In the result, the case succeeds also on the ground of deceitful manner of act what has caused mental pain, financial loss to the complainant.

Hence,

Ordered

That the case be and the same is allowed on contest against the OPs 1 to 3 with a cost of Rs.10000/- but cost shall be paid by only OPs 1 and 2.

          OPs 1 and 2 are hereby directed to refund a total amount of Rs. 265500/- to the complainant after deducting 5 percent  as service charge for maintaining the same in the office to the complainant after treating all the policies as cancelled and to the complainant or pay the sum by issuing cheque in the name of respective insured after deducting 5 percent  from the deposited insurance premium to the complainant within one month from the date of this order failing which for non compliance of the Forum-s order penal damage  at the rate of Rs. 300/- per day shall be assessed till full satisfaction of the decree and if it is collected it shall be deposited to this Forum but even after this it is found that OPs are reluctant to comply this order in that case penal action shall be started against them for which further penalty and fine shall be imposed by them.