1. Leave granted.

2. Whether renewal of a licence granted to drive a motor vehicle which was originally found to be forged would lead to any liability on the part of the insurance company is the core question involved in this appeal which arises out of a judgment and order dated 9.10.2006 passed by National Consumer Disputes Redressal Commission, New Delhi in R.P. No. 2908 of 2006.

3. Respondent is the owner of the vehicle bearing No. HR-37A-5521. He got the said vehicle insured on 10.11.2003 for one year, i.e., upto 9.11.2004. It met with an accident on 20.04.2004 with a truck. The said vehicle was being driven by one Kulbir Singh. Upon investigation made in this behalf, it was found that the licence bearing No. 6604/R-91-92 held by Kulbir Singh was not issued by the Licensing Authority, Solan.

4. However, a complaint petition was filed under Section 12 of the Consumer Protection Act, 1986 before the District Consumer Disputes Redressal Forum complaining deficiency in service for not paying the amount of damages which was covered by the insurance policy, which the appellant was allegedly bound to pay. The said complaint petition was allowed awarding a sum of Rs. 1,23,412/- to