NEW INDIA ASSURANCE COMPANY LTD. Vs. SNEH LATA BANSAL
LAWS(DELCDRC)-2009-8-1
DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION
Decided on August 10,2009

NEW INDIA ASSURANCE COMPANY LTD. Appellant
VERSUS
Sneh Lata Bansal Respondents

JUDGEMENT

RUMNITA MITTAL,PRESIDING MEMBER - (1.)VIDE Order dated 1.5.2006 the District Forum held the appellant guilty of deficiency in service in not reimbursing the respondent for the gold chain which was snatched from the neck of the respondent. The appellant was directed to pay a sum of Rs. 40,000 to the respondent together with Rs. 3,000 towards compensation and cost of litigation.
(2.)AGGRIEVED by the aforesaid Order, the appellant has preferred the present appeal on the ground that the chain in question was not covered under the policy and as such there was no deficiency in service on its part in repudiating the claim.
(3.)IN order to appreciate the above contention of the appellant, it is necessary to narrate brief facts of the case as presented before the District Forum.
The respondent Mrs. Sneh Lata Bansal had obtained a Household Articles Insurance Policy from the appellant on 22nd December, 2000 which covered all risks for loss of jewellery and valuables up to a sum of Rs. 1.00 lac under category -3 of the policy. While the respondent was going to the market on 7.8 -2001 her gold chain was snatched by some miscreants for which an FIR was also lodged with P.S. Tilak Nagar. The gold chain weighed about 6 -7 tolas (about 70 -80 Grams) costing more than Rs. 50,000 as the said chain was fitted with diamonds.



Click here to view full judgement.
Copyright © Regent Computronics Pvt.Ltd.