Mr. Jasbir Singh, Member—This appeal under Section 15 of the Consumer Protection Act, 1986 is directed against the order dated 29.4.1999 of the District Forum, Hoshiarpur, allowing the complaint whereby granting the following reliefs :

“The opposite party is ordered to make payment of Rs. 80,000/- to the complainant towards her claim with interest @ 18% per annum from 16.7.1997 and they will also pay cost of Rs. 500/- within two months of the receipt of copy of this order.”

2. The only point involved in this case is whether the driver of the Matador of Registration No. DL-4CE-4203 which was insured with the opposite party from 16.12.1995 to 15.12.1996 vide Cover Note No. 65393 and Policy No. 233104/809/31/96/04483 and which met with an accident near village Rakran Bet near Balachaur on 22.8.1996, held an effective and valid driving licence at the time of accident. It suffices to mention that the opposite party has raised preliminary objection that the complaint is not maintainable as the claim has been repudiated on the ground that Sanjiv Kumar at the time of accident was holding fake driving licence. To support the objection the opposite party has relied upon Ex. O-2 and Ex. O-