revealed from the records. But he has not produced any document such as driving licence before the Tribunal to prove that the rider of the motorbike was having an effective and valid driving licence on the date of the accident. In the absence of production of the driving licence, the insurance company is not liable to pay the compensation, since there is violation of terms and conditions of the policy. Therefore, there is no material produced by the appellant/owner before the Tribunal or even before this Court to prove that the rider of the motorbike was having a valid and effective driving licence to ride the same. Only the oral evidence of the owner before the Tribunal is not sufficient to prove that the driver was having driving licence at the relevant point of time. There is no documentary evidence produced to prove the same. But, the fact remains that the rider of the motorbike was not having valid driving licence to ride the same and this defence take by the owner remains unaltered. Therefore, the Tribunal is correct in holding that the appellant is liable to pay the compensation by exonerating the insurance company. Hence, there is no good grounds made out to interfere with the aspect of fastening the
