Dulat, J.

1. A passenger bus belonging to the Sheikhupura Transport Company Ltd. met with an accident and two passengers were killed. Their widows and other heirs made claims for compensation before the Tribunal appointed under the Motor Vehicles Act. The bus was insured against third party risks necessary under the Motor Vehicles Act, the insurer being the Northern India Transporters Insurance Company. The Tribunal found that a sum of Rs. 8,000 was payable as compensation to one widow and Rs. 14,000 to the other, and directed under Section 96 of the Motor Vehicles Act that the whole of this compensation be recovered from the insurance company. Against that decision two appeals were filed by the insurance company and two cross-appeals by the claimants, who prayed for higher compensation. The appeals were heard in the first instance by one of us, and the main point taken on behalf of the insurance company was that the insurance concerning passengers was limited to the terms of the Motor Vehicles Act under Section 95(2) and in terms of that section the liability of the insurer was limited to Rs. 20,000 in respect of all the passengers and it was further limited in the case of