Central Information Commission
Nisha Kumari vs National Insurance Company Limited on 19 November, 2025
केन्द्रीय सूचना आयोग
Central Information Commission
बाबा गंगनाथ मागग, मुननरका
Baba Gangnath Marg, Munirka
नई निल्ली, New Delhi - 110067
File No: CIC/NINCL/A/2024/113330
Nisha Kumari .....अपीलकर्ाग /Appellant
VERSUS
बनाम
PIO,
National Insurance Co.
Ltd Branch Office, Near Town
Planning Office, Hamipur - 177001 ....प्रनर्वािीगण /Respondent
Date of Hearing : 12.11.2025
Date of Decision : 17.11.2025
INFORMATION COMMISSIONER : Vinod Kumar Tiwari
Relevant facts emerging from appeal:
RTI application filed on : 17.01.2024
CPIO replied on : 18.02.2024
First appeal filed on : 28.02.2024
First Appellate Authority's order : 20.03.2024
2nd Appeal/Complaint dated : 25.04.2024
Information sought:
1. The Appellant filed an RTI application dated 17.01.2024 (offline) seeking the following information:
"Related to claim No. 426044442298994065 against policy No. 426044442210000001.CIC/NINCL/A/2024/113330 Page 1 of 4
1. All documents submitted by final surveyor & loss assessor Hardeep Singh Bedi in claim No. 426044442298994065 against policy No. 426044442210000001.
2. All documents related to E-auction/salvage process in above said claim.
3. All photographs taken by spot surveyor, final surveyor & Investigator.
4. Contractors plant & Machinery terms & conditions, guidelines, depreciation chart of the equipment injured in CPM Insurance Policy."
2. The CPIO furnished a point-wise reply to the Appellant on 18.02.2024 stating as under:
"3.1 All documents Spot Survey report, Final Surveyor Report, Investigator report, already stands shared with vide previous RTI Applications filled by your goodself dt 11/07/2023 & 13/10/2023, and subsequent addendum Of Final Survey report also stands shared with your good self via mail from Sh Hardeep Singh Bedi Ji on Jan 11 2024.
3.2 E-Auction is still under progress and your goodself is in CC mailing loop for all the correspondences till now.
3.3 Since Claim servicing office is General Claim HUB Chandigarh, (as already stands apprised to you) currently this office is not in possession and access of all Photographs taken by Spot Surveyor, Final Surveyor and Investigator, However we are sharing with you the few available Photographs by Spot Surveyor and Final Surveyor, via Mail.
3.4 Copy of "Contractor-Plant-and-Machinery_Tariff is being shared herewith."
3. Being dissatisfied, the Appellant filed a First Appeal dated 28.02.2024. The FAA vide its order dated 20.03.2024, held as under:
"Reference to your letter dated 28/02/2024 received by our office dated 01/03/2024. The concerned BO vide mail dated 05/03/2024 and the concerned department vide mail dated 14/03/2024 has replied as under.
1. All documents spot survey report, final surveyor report already stands shared with vide previous RTI applications dt. 11/07/2023 & 13/10/2023 CIC/NINCL/A/2024/113330 Page 2 of 4 and subsequent addendum of Final Survey Report also stands shared with your goodself via mail from Hardeep Singh Bedi ji on 11/01/2024.
2. Regarding E-Auctioning the consent of e-auctioning given by the insured vide mail dated 09/12/2023 and he refused to participate in E- auctioning vide mail dated 10/12/2023.
3. Final Assessment report already shared by our surveyor with the insured vide mail dated 05/01/2024 for his consent with details of salvage amount through E-auctioning process.
4. Copy of "Contractor Plant and machinery_ tariff " has already been shared vide mail dated 05/03/2024. As per CPM policy depreciation is charged as per usage and maintenance of the subject matter of insurance and there is no fixed schedule of depreciation."
4. Feeling aggrieved and dissatisfied, Appellant approached the Commission with the instant Second Appeal.
Relevant Facts emerged during Hearing:
The following were present:-
Appellant: Not Present.
Respondent: Shri Sujeet Chahal, Senior Branch Manager & CPIO present through Video-Conference.
5. Proof of having served a copy of Second Appeal/Complaint on Respondent while filing the same in CIC on 25.04.2024 is available on record.
6. The Respondent while defending their case inter alia submitted that vide their letters dated 18.02.2024 and 20.03.2024, point-wise reply/information, as per the documents available on their record has been provided to the Appellant. The Respondent further apprised the Commission that subject-matter as mentioned in the RTI application is pending before the Consumer Court.
Decision:
7. The Commission upon perusal of records observes that the main premise of instant Appeal was non-furnishing of complete and correct CIC/NINCL/A/2024/113330 Page 3 of 4 information by the CPIO as per her RTI application. The Commission observes that complete point-wise reply/information in the matter has already been provided to the Appellant as per her RTI application informing her the factual position in the matter along with relevant documents within the period stipulated under the RTI Act.
8. It is an admitted fact that the CPIO is only a communicator of information based on the records held in the office and hence, he is not expected to create information as per the desire of the Appellant.
9. In this regard, the Commission finds no infirmity in the reply and as a sequel to it further clarifications tendered by the CPIO during hearing as the same was found to be in consonance with the provisions of RTI Act.
10. The Appellant is not present to contest the submissions of the Respondent or to substantiate her claims further.
11. Intervention of the Commission is not warranted in the matter.
The appeal is disposed of accordingly.
Vinod Kumar Tiwari (विनोद कुमार वििारी) Information Commissioner (सूचना आयुक्त) Authenticated true copy (अनिप्रमानणर् सत्यानपर् प्रनर्) (S. Anantharaman) Dy. Registrar 011- 26181927 Date Copy To:
The FAA National Insurance company Ltd, Regional Office Chandigarh SCO-332-334, Sector-34-A Chandigarh - 160034 CIC/NINCL/A/2024/113330 Page 4 of 4 Recomendation(s) to PA under section 25(5) of the RTI Act, 2005:-
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