IFFCO-TOKIO GENERAL INSURANCE COMPANY LIMITED Vs. KAMLESHWATI
UTTARAKHAND STATE CONSUMER DISPUTES REDRESSAL COMMISSION
Iffco -Tokio General Insurance Company Limited
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B.C.Kandpal, President -
(1.) THIS is insurers appeal under Section 15 of the Consumer
Protection Act, 1986 against the order dated 12.12.2011 passed by the
District Forum, Udham Singh Nagar in consumer complaint No. 58 of 2006,
whereby the District Forum has cancelled the claim repudiation letter and
directed the appellant - opposite party No. 1 to settle the claim and
to pay the claim amount to the respondent No. 1 - complainant. The
District Forum also directed the appellant to pay sum of Rs. 3,000/ - to
the respondent No. 1 towards mental agony and Rs. 2,000/ - towards
(2.) BRIEFLY stated, the facts of the case as mentioned in the consumer complaint, are that late Sh. Surendra Singh, the deceased
husband of the complainant, was the Member of opposite party No. 2 -
Samiti. The Members of the Samiti were to be provided insurance cover on
purchase of each bag of Iffco fertilizer for maximum sum of Rs.
1,00,000/ -. The Members of the Samiti were to be insured under Sankat Haran Kisan Gramin Bima Yojana of the appellant. Late Sh. Surendra Singh
purchased fertilizer from the Samiti. The dead body of the insured was
found on 13.12.2005 in Nepal. The complainant lodged the claim, which was
repudiated by the insurance company vide letter dated 01.02.2006.
Alleging deficiency in service on the part of the opposite parties, the
complainant filed a consumer complaint before the District Forum, Udham
(3.) THE insurance company filed written statement before the District Forum and pleaded that as per the Nepali Calendar, the
postmortem of the dead body was conducted on 15.11.2005 and the dead body
was found on 14.11.2005 and on 16.11.2005, the dead body was handed over
to the brother of the deceased - life assured; that the FIR was lodged
on 13.12.2005 and in the said FIR, it was mentioned that the deceased was
missing from 10.12.2005 and hence how the dead body of the deceased could
be found on 14.11.2005; that under the terms and conditions of the
policy, the death of the life assured under the territory of the Union of
India only was covered and that there was no deficiency in service on
their part in repudiating the claim. The Samiti did not file any written
statement before the District Forum.
The District Forum, on an appreciation of the material on record, allowed the consumer complaint vide impugned order dated
12.12.2011 in the above terms. Aggrieved by the said order, the insurance company has filed this appeal.;
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