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Unfortunately, this vehicle was stolen during the intervening night of 18/19.07.2009 by unknown thieves from road no. 56, ISBT Anand Vihar, Delhi, local police was informed and after investigation of the matter police registered the case vide FIR No. 360/09 under Section 384 IPC. The case was investigated by the police which could not find any clue of the theft nor it could trace the vehicle. Police submitted final report on 02.09.2009, the intimation of the theft was also given to the insurance company immediately after the theft, which was acknowledged by the OP vide claim No. 361500310963900000173. After receiving the information investigator/surveyor was appointed by the insurance company to investigate and assess the loss. The complainant received a letter dt. 11.08.2009 and 17.08.2009 from the investigator Laxman Das Arora in which certain papers were demanded and the same were provided to the investigator (annexure-D), complainant also received another letter dt. 08.01.2010 for certain clarifications regarding the date of theft, statement of driver of the vehicle and DD report of police. Reply of this letter was sent by the complainant (annexure-E). Thereafter several more letters were received from the investigator raising certain queries which were being repeated again and again. However, the complainant clarified all the queries raised and also furnished all necessary documents, but, the investigator, just to harass the complainant made an issue in his report that there was difference in the statements of the complainant and his driver and continued asking to clear the difference and doubts. A personal meeting of the complainant with investigator was held and all differences were cleared to the satisfaction of the investigator, but, the insurance company did not settle the insurance claim of the complainant and continued to keep it pending and deputed another investigator to conduct further investigation. Thus, despite all follow ups and compliance made by the complainant nothing happened towards settling the insurance claim. The complainant further sent a legal notice dt. 31.07.2010 to the OP, which was served but the insurance claim was not settled. Later on complainant received letter dt. 03.05.2011 from the OP through which insurance claim of the complainant was repudiated (annexure-K). The repudiation of the claim was totally unfair and unjust which amounts to gross deficiency of service on the part of the OP, the complaint therefore deserves to be allowed.