further argued that the learned District Forum has
erred in holding that STFI coverage is not included in the said
policy. It is further argued ... observing that the
complainant has not paid the premium for the STFI coverage. The
learned District Forum ought to have considered the fact that
further argued that the learned District Forum has
erred in holding that STFI coverage is not included in the said
policy. It is further argued ... observing that the
complainant has not paid the premium for the STFI coverage. The
learned District Forum ought to have considered the fact that
further argued that the learned District Forum has
erred in holding that STFI coverage is not included in the said
policy. It is further argued ... observing that the
complainant has not paid the premium for the STFI coverage. The
learned District Forum ought to have considered the fact that
This policy covers the risk of storm, tempest, flood and inundation (STFI). The policy covered building for Rs.9,00,000/-, plant & machinery ... which was continued since year 2004. In this policy the risk of STFI were not covered and this policy was only for stock
further argued that the learned District Forum has
erred in holding that STFI coverage is not included in the said
policy. It is further argued ... observing that the
complainant has not paid the premium for the STFI coverage. The
learned District Forum ought to have considered the fact that
included the risk from Storm, Tempest, Flood and Inundation (in short, 'STFI'). It is further alleged that in the year 2005 on 26th ... insurance cover was not in respect of any loss caused due to STFI.
2. Being aggrieved of the repudiation of the claim, the complainant filed
clause that was added in the policy, is as follows:-
"STFI CLAUSE warranted that a waiting period of 15 days for all STFI claims ... conditions purported to have annexed to the policy, is absolutely false. The STFI warranty clause is incorporated in the policy schedule itself under the caption
chek dEiuh us uohuhdj.k ds
le; tkucw>dj STFI dh {kfr dks ikWfylh ls gVkdj tkjh dhA ifjoknh us crk;k fd
mlus ... STFI dh {kfr dks dOgj djuk crkdj gh ikWfylh yh FkhA STFI dh {kfr dks
gVkus gsrq mlus vkosnu ugha fn;k FkkA
Tariff Ref.
Description of the Risk
Basic Kutcha
(-) RSKTD/STFI
(+/-) Claim/FEA Disc
(+) E'qke Det. Stock
(+) Forest Spont. Fire
(+) Other
Net Rate ... issuing the above-referred policy, the appellant company did not exclude the STFI cover which admittedly the insured had sought in the proposal submitted
peril of flood and allied perils which are collectively known as STFI
(Storm, Tempest, Typhoons, Flood,
Inundation) by virtue of clause H of the exclusive ... submitted that it was permissible to add on/additional coverage of
STFI on collecting the additional premium prescribed to cover such a risk by
making
