj dk vuqlj.k fd;k x;k gSA ifjoknh us mijksDr vk/kkj ij ifjokn&i= dh dafMdk **izkFkZuk** esa of.kZr vuqlkj vurks"k fnyk;s tkus dk fuosnu fd;k gSA 09- ifjoknh us fuEu U;k;n`"Vkarksa ij viuk fo'okl vfHkO;Dr fd;k gS%& 1- esa ;qukbZVsM bafM;k bU';ksjsal daiuh fo- feyki VsyhdkWe izFke vihy dz- 786@2007(NC). order dtd. 04.11.2011.
2- 2007 lhihts 16 ¼,ulh½,,l-,-Hkxoku 'ksV~Vh fo- ;wukbZVsM bU';ksjsal da-fy- order dtd. 01.02.2006.
3- 2007lhihts 48¼,ulh½] ,y-vkbZ-lh- vkWQ bafM;k fo- jke flag- order dtd. 28.11.2006.
4- ¼2007½ lhihts 5¼,l MCyw½ us'kuy ba';ksjsa'k daiuh fy- fo- bZ'ojnkl eny yky -order dtd. 20.02.2007.
10- vukosnd dz-1 dh vksj ls milatkr gksus okys fo}ku vfkoDrk Jh ,u- ds- lkgw dk rdZ gS fd ifjoknh dh lgefr ls e'khu dk 30]00]000@&¼rhl yk[k :Ik;s½ ,oa Lda/k dk 90]00]000@&¼uCcs yk[k :Ik;ss½ dqy 1]20]00]000@&¼,d djksM+ chl yk[k :Ik;s½ dk fojks/kh i{kdkj dz-2 ls chek djk;k x;k Fkk ftldh vof/k fnukad&20-03-2016 ls 19-03-2017 ds fy, FkhA chek dh izhfe;e jkf'k&22]291@&¼ckbZl gtkj nks lkS badkucs :Ik;s½ ifjoknh ds [kkrs ls ukes dj fojks/kh i{kdkj dz-2 dks Hkqxrku fd;k x;k FkkA fojks/kh i{kdkj dz-1 }kjk fn;s x;s _.k ls dz; fd;s x;s e'khujh ,oa Lda/kksa dks tks fojks/kh i{k dz-1 ds ikl // 15 // n`f"Vca/kd ,oa vkMekfur Fkk] dks cSad ds fu;ekuqlkj fojks/kh i{k dz-2 ds ikl chek djk;k x;k FkkA chek fu;e ,oa 'krksZa dh tkudkjh ifjoknh dks chek daiuh ds izfrfuf/k ,oa czkslj }kjk nh xbZ FkhA fojks/kh i{k dz-1 us viuh vksj ls ifjoknh ds nkok dks tYn fujkd`r djus ds mn~ns'; ls fojks/kh i{k dz-2 ls i= O;ogkj fd;k Fkk ftldh tkudkjh ifjoknh dks nh xbZ FkhA ;fn rnqijkar Hkh dksbZ dk;Zokgh ugha dh xbZ rks mlds fy, fojks/kh i{k dz-2 ftEesnkj gSA ifjoknh }kjk dfFkr _.k O;olkf;d mi;ksx ds fy, fy;k x;k FkkA ifjoknh }kjk pkgh xbZ vuqrks"k dks ikus dk vf/kdkjh ifjoknh] fojks/kh i{k dz-2 ls gSA ifjoknh }kjk fojks/kh i{k dz-1 dks fcuk okn dkj.k ds i{kdkj cuk;k x;k gSA fojks/kh i{k dz-1 us fdlh izdkj dh lsok esa deh vFkok fuEurk ugha fd;k gSA vr% ifjoknh] fojks/kh i{k dz-1 ls fdlh izdkj dh {kfriwfrZ ;k vuqrks"k ikus dk vf/kdkjh ugha gSA 11- vukosnd dz-2 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ,l- iaM~;k dk rdZ gS fd ifjoknh ,d izkbZosV fyfeVsM daiuh gS tks bysfDVªd iSuy] vkS|ksfxd daVªksy] Lohp xs;j] vkWVkses'ku izksMDV bR;kfn dk fuekZ.k djrs gSa tks **miHkksDrk** dh Js.kh esa ugha vkrh gSA fojks/kh i{k dz-1 dh vksj ls vius _.k /kkjd VsDuks LDos;j izk- fy- ds fy, fojks/kh i{k dz-2 }kjk ikWfylh tkjh dh xbZ FkhA mDr ikWfylh fnukad&19-03- 2017 rd ds fy, FkhA ifjoknh QeZ dks chek dh lafonk ds varxZr mlds dkj[kkus dk lsD'ku&1 esa dUVsUV~l ds varxZr IykWV] LVkWd e'khujh vkSj LVkWd bu VsªM ds fy, chek FkkA Hkwdai] cxZyjh] // 16 // gkÅlczsfdax euh ba';ksjsal] yhxy ykbZfcfyVh dk chek fd;k x;k FkkA ifjoknh ds dkj[kkus esa fnukad&08-04-2016 dks fctyh ds gkbZ oksYVst ds dkj.k vkx yxh FkhA losZ;j us ik;k Fkk fd e'khuksa esa vkx vkSj /kq,a ds dksbZ fpUg ekStwn ugha FksA {kfr dk dkj.k fctyh dk gkbZ oksYVst c<+us ls gqbZ {kfr ds fy, chek daiuh ftEesnkj ugha gSA chek ikWfylh lafonk dk lkj gS blfy, nksuksa i{k chek ikWfylh ds fu;eksa o 'krksZa dk ikyu djus ds fy, ck/; gSaA ifjoknh ds nkos ds laca/k esa losZ;j }kjk viuk rduhdh vfHker tkjh fd;k x;k gSA mlds vuqlkj ifjoknh ds dkj[kkus esa e'khuksa esa yxh vkx dk dkj.k fctyh dk gkbZ oksYVst Fkk tks ikWfylh ds varxZr doj ugha gSA ifjoknh dk nkok losZ;j fjiksVZ ds vk/kkj ij chek ikWfylh ds fu;e ,oa 'krksZa ds vk/kkj ij Lohdkj fd;s tkus ;ksX; ugha Fkk blfy, ifjoknh dk nkok Lohdkj ugha fd;k x;k gSA ifjoknh dk Dyse Lohdkj ugha djds lsok esa deh ugha dh xbZ gSA ifjoknh }kjk uqdlku ds fy, 24]22]062@&¼pkSchl yk[k ckbZl gtkj ck;lB :Ik;s½ ekaxk tk jgk gS og xyr gSA mlesa fjis;j Hkh lfEefyr gSA izkFkZuk dh dafMdk&2] 3] 4 ds laca/k esa nLrkost ;k fcy izLrqr ugha gS rFkk dafMdk&5 ,oa 6 dYiuk ij vk/kkfjr gksus ds dkj.k fn;s tkus ;ksX; ugha gSA ifjoknh dk nkok chek daiuh us chek ikWfylh ds 'krksZa ,oa fucZU/kuksa ds varxZr lgh :Ik ls [kkfjt fd;k gSA vr% ifjoknh] fojks/kh i{kdkj dz- 2 ls fdlh izdkj dh {kfriwfrZ@vuqrks"k ikus dk vf/kdkjh ugha gSA // 17 // 12- geus mHk;i{k ds fo}ku vf/koDrkx.k dk rdZ Jo.k fd;k rFkk ifjokn&i= dk ifj'khyu fd;k x;kA 13- mHk;i{k ds vfHkopu ds vk/kkj ij fopkj.kh; iz'u ;g mn~Hkwr gksrk gS fd D;k fojks/kh i{k dz-1 ,oa fojks/kh i{k dz-2 }kjk vfHkdfFkr chek ikWfylh ds varxZr ifjoknh dks lsok iznku djus esa dksbZ deh ;k vuqfpr O;olkf;d O;ogkj dk d`R; dkfjr fd;k x;k gS\a mDr dk fujkdj.k fuEukuqlkj fd;k tk jgk gSA 14- vukosnd dz-2 us vius tokcnkok ds dafMdk 3 esa ;g vk{ksi fd;k gS fd ifjoknh ,d izkbZosV fyfeVsM daiuh gS tks mlds dFku ds vuqlkj bysfDVªd iSuy] vkS|ksfxd dUVªksy Lohp xs;j vkVkses'ku izksMDV bR;kfn dk fuekZ.k djrs gSa] tks miHkksDrk dh Js.kh esa ugha vkrh gSA D;ksafd ifjoknh dEiuh }kjk tks fuekZ.k dk;Z fd;k tk jgk gS mldk mn~ns'; O;olkf;d gSA bl laca/k esa fuEu U;k;n`"Vkar voyksduh; gSA 15- M/s. Polyplex Corporation Ltd. Vs. National Insurance Co. Ltd. and Ors. 2017 (2) CPR 58 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "(A) Consumer Protection Act, 1986 - Section 2(1)(d) - Insurance - Damage to UPS - Insurance policy is availed for indemnifying loss which insured many suffer and therefore, services of insurer are availed for protection and not for making profit. It is immaterial // 18 // whether loss is in on account of destruction or damage of a product or it is on account of insured being deprived of profit, which it would in normal course have made, by use of insured product." 16- The Divisional Manager, L.I.C. vs. Shri Bhavanam Srinivas Reddy, 1991 (2) CPR 144 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "3. The first point of objection raised by the Insurance Company before the State Commission and reiterated before us namely is that no dispute arising out of a contract of insurance can be made subject matter of adjudication under the Consumer Protection Act. This contention cannot be sustained in view of decision of this Commission dated July 28, 1989 in Shri Umedilal Aggarwal v. United India Assurance Company Ltd., F.A. Nos.3 and 4 of 1989 (Reported in I (1991) CPJ-3, 1991 (1) CPR 217 (NC), wherein we have held as follows :-
"We find no merit in the contention put forward by the insurance company that a complaint relating to the failure on the part of the insurer to settle the claim of the insured within a reasonable time and the prayer for the grant of compensation in respect of such delay will not fall within the jurisdiction of the Redressal Forums constituted under the Consumer Protection Act. The provision of facilities in connection with insurance has been specifically included within the scope of the express 'service' by the definition of the said word contained in Section 2(i)(o) of the Act. Our attention was invited by Mr. // 19 // Malhotra, learned counsel for the Insurance Company to the decision of the Queen's Bench in National Transit Insurance Company Ltd. vs. Customs and Central Excise Commissioner, (1975) (1) all England Reports Page 303) The observations contained in the said judgment relating to the scope of the expression 'insurance' occurring the schedule of the enactment referred to therein are of no assistance at all to us in this case because the context in which the expression is used in the English enactment considered in the case is entirely different.
Having regard to the philosophy of the Consumer Protection Act and its avowed object of providing cheap and speedy redressal to consumers affected by the failure on the part of persons providing "service" for a consideration, we do not find it possible to hold that the settlement of insurance claims will not be covered by the expression "insurance" occurring in Section 2(1)(d). Whenever there is a default or negligence in regard to such settlement of an insurance claim that will constitute a 'deficiency' in the service on the part of the Insurance company and it will be perfectly open to the concerned aggrieved consumer to approach the Redressal Forums under the Act seeking appropriate relief. We, accordingly over the objection raised by the Insurance Company regarding the jurisdiction of the State Commission to adjudicate upon the complaint.
17. The Divisional Manager, L.I.C. vs. Uma Devi, 1991 (1) CPR 662 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& // 20 // "8. The very fact that the Insurance Act provides for a machinery for remedy for grievances arising out of repudiation of a claim under section 45 leads to show that the Corporation has to satisfy a Court that the repudiation was justified. Accordingly, it is for the consumer to choose a forum convenient to him to seek remedy for the loss suffered because of deficiency in service. As the provisions of this Act are in addition to and not in derogation of any other law for the time being in force, the State Commission has the jurisdiction to entertain the complaint and to investigate whether the repudiation was justified or not and to grant such relief as deems fit if it is satisfied that there was deficiency in service. We therefore, cannot uphold this contention in view of the decision of this Commission in Revision Petition No.12 of 1990 (New India Assurance Co. Ltd. v. Vipro Electronics Pvt. Ltd., 1991 (1) C.P.R. (NC) 531, where the identical point has been elaborately discussed".
18. The New India Assurance Co. Ltd. vs. M/s Vipro Electronics Pvt. Ltd., 1991 (1) C.P.R. (N.C.) 531, esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "We are not impressed with the contention raised by Shri S.K. Paul, learned counsel appearing on behalf of the Petitioner that merely because of Insurer had totally repudiated his liability in respect of the claim, no proceedings could be validly initiated under the Consumer Protection Act by the insurer. This contention squarely falls within the ruling given by this Commission in Ummedilal Agrawal v. United India Assurance Co. Ltd. (O.P.No.3 & 4 of 1989, decided on // 21 // 28.7.1989". In that decision this Commission has observed that it is not possible to hold that settlement of a disputed insurance claim will not be covered by the expression "service" occurring in Section 2(d) of the Act. It was laid down that whenever there is default or negligence in regard to service that will constitute "deficiency in service" on the part of the insurer and it is perfectly open to the aggrieved party for seeking appropriate relief under the Act. In the result, the Revision Petition has no merits and it is accordingly dismissed".
19. M/s. Harsolia Motors vs. M/s. National Insurance Co. Ltd. & Ors. 2005 (1) CPR 1 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "13. In Halabury's Laws of England Vol. 25, 4th Edition, the origin and common principles of insurance is discussed and in paragraph 3 it has been discussed and in paragraph 3 it has been mentioned that it is based on principle of indemnity. Thereafter, relevant discussion is to the effect that most of contract of insurance belong to general category of contracts of indemnity. In the sense that insurers' liability is limited to the actual loss which is , in fact, proved. The contract is one of indemnity and, therefore, insured can recover the actual amount of loss and no more.
14. In this view of the matter, taking of the insurance policy is for protection of the interest of the assured in the articles or goods and not for making any profit or trading for carrying on commercial purpose.
// 22 //
16. We would refer to few relevant judgments :
In Regional Provident Fund Commissioner vs. Shiv Kumar Joshi, (2000) 1 SCC 98, the Court elaborately considered the provisions of Sections 2(1)(d) and 2(1)(o) as well as earlier decisions and held that :-
"The combined reading of the definitions of 'consumer' and 'service' under the Act and looking at the aims and object for which the Act was enacted, it is imperative that the words "consumer" and "service" as defined under the Act should be construed to comprehend consumer and services of commercial and trade-oriented nature only. Thus any person who is found to have hired services for consideration shall 'be deemed to be a consumer notwithstanding that the services were in connection with any goods or their user. Such services may be for any connected commercial activity and may also relate to the services as indicated in Section 2(1)(o) of the Act."
The aforesaid ratio makes it abundantly clear that the services may be for any connected commercial activity, yet it would be within the purview of the Act."
20- vukosnd dz-2 }kjk tks ikWfylh fy;k x;k gS rFkk ifjoknh }kjk vukosnd dz-1 ds ek/;e ls tks ikfylh yh xbZ gS og cSad yksu ls lacaf/kr LVkd ,oa laifRr ds lqj{kk ds fy, yh xbZ gS u fd ykHk vftZr djus ds fy, vkSj blfy, ifjoknh] /kkjk&2 ¼1½ ¼Mh½ miHkksDrk laj{k.k // 23 // vf/kfu;e] 1986] ds varxZr **miHkksDrk** gS ,oa tks fookn gS og **miHkksDrk fookn** gSA 21- izdj.k esa ;g vfookfnr gS fd ifjoknh dks fojks/kh i{kdkj dz-1 cSad }kjk 60]00]000@&¼lkB yk[k :Ik;s½ dk lh- lh- fyfeV ,oa 30]00]000@&¼rhl yk[k :Ik;s½ dk VeZ yksu fn;k x;k gSA fojks/kh i{kdkj dz-2 chek daiuh dk fojks/kh i{kdkj dz-1 cSad dkiksZjsV ,tsaV gS rFkk fojks/kh i{kdkj dz-2 ds chek daiuh ls fojks/kh i{k dz-1 cSad us ifjoknh ds e'khu dk 30]00]000@&¼rhl yk[k :Ik;s½ ,oa LVkWd dk 60]00]000@&¼lkB yk[k :Ik;s½ dk chek djk;k gS ftldk ikWfylh dzekad&2314362615000085 gS tks fd fnukad&20-03-2016 ls 19-03-2017 rd ds fy, oS/k gSA ;g Hkh vfookfnr gS fd ifjoknh ds dkj[kkus esa fnukad&08-04-2016 dks e/;kUg 2%00 cts vkx yx xbZA 22- ifjoknh us vius ifjokn&i= dh dafMdk&7 esa fuEukuqlkj dFku fd;k gS%& ^^7- ;g fd fnukad 08-04-2016 dks yxHkx 2 cts e/;kUg esa dkj[kkus dh e'khuksa esa vkx yx xbZ Fkh ftlls dkj[kkus dh 80&90 izfr'kr e'khus tydj u"V gks xbZ gS rn vuqlkj esjs i{kdkj }kjk fojks/kh i{k dzekad 1 ,oa 2 dks lwfpr fd;k x;k gSA** vukosnd dz-2 us vius tokcnkok ds dafMdk 6 esa fuEukuqlkj mYys[k dj vkx yxus ds laca/k esa LohdkjksfDr fd;k gS%& dafMdk 6 esa ^^;g fd ifjokn i= dh dafMdk 06 ds dFku vLohdkj gSA mijksDr dafMdk ds laca/k esa tokc gS fd ifjoknh ds dkj[kkus esa fnukad 08-04-2016 dks vkx yxhA mijksDr vkx fctyh ds gkbZ oksYVst ds dkj.k yxh FkhA** // 24 // dafMdk 7 esa ^^;g dFku lgh gS fd losZ;j ts-ds-ik=k }kjk mijksDr ?kVuk LFky ds fujh{k.k ds mijkar ;g ik;k x;k fd ifjoknh dkj[kkus dh e'khuksa esa tks vkx yxh Fkh ^^ During our survey we have not observed any sign of presence of fire/smoke marks. As per out observation and as reported by you & as mentioned in our joint Inspection report, the damages are due to electrical surge/High Voltage which is beyond the scope of Fire Section of Reliance Insustry Car package. Please . Please inform, if you taken cover for the same property by any other with 7 days from the receipt of this letter, failing which we will close the calim and advise your underwriters accordingly." losZ;j ts-ds-ik=k us ik;k Fkk fd e'khuksa esa vkx vkSj /kq,a ds dksbZ fpUg ekStwn ugha FksA cfYd e'khuksa esa tks vkx yxh Fkh og fctyh ds gkbZoksYVst izokg ds dkj.k yxh Fkh ftldk dojst mijksDr fjyk;al baMLVªh ds;j iSdst ikfylh esa ugha FkkA bl rjg fctyh dh gkbZoksYVst dh xehZ ls e'kuksa dh {kfr gksuk chek ikfylh esa doj ugha gksrk ftldk Li"V mYys[k ifjoknh }kjk izLrqr chek ikfylh esa Earthquake esa fd;k x;k gSA** dafMdk 16 esa ^^----vr% ifjoknh ds nkos ds laca/k esa losZ;j }kjk viuk rduhdh vfHker tkjh fd;k x;k gS mlds vuqlkj ifjoknh ds dkj[kkus esa e'khuksa esa yxh vkx dk dkj.k fctyh dk gkbZ oksYVst Fkk tks ikfylh ds varxZr doj ugha gSA blfy, mijksDr nkok Lohdkj ugha fd;k x;k gSA** blh rjg losZ;j Jh ts-ds-ik=k ds immidiate loss advice ds i`"V dzekad 3 eas fuEukuqlkj mYys[k gS "When we switched on the Multifunctinal test system, we observed smoke coming out of it"
Bhd blh rjg dk mYys[k Qk;uy losZ;j fjiksVZ ds i`"B dzekad 2 esa fd;k x;k gSA mijksDrkuqlkj vukosnd dz-2 us vius tokcnkok ds mijksDr dafMdkvksa esa ckj&ckj vkx yxus ds laca/k esa LohdkjksfDr fd;k gSA vc gesa ;g fopkj djuk gS fd D;k vkx vfHkdfFkr chek ikfylh ls doj gSA bl laca/k esa ge vukosnd dz-2 ds tokcnkok ds vfrfjDr dFku dh dafMdk 26 m)r dj jgs gSa ftlesa fuEukuqlkj mYys[k gSa%& ^^26- ;g fd] ifjoknh dk nkok lgh :i esa ugha fn;k x;k gS vkSj ifjoknh dks mlds vf/koDrk dk uksfVl Hkh izsf"kr fd;k x;k FkkA ifjoknh ls lfoZl bathfu;j fjiksVZ vkSj Hkh nLrkost chek daiuh }kjk vius i= fnukad 25-05-2016 dks ekaxk x;k Fkk mijksDr // 25 // nLrkost u fn;s tkus ij ifjoknh dk nkok uks Dyse dj fn;k x;k gSA izLrqr chek ikfylh esa Earthquake eas mYys[k gS%& Earthquake (Fire and Shock) "In consideration of the additional premium, it is hereby agreed and declared that notwithstanding anything stated in the printed exclusions of this policy to the contary, this Insurance is extended to cover loss or damage (including loss or damage by fire) to any of the property insured by this policy occasioned by or through or in consequence of earthquake including flood or overflow of the sea, lakes, reservoirs and rivers and/or Landslide/ Rockslide resulting there from."
mijksDr chek ikfylh ifjoknh us Lo;a layXud dza- 03 ds :i eas izLrqr dh gS ftlds vafre i`"B esa ofMZax QkfeZax ikVZ vkWQ ikfylh dk mYys[k gSA blfy, ifjoknh ;g ugha dg ldrk fd mls mijksDr ikfylh ds fu;e dh tkudkjh ugha FkhA mijksDr ikfylh esa Li"V :i ls fdlh izdkj dh gkfu o {kfr vkSj fdlls mijksDr gkfu o {kfr gksxh bldk mYys[k gSA vkx ls {kfr doj gS ijarq fctyh ds ¶yDpq,'ku ls tks uqdlku gqvk o doj ugha gSA blfy, losZ;j }kjk viuh fjiksVZ esa mYys[k fd;k x;k gS fd vkx vkSj /kq,a ds fpUg ekStwn ugha Fks vFkkZr~ mijksDr {kfr fctyh ds ¶yDpq,'ku ds dkj.k mRiUu gqbZ gS ftls chek daiuh }kjk u ns djds lsok esa deh ugha dh xbZ gSA** mijksDr ls ;g fof'k"V :i ls Lohdkj fd;k x;k gS fd ^^vkx ls {kfr doj gS ijarq fctyh ds ¶yDpq,'ku ls tks uqdlku gqvk o doj ugha gSA** vc ;gka gesa bl fo"k; ij fopkj.k djuk gS fd D;k fctyh ds ¶yDpq,'ku ls tks vkx yxh rFkk tks uqdlku gqvk gS og chek ikfylh esa doj gS\ bl laca/k esa ge ;gkWa ifjoknh }kjk izLrqr nLrkost dzekad layXud 3 tks fd Reliance Industry care package policy schedule gS rFkk ;gh nLrkost vukosnd dz-2 }kjk izLrqr 2NA-3 gS esa i`"B 5 ds dafMdk 5 ;gkWa m)r dj jgs gSa%&
5. Terrorism Damage Exclusion Warranty:
"Notwithstanding any provision to the contrary within this insurance it is agreed that this insurance excludes loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss.
// 26 // For the purpose of this warranty an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons whether acting alone or on behalf of or in connection with any organisation (s) or government(s) committed for political, religious, ideological or similar purpose including the intention to influence any government and/or to put the public, or any section of the public in fear.
The warranty also excludes loss, damage cost or expenses of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or to in any way relating to action taken in respect of an act of terrorism."
mijksDr esa dgha Hkh ;g mYys[k ugha gS fd fctyh ds ¶yDpq,'ku ls uqdlku doj ugha gS rFkk losZ;j ts-ds-ik=k ds Immediate loss Advice esa Loss Indemmidiated under policy terms? (Review of applicable policy terms and comments) esa dksbZ ikfylh VeZ~l ds laca/k esa fo'ks"k mYys[k ugha fd;k x;k gSA tgkW rd losZ;j Jh ts-ds-ik=k ds fnukad 22-08-2017 ds Qk;uy losZ fjiksVZ ds [kaM Policy conditions/warranties/Liability dk laca/k gS ftlesa fuEukuqlkj tujy ,DlDyw'ku dk mYys[k gS%& POLICY CONDITIONS/WARRANTIES/LIABILITY As per General Exclusion paragraph of the policy:
"Loss, destruction or damage to any electrical machine, apparatus, fixture, or fitting arising from or occasioned by over-running, excessive pressure, short circuiting, arcing, self heating or leakage of electricity from whatever cause (lightning included) provided that this exclusion shall apply only to the particular electrical machine, apparatus, fixture of fitting so affected and not to othe machines, apparatus, fixtures or fittings which may be destroyed or damaged by fire so set up."
mDr laca/k esa mDr ,DlDyw'ku Dykt dh fof/kor tkudkjh u rks ifjoknh dks nh xbZ gS vkSj u gh ifjoknh ds cSadj vukosnd dz-1 dks nh xbZ gSA rFkk igyh ckj fnukad 22-08-2017 dks Qk;uy lsoZ fjiksVZ esa // 27 // tkudkjh fn;k x;k gSA bl laca/k esa vukosnd dz-2 us dksbZ lk{; izLrqr ugha fd;k gS ftlls fl) gks fd mDr ,DlDyw'ku Dykt dh tkudkjh lE;d ,oa fof/kiw.kZ rjhds ls ifjoknh dks nh xbZ gSA pwafd ifjoknh dks chek 'krZ ftldk mYys[k vukosnd dz-2 us vius cpko esa izLrqr fd;k gS dh izfr ikfylh tkjh djrs le; iznku ugha fd;k x;k Fkk vkSj og chek 'krksZa ds viotZu [kaM ls ifjoknh dks voxr ugha djk;k x;k Fkk blfy, og viotZu [kaM lafonk dk Hkkx ugha ekuk tk ldrkA vr% mDr tujy ,DlDyqlu Dykt ifjoknh ij ca/kudkjh ugha gSA ;gkW rd dh ikfylh 'ksM~;wy esa Hkh mldk mYys[k ugha gSA bl fLFkfr esa ge ;g mfpr le>rs gSa fd vukosnd dz-2 us Qk;uy losZ fjiksVZ esa ;g vuko';d rduhdh vk/kkj fy;k gSA vr% vukosnd dz-2 ds bl vk/kkj dks ge nksuksa i{kksa ds chp viotZu [kaM ds i{k esa lafonk gksuk lkfcr ugha ikrs gSa vkSj blfy, og ifjoknh ij ca/kudkjh ugha gSA 2016(3) CPR 37(NC), New Iandia Assurance Co. Ltd. & anr. Vs. Navsarjan Industrial Cooperative Bank Ltd. Decided on 13.07.2016. U;k;n`"Vkar esa ekuuh; jk"Vªh; vk;ksx us ;g fu/kkZfjr fd;k gS fd U;k;ky; dk ges'kk ;g iz;kl gksuk pkfg, fd lafonk esa tks vfHkO;Dr fd;k x;k gS mls mlh :i esa O;k[;kf;r fd;k tk;sA mijksDrkuqlkj tcfd vukosnd dz-2 us LohdkjksfDr fd;k gS fd vkx ls {kfr dOgj gS rFkk e'khuksa esa tks vkx yxh Fkh og fctth ds gkbZ oksYVst izokg ds dkj.k yxh Fkh ,oa ,Dl¶yw,'ku Dykt esa Li"V :i ls fctyh dh gkbZ oksYVst laca/kh vkx dk mYys[k ugha gksus ls vukosnd dz-2 dh vkifRr fd ^^ifjoknh ds // 28 // dkj[kkus esa e'khuksa esa yxh vkx fctyh dk gkbZ oksYVst Fkk tks ikfylh esa doj ugha gS** Lohdkj ;ksX; ugha gSA 23- ifjoknh us vkx ls {kfr dk vkadyu :-24]22]062@&¼pkSchl yk[k ckbZl gtkj cSlB :i;s½ n'kkZ;k gS] ijarq bl laca/k esa dksbZ fo'ks "kK dk vkadyu izLrqr ugha fd;k gS ogha nwljh vksj vukosnd dz-2 ds }kjk Jh ts-ds-ik=k ykWl ,lslj dk fnukad 22-08-2017 dks fuEukuqlkj ykWl ,lslesaV izLrqr fd;k x;k gS%& Assessment SI. Item Description Qty. Unit Rate Amount(Rs.) IBM Computer Services. Quotation No XX Dated 30.05.2016 1 Camera Repairing IR Bullet 2 Nos 9,000.00 18,000.00 2 Camera Repairing IR Dome 2 Nos 9,000.00 18,000.00 Total 36,000.00 Instrument Sales Corpn Quotation No 146 Dated 22.04.2016 1 Repairing & Calibration of 1 Nos 2,10,000.00 2,10,000.00 Thermo version Camera 2 AC/DC Source & PI Tester 1 Nos 2,20,000.00 2,20,000.00 Total 4,30,000.00 Add VAT @ 14.5% 0.00 Total 4,30,000.00 Rishabh Engineering Services; Estimate Dated 24.04.2016 1 Service Charges for DC Drive 1 Nos 70,000.00 70,000.00 2 Service Charges for AC Drive 2 Nos 80,000.00 1,60,000.00 Total 2,30,000.00 Add VAT @ 14.5% 0.00 Total 2,30,000.00 U.S. Computers, Quotation No 124 Dated 25.04.2016 1 Motherboard & Core 15 CPU 1 Set 12,500.00 12,500.00 2 Motherboard & Core 15 CPU 1 Nos 12,000.00 12,000.00 Total 24,500.00 IBM Computer Services. Quotation No XX Dated 30.05.2016 1 CP Plus 4 Channel DVR 1 Nos 2,500.00 2,500.00 2 Intex UPS 1 Nos 800.00 800.00 // 29 // 3 1 TB HDD Toshiba 1 Nos 4,200.00 4,200.00 Total 7,500.00 PAL Engineering Works Ref No: PEW-EPLAN/TSPL/2016/15 Dated 02.06.2016 1 ELAN Electric Professional 1 Nos 4,34,000.00 0.00 Standalone 2 Mixed Signal Functional Test 1 Nos 11,20,455.00 0.00 System for Electronic & Electrical Test Bench Total 0.00 Gross Assessed Loss 7,28,000.00 Technological Improvement Not Applicable Depreciation/Obsolescence Not Applicable Salvage The insured had not submitted any salvage value. We also understand that, the damaged items being electronic cards/ components, would not fetch any commercial salvage value. However, we have deducted notional salvage value towards damaged material for Rs. 10,000.00 from the loss, which is fair and reasonable in our opinion. Loss Minimization Expenses Not claimed by the insured.
Adequacy of Insurance The insured had not submitted not submitted any documents to verify the adequacy of the sum insured. We have considered sum insured to be adequate in our assessment. However, the insurer may verify the adequacy of the sum insured if desired Deductible 5% of claim Amount subject to minimum of Rs. 10,000.00. We have deducted 5% of the claim amounting to Rs. 35,000.00 from the loss towards policy excess.
Adjustment of Loss Gross Assessed of Loss Gross Assessed Loss Rs. 7,28,000.00 Less Salvage Rs. 10,000.00 Net Loss Rs. 7,18,000.00 Less Under Insurance Rs. Nil Net Assessed Loss Rs. 7,18,000.00 Less Policy Excess @ 5% Rs. 35,900.00 Net Adjusted Loss Rs. 6,82,100.00
losZ;j ,.M ykl ,lslj us Qkbuy losZ fjiksVZ esa ;g mYys[k fd;k gS fd bysDVªhdy ltZ rFkk gkbZoksYVst chek 'krksZ esa vkPNkfnr ugha Fkk] ijarq geus Åij ;g fu/kkZfjr dj fn;k gS fd vukosnd dz-2 // 30 // }kjk viotZu [kaM dks lkfcr ugha dj ldk gS vkSj og ifjoknh ij ca/kudkjh ugha gS blfy, ,slh fLFkfr esa tks losZ;j us {kfriwfrZ dk vkadyu 6]82]100@&¼N% yk[k fc;klh gtkj ,d lkS :i;s½ fd;k gS] mlds vuqlkj ifjoknh {kfriwfrZ ikus dk vf/kdkjh gSA rFkk ifjoknh }kjk ,slk dksbZ lk{; izLrqr ugha fd;k gS ftlds vuqlkj losZ;j fjiksVZ ij vfo'okl fd;k tk ldsA bl rjg mijksDr ,lslesaV ij vfo'okl fd;s tkus dk ge dksbZ vk/kkj ugha ikrs gSa vr,o gekjs erkuqlkj ifjoknh vkx ls {kfr ds fy, :- 6]82]100@&¼NS% yk[k fc;klh gtkj ,d lkS :i;s½ izkIr djus dk vf/kdkjh gSA ifjoknh us vius }kjk ekaxh xbZ vuqrks"k dh dafMdk 2]3]4 ,oa 5 ds laca/k esa dksbZ leqfpr lk{; izLrqr ugha fd;k gSA vr% bl ij vuqrks"k izkIr djus dk vf/kdkjh ugha gSA 24- ifjoknh us vius e'khu ,oa LVkd dk :-90]00]000@&¼uCcs yk[k :i;s½ dk chek vukosnd dz-1 ds ek/;e ls vukosnd dz-2 ls djk;k gSA ifjoknh ds dkj[kkus esa fnukad 08-04-2016 dks vkx yxh FkhA rc ls ifjoknh us vius chek nkok gsrq lrr~ iz;kl fd;k gS ,oa nkok fujkd`r u gksus ij bl vk;ksx ds le{k fnukad 04-10-2016 dks ,d okn lafLFkr fd;k FkkA ftl ij fnukad 21-02-2017 dks vukosnd dz-2 ds le{k chek nkok i=d leLr vkSpikfjdrkvksa ds lkFk izLrqr djus dk vkns'k fn;k x;k Fkk ftls vukosnd dz-2 }kjk nks ekg ds vof/k ds Hkhrj fujkdj.k djuk FkkA ijarq bl vk;ksx ds vkns'k ds ckn Hkh ifjoknh ds chek nkok dk fujkdj.k dj vkSipkfjd :i ls ifjoknh dks tkudkjh ugha nh xbZ // 31 // gSA ifjoknh dks fyf[kr esa nkok fujLrh dh lwpuk ugha nh xbZ gSA ikWfylh /kkjd dks chek dEiuh }kjk mlds nkok ds fujkdj.k ds ckjs esa le; ij lwfpr ugha djuk Hkh lsok esa deh ds varxZr vkrk gSA mijksDr fLFkfr esa ifjoknh dks fuf'pr gh ekufld {kfr igaqph gksxh bl gsrq ekufld {kfriwfrZ ds :i esa :-1]00]000@&¼,d yk[k :i;s½ ifjoknh ikus dk vf/kdkjh gSA ifjoknh okn O;; :-10]000@&¼nl gtkj :i;s½ Hkh izkIr djus dk vf/kdkjh gSA 25- ifjoknh us vius fyf[kr rdZ ds i`"B dzekad 12 esa fuEukuqlkj rdZ fd;k x;k gS ^^bl laca/k esa fojks/kh i{k dz-01 ds }kjk muds bU';ksjsa'k foax ds ek/;e ls fnukad 07@07@2017 dks fojks/kh i{kdkj dz- 02 dks Li"V fd;k x;k gS fd muds }kjk ifjoknh ds nkok fujkdj.k esa foyac fd;s tkus ls ifjoknh dk [kkrk ,u-ih-,- gks x;k gSA vr% nkok dk fujkdj.k 'kh?kz vfr'kh?kz fd;k tkos vkSj bl foyac ds dkj.k cSad dh 'kk[kk Hkh {kfrxzLr gks jgh gS bl izdkj fojks/kh i{k dz-01 ds }kjk lsok esa dksbZ deh ugha dh xbZ gSA** pwafd ifjoknh us vukosnd dz-1 ds laca/k esa lsok esa deh dk dksbZ vk{ksi ugha yxk;k gS vr,o vukosnd dz-1 dks izdj.k esa mUeksfpr fd;k tkrk gSA 26- mijksDr foospuk ds ifjisz{; esa ge bl fu"d"kZ ij igqaprs gSa fd ifjoknh ^^miHkksDrk** gS rFkk vukosndx.k ^^lsok iznkrk** gS rnkuqlkj ifjokn izpyu'khy gSA vukosnd dz-2 us ifjoknh ds chek nkok dks // 32 // Lohdkj ugha dj ,oa le;ij nkok dk fujkdj.k dj lwfpr u dj lsok esa deh dk d`R; dkfjr fd;k gSA rnkuqlkj ifjoknh ykWl ,lslj ds }kjk vkadfyr :-6]82]100@&¼N%yk[k fc;klh gtkj ,d lkS :i;s½ izkIr djus dk vf/kdkjh gS rFkk mDr jkf'k ij okn lafLFkr fnukad ls 9 izfr'kr lk/kkj.k okf"kZd C;kt dh nj ls C;kt izkIr djus dk vf/kdkjh gS vkSj lkFk esa ekufld ihM+k ds fy, :-1]00]000@&¼,d yk[k :i;s½ ,oa okn O;; ds :i esa :-10]000@&¼nl gtkj :i;s½ izkIr djus dk vf/kdkjh gSA rnkuqlkj ifjoknh dk ifjokn vkaf'kd Lohdkj fd;s tkus ;ksX; gSA 27- mijksDr foospuk ds vk/kkj ij ifjoknh dk ifjokn vkaf'kd Lohdkj fd;k tkrk gS vkSj ;g vknsf'kr fd;k tkrk gS fd vukosnd dz-2 bl vkns'k fnukad ls 2 ekg ds Hkhrj fuEukuqlkj jkf'k ifjoknh dks vnk djsxk%& ¼1½ vukosnd dz-2 ifjoknh dks vfHkdfFkr chek ds varxZr {kfr jkf'k :-6]82]100@&¼N% yk[k fc;klh gtkj ,d lkS :i;s½ vkns'k fnukad ls 02 ekg ds Hkhrj vnk djsxkA ¼2½ vukosnd dz-2 ifjoknh dks mDr jkf'k :-6]82]100@&¼N% yk[k fc;klh gtkj ,d lkS :i;s½ ij okn lafLFkr fnukad 11-05- 2017 ls ysdj jde dh vnk;xh fnukad rd 9 izfr'kr lk/kkj.k okf"kZd C;kt dh nj ls C;kt Hkh vnk djsxkA ¼3½ vukosnd dz-2 ifjoknh dks ekufld {kfriwfrZ ds :i esa :-
1]00]000@&¼,d yk[k :i;s½ vnk djsxkA // 33 // ¼4½ vukosnd dz-2 ifjoknh dks okn O;; ds :i esa :-
10]000@&¼nl gtkj :i;s½ Hkh vnk djsxkA ¼ U;k;ewfrZ vkj-,l-'kekZ ½ ¼ Mh- ds- iksn~nkj ½ ¼ ujsanz xqIrk ½ v/;{k lnL; lnL;
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