Judgement
Ahmedabad Ombudsman Centre
Case No. 11/ 005 / 0045
Shri. M. S. A. Kajalwala
Vs
Oriental Insurance Company Ltd.
Award Dated 6.12.2004
Complainant held a Fire Insurance Policy before his Footwear Shop at Panigate Road,
covering Stocks and Furniture. He then shifted his Shop to another location at Mahavir
Complex. Rioters burnt out the Shop in December 2002. Complainant did not attend in
Hearing.
Respondent submitted that the Shop keepers’ Policy has no provision to extend
Cover to a second location under single Policy and as the loss occurred at the second
location at Mahavir Complex, the Claim is not payable. Documents and submissions
perused. It is observed that the Shopkeepers’ Policy was specifically extended to the Shop
at Panigate Road, and not elsewhere.
As regards the submission of the Complainant that
he had intimated change in location by a letter under Certificate of Posting, it is opined that
merely intimating the change in location is not enough that the Cover was extended to new
location.
Held that the Policy had covered the Shop at Panigate Road, and as the loss was
occurred at a different location, the Respondent had no liability to pay the Claim.
Repudiation sustained
