KULWANT SINGH vs ORIENTAL INS. CO. LTD

The Supreme Court held that a valid driving licence for a light motor vehicle does not authorize the driver to operate a light goods vehicle, thus constituting a breach of the insurance policy. The Court referenced Section 2(21) and (23) of the Motor Vehicles Act, 1988, establishing that the Insurance Company is entitled to recovery rights due to this breach. The High Court's decision granting recovery rights to the Insurance Company was overturned, favoring the appellants, the vehicle owners.