Mr. Justice K.K. Srivastava, President—This is an appeal filed against order dated 5.9.2003 passed by District Consumer Disputes Redressal Forum-II (for short hereinafter referred to as the District Forum) in Complaint Case No. 48 of 2002, Devinder Kumar Gupta v. National Insurance Company Ltd.

2. Maruti Omni Van bearing No. CH-03-6675 belonged to the respondent/complainant Shri Devinder Kumar Gupta and the same was duly insured with the appellant - National Insurance Company Limited (for short hereinafter referred to as the Insurance Company) vide policy No. 1575630 under which the period of risk was from 29.8.2000 to 28.8.2001. The said Maruti Omni Van met with an accident on 7.4.2001 near Ajitwal, District Moga in the State of Punjab and was damaged to the considerable extent. A claim was filed by the respondent/complainant with the appellant/O.P. Insurance Company under the terms and conditions of the policy of insurance but the same was repudiated on the ground that the driver of the vehicle namely Parmod Kumar was holding a driving licence for driving scooter/motor cycle/car/jeep only and the same did not authorize him to drive Maruti Omni Van and, as such, the driver did