As per the case facts an insurer appealed an order from the National Consumer Disputes Redressal Commission which directed payment of a sum assured under a Marine Insurance Policy The ... insured's vessel sank due to bad weather and rough tides and a claim was lodged but neither admitted nor repudiated The question arose whether the Consumer Forum correctly allowed the complaint directing the insurer to pay the sum assured under the Marine Insurance Policy Finally the Supreme Court found that the Consumer Forum having limited jurisdiction to determine deficiency in service should not have allowed the complaint based on sketchy pleadings and doubtful evidence The Court also noted that the delay by the Insurance Company in securing the final survey report and issuing the repudiation letter could not by itself lead to the complaint being allowed

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