K. Kannan, J.@mdashThe appeal by the insurance company is against the liability cast on the insurer in spite of the fact that the insurance
company was able to establish through a verification report that the driving licence was not genuine. The Tribunal found that the burden of proof
was on the insurer to establish that the licence was not genuine and no witness from the Licensing Authority had been examined. Learned counsel
appearing for the appellant states that the insurance company did not have any adequate opportunity to examine witness from the licensing
authority since the document itself was filed before the Tribunal only on the last hearing date on 05.10.2010 and soon after the document was
produced, they were able to secure the verification report through the licensing authority and therefore, the reasoning of the Tribunal was not
appropriate.
2. Even if the contention of the insurance company were to be accepted that the driving licence was really a fake one and that could be covered by
the fact that even the driver had admitted to the fact that he had not gone Nagaland at any time to secure the driving licence and it had been
secured through an agent, I will not find this to afford to the insurance company a right to contend that the insured is not entitled to indemnity. The
owner himself was examined as RW-1 and he stated in the cross-examination thus :-
My vehicle is insured vide insurance policy Ex. R4. While appointing the driver Bijender Singh, I checked his driving licence, it was a valid driving
licence for heavy goods vehicle. He was working with me since 2004 when I purchased this truck. Many times, I travelled with him. His licence
was checked by the traffic police at many Nakas.
3. He has stated that he travelled along with him and that there were also occasions when the licence was checked by police at many nakas and
the inference, therefore, was that no one ever suspected the genuineness of the licence. When we are allowing for an insurer to take a defence of
violation of terms of policy, we normally test it on the light of whether there had been any breach of violation of terms of policy by the insured
himself. It is the bona fides of the owner that is material and he ought to have some reason to suspect the genuineness of the same. The case has
still to be held against the insurer for the fact that there was evidence of the owner about the bona fides of belief that the driving licence was
genuine. The award is confirmed and the appeal is dismissed. The amount of Rs. 25,000/- which has been deposited before this Court at the time
of preferring the appeal, is ordered to be transmitted to the Tribunal for part satisfaction of the award.
