tact. The liability undertaken by the insurer is to 'indemnify the insured', to meet the claim because of the accident which the insured shall become legally liable to pay in respect of the cause involving death or bodily injury to a person including the person conveyed in or on the motor cycle, provided that such person is not carried for hire or reward, or in respect of the property; to the extent as specified therein. The accident on riding a motorcycle by the owner/insured was declared as not an instance to be covered by the insurer, by the Apex Court, in New India Assurance Company v. Sadanand Mukhi [2009 (2) KLT SN 21 (C No.25) SC = (2009) 2 SCC 417]. The purpose and object of the statue and the scope of contractual insurance were explained in categoric terms, holding that when the owner of the vehicle is proposed to be covered, additional premium is required to be paid. There is no legal liability for the insured, to satisfy any claim to himself and as such, the term, 'any person' mentioned under the clause extracted above does not take in the insured or rider of the motor cycle, who has stepped into the shoes of the insured – as held by the Apex Court in Ningamma's case (cited supra)
