[Civil Appeal No. 1004 of 2006]. These appeals are filed by the United India Insurance Company Ltd. against the common final judgment dated 05.07.2004 of the National Consumer Disputes Redressal Commission, New Delhi in First Appeal Nos. 30-33 of 2000 by which the National Consumer Disputes Redressal Commission dismissed their appeals and upheld the order of the State Consumer Commission. These appeals involve a short point. However, to appreciate the point, few facts need mention infra. The appellant - United India Insurance Company Ltd. is the non- applicant whereas the respondent - Leisure Wear Exports Ltd. is the complainant in the complaint filed before the State Consumer Commission, Punjab out of which these appeals arise. The respondent/complainant is engaged in the business of sale of various kinds of hosiery goods and ready-made garments at Ludhiana. They also import and export the goods in which they trade. On 13.06.1996, the respondent obtained from the appellant one Open Marine Policy (Cargo) bearing No. 201002-21-99-042-96.
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