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4. He then points out that the policy documents and the cover notes clearly indicate that it was the Bank which had acquired the policies. The first policy for the stock of potatoes stored in the cold storage with the assured Bank clause effective from 04.05.2002 to 08.08.2002 has been filed as Annexure P4 (page

27) to the complaint. The coverage for the stock of potatoes is for three months and the coverage is loss or damage or consequential loss due to "fire and allied perils".