The appellant is the owner of a motor vehicle, the negligent driving of which, by its driver, caused an accident and injuries to the 1st respondent herein. The 1st respondent filed O.P.(MV)No.1339/04 before the Motor Accidents Claims Tribunal, Pathanamthitta. The Tribunal found that the accident occurred because of the negligence of the driver of the vehicle and awarded Rs.94,145/- with interest and costs as compensation to the 1st respondent. Although the vehicle which was a goods vehicle was insured with the 3rd respondent, the Tribunal found that on account of the carrying of 17 passengers in the goods vehicle there was violation of the conditions of the policy and therefore the Insurance Company is not liable to indemnify the appellant for payment of the compensation awarded by the Tribunal to the 1st respondent and permitted the Insurance Company to recover