New India Assurance — loss of rice under marine policy no.[protected].

Address: 2655/2 ground floor, NAYA BAZAR, KHARI BAOLI, CHANDNI CHOWK AREA, New Delhi, Delhi, 110006

Dear sir,
We send one consignment of rice to m/s maa laxmi bhandar, badkulla, teharpur, nadia (Wb) cost rs.23, 15, 313.00 vide invoice no. Sv/19-20/050 dated 27 april 2019 and lorry no. Up84t5518, but due to falling rain in that area the rice were damaged. Survey was done by protocol insurance surveyors and loss assessors pvt. Ltd. Noida, in his proceedings they sold our rice in e-auction in only rs.11, 35, 485.00 and send their claim report to insurance co.in this report they assess balance amount of claim only for rs.192, 709.00, when we inquire about this short amount they asked that single carrying limit in our marine policy is rs.5 lacs only, if our limit for single carrying was rs.5 lacs than the surveyor have right to sell rice upto 5 lakhs only not full consignment. But surveyor sold our full consignment in e-auction and make our loss. While in our all previous policies this scl was rs.20 lakhs, we do’t know who reduced this limit from 20 lacs to 5 lacs in this marine policy. Now you are requested to arrange to compensate our full loss.
Thanks