documents were referred to in the orders with reference to the page C.A. No.270 of 2012 Page 28 of 35numbers, in which they are available. In the said context, paragraph 6 of the orders of the State Commission assumes relevance and the same to the extent it is relevant, read thus:- “6. Page 125 is the proposal form. Perusal of the same suggests that the amount of Rs. 3,388/- is shown as deposit amount and the risk date is shown to be 28.06.1996. Thus, it will be seen that the policy was desired to be effective and risk commenced retrospectively with effect from 28.06.1996. It is also suggested that the said proposal form was filled in on 09.07.1996. Page 126 reads the same to be suspense memorandum with BOC No. 600392 dated 09 .07 .1996 and the policy of proposal number is shown as F.P. Page 130 reads that next premium would become due on 28.12.1996…….” 24. In the circumstances, referred to in the orders of the District Forum and the State Commission as also noted hereinbefore, the