new delhi a consumer court has directed an insurance company to pay rs 47 lakh to the owner of a stolen vehicle and termed its decision to deny him theft claim as unjustifiable and deficiency in service the insurance company has rejected the claim on flimsy grounds thus is guilty of deficiency of service therefore it is liable to pay for the vehicle which was insured and also compensate for causing harassment delhi district consumer forum president m s sabharwal said he directed the new india assurance company ltd to pay rs 45 lakh as insured amount and rs 20000 as compensation to uday singh whose tata dumper was stolen from his residence here three years ago when vehicle insured against theft has been stolen the insurance company is bound to pay the amount to the insurer for which the vehicle was insured the forum comprising s r agrawal as member said the forum rejected the companys plea seeking protection under the terms and condition of indemnity contract singh whose dumper had a permit to ply in haryana and delhi got it insured against theft for rs 45 lakh on march 31 2005 the vehicle was stolen from his house the company alleged that the complainant had used the dumper in delhi in violation of the terms and conditions of the insurance policy which said the vehicle can only be brought here for unloading of goods the complainant however said the vehicle was brought to the city as it developed some mechanical defect taking arguments of both the parties into consideration the forum said the company had failed to prove its contention and directed it to pay the insurance claim to the vehicle owner