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5.      OP No.3 and 4 filed joint written version, alleging inter alia that the vehicle sustained damage purely due to the negligence on the part of complainant himself.  The severe problem occurred in its engine due to hydro static lock as it was driven in the deep water logged area.  On its inspection by the technicians at the service centre of the OP No.1, traces of water in the engine were discovered which had resulted in hydro static lock problem in the vehicle. Generally hydro static lock problem occurs when a liquid substance gets into the engine cylinder. Infact all this was due to negligence on the part of complainant. The vehicle carries a warranty, for a period of 24 months or 1,00,000 Kms whichever was earlier from the date of sale. In the owner's manual provided to the complainant it is clearly advised for not to drive the vehicle in the deep water. The alleged fault in the engine can never be termed as manufacturing defect. No such complaint was ever reported by the complainant while driving the vehicle for almost 2400 Kms. There was no privity of contract between OP No.3 and complainant. The insurance company has not repudiated any part of his claims on the ground that the damage was due to some defect in the car and same was covered under warranty provided by OPNo.3, hence, not covered under insurance policy. The complainant was not entitled to claim any amount from OP No.3.