Lakhan Arora, who had his cellphone snatched by a thief, but could not get his insurance company to pay for it has finally found relief from the District Consumer Disputes Redressal Forum here.

The Forum has directed that he be paid a total of Rs. 68,000.

Arora filed a complaint against Smart App Shield and The New India Assurance Company, saying he had bought a mobile phone costing Rs. 61,000, and at the time of purchase, had been persuaded by the shopkeeper to also buy the Smart App Shield which had an insurance agreement with The New India Assurance Company. The insurance cover he had bought cost Rs. 2,299 and offered to cover the risk of theft, breakage and water damage, among other things.

Arora said his phone was stolen, and he had filed a police compliant. All the documents necessary were submitted to the insurance company but the sum was not paid to him.

New India Assurance Company argued that since Arora had not paid a premium to them, he was not a customer of theirs.

After going through all the evidence, the Forum ruled that Arora had been denied the insured sum for no valid reason. It directed the insurer and insurance company to pay Arora the cost of the mobile phone, along with Rs. 5000 as compensation and Rs. 2000 as case costs.


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