The District Consumer Disputes Redressal Forum has directed Smart App Shield and New India Assurance to pay Rs 61,000 along with compensation of Rs 5,000, besides Rs 2,000 as litigation expenses to Lakhan Arora whose mobile phone was insured by them.
Lakhan Arora had asked the insurers to pay the claim as the handset was snatched from him by unknown persons.
Earlier, Lakhan Arora, a resident of Ranjit Avenue, had filed a complaint against Smart App Shield having its office at South Model Gram, Ludhiana, and the New India Assurance Company.
Arora had purchased a mobile phone costing Rs 61,000 from a shop ‘Punjab Electronics’. He stated that the shopkeeper convinced him to purchase the Smart App Shield, which had an insurance arrangement with New India Assurance. The mobile insurance cover purchased at a cost of Rs 2,299 was to cover the risk of theft, breakage, water damage etc.
Arora’s mobile phone was snatched by unknown persons on December 3, 2014. After which he lodged a police complaint on Majitha Road.
He stated that he had submitted all documents demanded by opposite parties, but insurance amount was not paid even after six months.
In its reply, New India Assurance stated that the complainant was not a consumer of theirs and as such he had not paid any premium to the firm.
However, the forum observed that the complainant had produced on record the customer copy of the insurance policy and the police complaint along with untraceable report. It stated that opposite parties failed to pay the insurance claim to the complainant without any reasonable excuse.
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