CBSE Class 12 Business Studies 2026: question 28
Set in the CBSE Class 12 board exam of 2026, paper 66/5/1, section B, question 28, for 4 marks. Try it first; the hints and our step-by-step solution are below.
Q28 · 4 marks · Long answerCompetency-basedConsumer Protection
Rishabh purchased a car for ₹ 8,00,000. He insured the car on the same day from Alex Insurance Company. Rishabh’s car was stolen in Kedwan while he was on vacation with his family. He promptly filed a First Information Report (FIR), informed the insurer and submitted all the required documents.
To Rishabh’s shock, the insurance company rejected his claim, alleging he had failed to take due care and had parked the car in an unsafe manner. Determined to challenge this, Rishabh wrote multiple letters to the insurance company, but the insurance company refused to pay the compensation.
Rishabh filed a case with District Commission. The District Commission was satisfied with the genuineness of the complaint and ordered the insurance company to pay a reasonable amount.
Identify and explain two consumer rights which have been exercised by Rishabh.
Source: official question paper from cbse.gov.in (PDF). See it in the full 2026 board paper, set 66/5/1.
Hints
Open one hint at a time and try again before the next.
Hint 1
Letters to the company use one right.
Hint 2
A case before the Commission uses another.
Step-by-step solution
Each step shows the marks it earns, as an examiner would award them. Checked by an independent re-solve from the question paper.
- 1 mark
Right to be heard: Rishabh complained to the insurer by writing multiple letters.
- 1 mark
When dissatisfied with a good or service, the consumer has the right to file a complaint and to be heard; that is why many firms set up consumer service and grievance cells.
- 1 mark
Right to seek redressal: he filed a case with the District Commission, which ordered the insurer to pay.
- 1 mark
When a product or service falls short of expectations, the consumer has the right to relief such as replacement, removal of defect or compensation for loss suffered.
Answer: Right to be heard and right to seek redressal.
Where the marks are
- Each right: 1 identification + 1 explanation
Revise the chapter
- Chapter: Consumer Protection (notes, formulas, where marks are lost and every past question)
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