COMPLAINT IS ALLOWED PART WITH COSTS ,THE RESPONDENT ASSURANCE CO IS DIRECTED TO PAY RS 28873 WITH INTEREST 12 PERCENT PER ANNAM FROM 3RD JUNE 1996 I.E  DATE OF REPUDIATION OF THE CLAIM MODE BY THE COMPLAINT  TILL PAYMENT TOGETHER WITH COST OF RS 500 TO THE COMPLAINANT WITH ONE MONTH FROM THE DATE OF COMMUNICATION OF THIS ORDER .