Regarding fire & theft insurance

Ramesh (Querist) 11 June 2014 This query is : Resolved
The case is in consumer court.

I have a petrol pump started in 1999 covered under fire, theft & burglary insurance a premium paid regular in time till date.

In year 2007 there is theft incident took place in my pump of Rs 2,00,000/- two lakh and we made a police complain (FIR) and inform insurance company for claim.

In police final report after all investigation they have confirm the theft.

The same theft incident happen in other petrol pumps in the city during that period and the news was covered by daily newspaper (Dainik Bhaskar) with details.

The surveyor of the insurance company mention in his report that there is no theft because the records kept by pump boys is not showing shortage of rupees two lakh
but showing plus balance of rupees ten thousand and on this ground he is denied to give claim.

The surveyor has made miss conception in his mind about the cash records kept by pump (petrol delivery) boys who are not educated. We try to convince him about the cash records and our daily practice and procedure for keeping cash & bank records but he refuse and do not want to understand.

Here my plea is :-

(1)The insurance made for theft not for book keeping.

(2)When police is confirm the theft incident and issue final report.Then how come insurance company denied for incident.

(3)According to insurance company theft was not took place it means we have made false complain and police have given fake report then why we both should not punished on this ground.

Please advice me how to over come from this.

Thank you very much in advance for your help.

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Ramesh (Querist) 11 June 2014
Awaiting for advice.

Devajyoti Barman (Expert) 11 June 2014
File a case before the consumer forum. The police report supporting the occurrence of theft will help your case a lot.

Rajendra K Goyal (Expert) 12 June 2014
The case is already in the consumer forum, you should strongly plead your case, you are with the favorable evidences in your favor. Entrust a good lawyer.

Sunil S Nair (Expert) 12 June 2014
How did theft take place is there any cctv camera on your pump what does FIR states this al as to be considered before coming at a conclusion what advise is best for you

Ramesh (Querist) 14 June 2014
We lost in lower consumer court because the Honorable judge did not paid attention to our point.

Now we are in district consumer court.

kindly guide us how to take up the matter.

there was no cctv camera.

police mention in there FR report that the theft has took place and after all there investigation they confirm the theft.