ASHOK GANGADHAR MARATHA vs ORIENTAL INSURANCE CO

The Supreme Court held that under Section 3 of the Motor Vehicles Act, 1988, a person must hold a valid driving license to operate a motor vehicle. The Court found that the appellant's driver did not possess the necessary license to drive a transport vehicle, constituting a breach of the insurance policy terms. Consequently, the Court upheld the National Consumer Disputes Redressal Commission's decision to deny the appellant's claim for damages, affirming that the insurer was not liable to indemnify the appellant due to this violation.