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First Appeal No. 14 of 2014. Case: Prabh Dayal Wadhwa Vs Aegon Religare Life Insurance Co. Ltd.. Haryana State Consumer Disputes Redressal Commission

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Case NumberFirst Appeal No. 14 of 2014
Party NamePrabh Dayal Wadhwa Vs Aegon Religare Life Insurance Co. Ltd.
CounselFor Appellant: Party-in-person and For Respondents: J.S. Mann, Advocate
JudgesSham Sunder, J. (President) Dev Raj and Padma Pandey, Members
IssueConsumer Law
CitationIII (2014) CPJ 134 (UT Chd.)
Judgement DateMarch 03, 2014
CourtHaryana State Consumer Disputes Redressal Commission

Order:

Dev Raj, Member

  1. This appeal is directed against the order dated 26.11.2013, rendered by the District Consumer Disputes Redressal Forum-II, UT, Chandigarh (hereinafter to be called as the District Forum only) vide which, it disposed of the complaint, filed by the complainant (now appellant) in the following manner:

    10........The opposite parties need to process the claim of the Complainant as per the Regulations reproduced hereinabove. However, before the opposite parties can process the claim, the Complainant needs to make a formal request to the opposite parties for the same, so that the opposite parties can process his claim as per the above clauses.

    11. The complainant may choose to approach the opposite parties for cancellation of the Policy in terms of Clause 7 above, if he desires. Opposite parties should comply with his request in terms of the IRDA Guidelines. Complaint is disposed of accordingly. No costs.

    The facts, in brief, are that in the last week of March, 2010, one Mr. Abhilash Verma, a Business Development Officer, of the opposite parties, approached the complainant, at his residence, for sale of Insurance Policy of the opposite parties, and explained him the main features of the Policy. It was stated that after a day or so, on 29.3.2010, Mr. Vikas Sood, Sales Manager of the opposite parties, approached the complainant, at his residence, with a sale attraction and provided him a special feature of the Policy, in writing, on brochure of the Company, under his signatures, that after 5th year, he could get all the benefits of the Policy with 240% premium bonus. It was further stated that the complainant paid Rs. 40,000, through cheque, to the opposite parties, as premium for the first year, and Policy No. 100311730534 was issued to him on 31.3.2010, which he received at the end of first week of April, 2010 (Annexure C-3). It was further stated that on receipt of the Policy Document, at the start of 2nd week of April, the complainant was stunned to know that somebody forged his signatures, for accepting the terms and conditions on Pages 23 and 28, annexed with the Policy. It was further stated that the complainant immediately contacted the opposite parties, and sent an e-mail to the Grievance Manager on Email-ID i.e. Grievancemanager@aegonreligare.com on 9.4.2010, and lodged his grievance, and also requested to tally his signatures on pages 19 and 28 of the Policy and to withdraw the notings on pages 23/28 of the same or to cancel the same within the free look period without any loss to the complainant.

  2. It was further stated that the complainant, in response to the reply from the opposite parties received on 10.4.2010, which was not satisfactory, again on 21.4.2010 requested them to take remedial measures, against their office/staff and send the original of Page...

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