TULSIRAM PATELNT Vs. UNITED INDIA INSURANCE CO LTD

JUDGEMENT

(1.) THIS is an appeal under Section 15 of the Consumer Protection Act, 1986 (the Act) directed against the order passed by the District Consumer Disputes Redressal Forum, Raipur (hereinafter referred to as the District Forum) in Complaint No. 15/2005 dismissing the complaint.

(2.) COMPLAINANT has averred that he purchased one Jersey Cow after obtaining loan of Rs. 15,000 from the State Bank of India, Saraipali under the Diary Plus Scheme. An amount of Rs. 810 was paid towards premium and insurance cover from 2.7.2004 to 1.7.2004 obtained. Identification Tag No. NICRIP 25493 was also fixed on the cattle insured. The said cow fell ill and died on 31.7.2004 despite treatment by Dr. Choudhary. Claim submitted to the O.P. was repudiated on the ground that the cattle died within 15 days of commencement of risk and was excluded under terms of the policy.

(3.) QUESTION for consideration is the date of commencement of risk under the policy and whether the insurer O.P. is deficient in service for repudiating the claim.