vil Appeal No 1306 N of 1973
From the Judgment and Order dated 25101971 of the Gujarat High Court in FA No 320 of 1967
G Ramaswamy Additional Solicitor General HK Puri and SC Dhanda for the Appellant
MV Goswami for the Respondents
The Judgment of the Court was delivered by 756 THAKKAR J
While in some States1 a widow of a victim of a motor vehicle accident can recover the amount of compensa tion awarded to her from the Insurance Company in a pre cisely similar fact situation she would be unable to do so in other States2 conflicting views having been taken by the respective High Courts
The unaesthetic wrinkles from the face of law require to be removed by settling the law so that the same law does not operate on citizens differently depending on the situs of the accident
The question is whether the insurer is entitled to claim immunity from a decree obtained by the dependents of the victim of a fatal accident on the ground that the insurance policy provided a condition excluding driving by a named person or persons or by any person who is not duly licensed or by any person who has been disqualified for holding or obtaining a driving licence during the period of disqualification and that such exclusion was permissible in the context of Section 962bii3 for claiming immunity against the obligation to satisfy the judgments against the insured in respect of third party risks
The facts are not in dispute
The Claims Tribunal as also the High Court have concurred with the findings which are recorded in the following passage The accident in question took place on Novem ber 14 1964
The truck had come from Barejadi and had been unloaded at Baroda
The driver had gone for bringing snacks from the opposite shop leaving the engine running
The ignition key was in the ignition lock and not in the cabin in the truck as alleged by the driver
The driver had handed over control of the truck to the cleaner
On these facts the driver having been grossly negligent in leav ing 1
Andhra Pradesh Gujarat
Assam Madhya Pradesh Orissa
Duty of insurers to satisfy judgments against per sons insured in respect of third party risks 1 If after a certificate of insurance has been issued under sub section 4 of Section 95 in favour of the person by whom a policy has been effected judgments in respect of any such liabili ty is required to be covered by a policy under clause b of sub section 1 of Section 95 being a liability covered by the terms of the policy is obtained against any person insured by the policy then nothwithstanding that the insurer may be entitled to avoid or cancel or may have avoided or cancelled the policy the insurer shall subject to the provisions of this section pay to the person enti tled to the benefit of the decree any sum not exceeding the sum assured payable thereunder as if he were the judgment debtor in respect of the liability    757 such a truck with its running engine in the control of the cleaner this being the immedi ate cause of the accident the owner of the car viz the insured was held vicariously liable along with the driver and the cleaner
 The view taken by the High Court has been summed up as under In the present case there is not an allega tion even that the insurer had at any time committed a breach of this condition
The insured has never permitted the cleaner to drive on the fatal occasion
The insured has permitted only the driver who is admittedly the licenced driver
It is the driver s negli gence in leaving the vehicle with its engine running with the ignition key in the ignition lock that resulted in this accident
But for this gross negligence of the driver the cleaner would not have been able to interfere with this vehicle
Once a finding is that the driver in the course of the employment or the master s agent in the course of that agency he negligently left the vehicle with the cleaner the vicarious liability would immedi ately be fastened to the owner of the truck  
Even if vicarious liability arises because of this principle of social justice and not because the owner committed any breach of the policy condition
The owner in the present case never gave permission to this cleaner to drive and therefore the fn 3 contd
No sum shall be payable by an insurer under sub section 1 in respect of any judgment unless before or after the commencement of the proceedings in which the judgment is given the insurer had notice through the Court of the bring ing of the proceedings or in respect of any judgment so long as execution is stayed thereon pending an appeal and an insurer to whom notice of the bringing of any such pro ceeding is so given shall be entitled to be made a part thereto and to defend the action on any of the following grounds namely a
xxx b that there has been a breach of a specified condition of the policy being one of the following conditions namely i xxxx a to d x x x x ii a condition excluding driving by a named person or persons or by any person who is not duly licensed or by any person who has been disqualified for holding or obtaining a driving licence during the period of disqualification or XXXX 758 owner even though he had become liable by reason of his vicarious liability he could not be held guilty of the breach of the contractu al condition embodied in the policy of insur ance
Therefore the insurer cannot plead any exemption on the ground that the owner had committed breach of the specified condition   It has been contended on behalf of the Insurance Company that since admittedly there was an exclusion clause the Insurance Company would not be liable in case at the point of time when the accident occurred the person who had been driving the vehicle was not a duly licensed person to drive the vehicle
It was immaterial that the insured had engaged a licensed driver and had entrusted the vehicle for being driven to the licensed driver
Once it was established that the accident occurred when an unlicensed person was at the wheels the Insurance Company would be exonerated from the liability
The validity of this argument advanced in order to assail the view taken by the High Court has to be tested in the light of the provisions contained in Sections 961 and 962bii of the Act
But before doing so a brief survey of the decisions of the High Courts may be usefully made
Reliance is placed on behalf of the appellant on Kripa Natha Chakravanhy and others vs Rup Chand Lunawar AIR 1955 Assam p 157
The view has been taken therein that while the master is undoubtedly liable for the wrongful conduct or negli gence of his servant where the act or conduct or negligence occurs in the course of the master s employment or in fur therance of his interest notwithstanding the fact that the servant may have been prohibited from doing such an act
The High Court has however proceeded to absolve the Insurance Company from the liability in the light of Section 962 of the Act
The High Court in doing so has not examined or analyzed the provisions of Section 962 and has taken for granted that once it is established that the vehicle was being driven by an unlicensed person the Insurance Company stood exonerated
The decision is therefore of little sig nificance for testing the validity or otherwise of the view taken in the judgment under appeal
The appellant has also relied on Shankar Rao vs Ms Babulal Fouzdar and another AIR 1980 Madhya Pradesh p 154
wherein the High Court has exonerated the Insurance Company on the following reasoning According to one of the terms of the policy of insurance 759 the insurer s liability is subject to the condition that person driving the vehicle holds a licence to drive the vehicle or has held and is not disqualified from holding or obtaining such a licence and provided he is in the employment of insured and is driving on his order or with his permission
Unless the person driving the vehicle falls in that category the insurer is not liable under the policy and is therefore exempted from indem nifying the insured
In the present case apart from the question whether Hari Prasad held a driving licence or not he was neither in the employment of the insured nor was he driving the bus at the time of the accident on the order or with the permission of the in sured
The insurer therefore is exempt from any liability under the terms of the policy and there is no infirmity even in this conclu sion reached by the Tribunal
 It has to be noticed that the conclusion of the High Court is backed only by an assertion and not by reasoning
It is therefore of little assistance in resolving the issue
So also the appellant has placed reliance on Orissa State Commercial Transport Corporation Cuttack vs Dhumali Bewa  Ors
 AIR 1982 Orissa 70 wherein the High Court came to the conclusion that the insurer was not li able
The entire reasoning is contained in the following passage which does not threw any light in regard to the basis of the reasoning or the interpretation of Section 962bii The insurer who is opp
party no2 in the common written statement denied the averments made in the petitions
It contended that it is not liable to compensate the appellant as the vehicle was driven by section Appa Rao who had no driving licence
Further the accident took place near Jetty No 1 which is not a public place
For the aforesaid reasons it is con tended that opp
party No 2 is not liable to indemnify opp
party No 1
 On behalf of the respondents support is sought from Kilari Mammi and others vs Barium Chemicals Ltd  Ors AIR 1979 Andhra Pradesh 75 decided by the Andhra Pra desh High Court which has taken the same view as has been taken by the Gujarat High Court in the judgment under ap peal
Says the High Court If the first respondent had authorised only a licensed 760 driver to drive the vehicle then the defence under section 962 could be rightly invoked by the 4th respondent
But this is a case where due to the negligence of the authorised driver the third respondent a third person drove the vehicle and therefore I do not think the decision relied upon by the learned counsel is of any reliance to the facts of this case
 This decision is also exposed to the same criticism
It is buttressed by ipse dixit  rather than rationation
The respondents have also placed reliance on Dwarka Prasad Jhunjhunwala and another vs Sushila Devi  Ors AIR 1983 Patna 246
It is no doubt true that the High Court has upheld the claim of the insured to be reimbursed by the Insurance Company but as is evident from paragraph 9 of the judgment which is reproduced below things have been taken for granted From the above discussions it is clear and was not disputed that the liability of appel lant No 1 for the negligent act of his driver is there
If appellant No 1 being the owner of the car is liable then I do not see why if the insurance company cannot be fastened with the liability
The appellant had taken an insurance policy to cover the risk against third party
Clause b of Section 951 ensures the person against the liability incurred by him in respect of the death or bodily injury to any person caused by or arising out of the use of the vehicle in public place
In view of this cover the appel lant No 1 appears to me to be certainly entitled to shift the burden of the compensa tion awarded against him on the Insurance company which in this case the car being a private one is unlimited
I would therefore accept the argument of Mr SC Ghose that on the facts and in the circumstances discussed above the liability of appellant No 1 should be shifted from him to the National Insurance Co Ltd respondent No 7
 The question therefore deserves to be examined afresh on its own merits on principle
Now the proposition is incon trovertible that so far as the owner of the vehicle is concerned his vicarious liability for damages arising out of the accident cannot be disputed having regard to the general principles of law as also having regard to the violation of the obligation imposed by Section 84 of the Act which provides that no person driving or in charge of a motor vehicle shall cause or allow the vehicle to remain stationary in any public place 761 unless there is in the deiver s seat a person duly licensed to drive the vehicle or unless the mechanism has been stopped and a brake or brakes applied or such other measures taken as to ensure that the vehicle cannot accidentally be put in motion in the absence of the driver
However in the present case the appellant contends that the exclusion clause is strictly in accordance with the statutorily per missible exclusion embodied in Section 962bii and that under the circumstances the appellant Insurance Company is not under a legal obligation to satisfy the judgment pro cured by the respondents
The defence built on the exclusion clause cannot succeed for three reasons viz 1
On a true interpretation of the relevant clause which interpretation is at peace with the conscience of Section 96 the condition excluding driving by a person not duly licensed is not absolute and the promisor is absolved once it is shown that he has done everything in his power to keep honour and fulfil the promise and he himself is not guilty of a deliberate breach
Even if it is treated as an absolute promise there is substantial compliance therewith upon an express or implied mandate being given to the licensed driver not to allow the vehicle to be left unattended so that it happens to be driven by an unlicensed driver
The exclusion clause has to be read down  in order that it is not at war with the main purpose  of the provisions enacted for the protection of victims of accidents so that the promisor is exculpated when he does every thing in his power to keep the promise
In order to divine the intention of the legislature in the course of interpretation of the relevant provisions there can scarcely be a better test than that of probing into the motive and philosophy of the relevant provisions keeping in mind the goals to be achieved by enacting the same
Ordinarily it is not the concern of the legislature whether the owner of the vehicle insures his vehicle or not
If the vehicle is not insured any legal liability arising on account of third party risk will have to be borne by the owner of the vehicle
Why then has the legislature insisted on a person using a motor vehicle in a public place to insure against third party risk by enacting Section 94
Surely the 762 obligation has not been imposed in order to promote the business of the insurers engaged in the business of automo bile insurance
The provision has been inserted in order to protect the members of the Community travelling in vehicles or using the roads from the risk attendant upon the user of motor vehicles on the roads
The law may provide for compen sation to victims of the accidents who sustain injuries in the course of an automobile accident or compensation to the dependents of the victims in the case of a fatal accident
However such protection would remain a protection on paper unless there is a guarantee that the compensation awarded by the Courts would be recoverable from the persons held liable for the consequences of the accident
A Court can only pass an award or a decree
It cannot ensure that such an award or decree results in the amount awarded being actually recov ered from the person held liable who may not have the resources
The exercise undertaken by the law Courts would then be an exercise in futility
And the outcome of the legal proceedings which by the very nature of things involve the time cost and money cost invested from the scarce re sources of the Community would make a mockery of the injured victim or the dependents of the deceased victim of the accident who themselves are obliged to incur not inconsid erable expenditure of time money and energy in litigation
To overcome this ugly situation the legislature has made it obligatory that no motor vehicle shall be used unless a third party insurance is in force
To use the vehicle with out the requisite third party insurance being in force is a penal offence1 The legislature was also faced with another problem
The insurance policy might provide for liability walled in by conditions which may be specified in the con tract of policy
In order to make the protection real the legislature has also provided that the judgment obtained shall not be defeated by the incorporation of exclusion clauses other than those authorised by Section 96 and by providing that except and save to the extent permitted by Section 96 it will be the obligation of the Insurance Compa ny to satisfy the judgment obtained against the persons insured against third party risks
vide Section 96
In other words the legislature has insisted and made it incum bent on the user of a motor vehicle to be armed with an insurance policy coveting third party risks which is in conformity with the provisions enacted by the legislature
It is so provided in order to ensure that the injured vic tims of automobile accidents or the dependents of the vic tims of fatal accidents are really compensated in terms of money and not in terms of promise
Such a benign provision enacted by the legislature having regard to the fact that in the modern age the use of motor vehicles notwithstanding the attendant hazards has be 1
Section 94 of the  763 come an inescapable fact of life has to be interpreted in a meaningful manner which serves rather than defeats the purpose of the legislation
The provision has therefore to be interpreted in the twilight of the aforesaid perspective
Section 962bii extends immunity to the Insurance Company if a breach is committed of the condition excluding driving by a named person or persons or by any person who is not fully licensed or by any person who has been disquali fied for holding or obtaining a driving licence during the period of disqualification
The expression breach  is of great significance
The dictionary meaning of breach  is infringement or violation of a promise or obligation 1
It is therefore abundantly clear that the insurer will have to establish that the insured is guilty of an infringement or violation of a promise that a person who is duly licensed will have to be in charge of the vehicle
The very concept of infringement or violation of the promise that the expres sion breach  carries within itself induces an inference that the violation or infringement on the part of the promi sor must be a wilful infringement or violation
If the insured is not at all at fault and has not done anything he should not have done or is not amiss in any respect how can it be conscientiously posited that he has committed a breach It is only when the insured himself places the vehicle in charge of a person who does not hold a driving licence that it can be said that he is guilty  of the breach of the promise that the vehicle will be driven by a licensed driver
It must be established by the Insurance Company that the breach was on the part of the insured and that it was the insured who was guilty of violating the promise or infringement of the contract
Unless the insured is at fault and is guilty of a breach the insurer cannot escape from the obligation to indemnify the insured and successfully contend that he is exonerated having regard to the fact that the promisor the insured committed a breach of his promise
Not when some mishap occurs by some mis chance
When the insured has done everything within his power inasmuch as he has engaged a licensed driver and has placed the vehicle in charge of a licensed driver with the express or implied mandate to drive himself it cannot be said that the insured is guilty of any breach
And it is only in case of a breach or a violation of the promise on the part of the insured that the insurer can hide under the umbrella of the exclusion clause
In a way the question is as to whether the promise made by the insured is an absolute promise or whether he is exculpated on the basis of some legal doctrine
The discussion made in paragraph 239 of Breach of Contract by Carter 1984 Edition under the head Proof of Breach 1 See Collins English Dictionary
764 gives an inkling of this dimension of the matter1 In the present case even if the promise were to be treated as an absolute promise the grounds for exculpation can be found from Section 84 of the Act which reads under 84
Stationary vehicles No person driving or in charge of a motor vehicle shall cause or allow the vehicle to remain stationary in any public place unless there is in the driver s seat a person duly licensed to drive the vehicle or unless the mechanism has been stopped and a brake or brakes applied or such other measures taken as to ensure that the vehicle cannot accidentally be put in motion in the absence of the driver
 In view of this provision apart from the implied mandate to the licensed driver not to place an unlicensed person in charge of the vehicle
There is also a statutory obligation on the said person not to leave the vehicle unattended and not to place it in charge of an unlicensed driver
What is prohibited by law must be treated as a mandate to the em ployee and should be considered sufficient in the eye of law for excusing non compliance with the conditions
It cannot therefore in any case be considered as a breach on the part of the insured
To construe the provision differently would be to re write the provision by engrafting a rider to the effect that in the event of the motor vehicle happening to be driven by an unlicensed person regardless of the circum stances in which such a contingency occurs the insured will not be liable under the contract of insurance
It needs to be emphasised that it is not the contract of insurance which is being interpreted
It is the statutory provision defining the conditions of exemption which is being interpreted
These must therefore be interpreted in the spirit in which the same have been enacted accompanied by an anxiety to ensure that the protection is not nullified by the backward looking interpretation which serves to defeat the provision rather than to fulfil its life aim
To do otherwise would amount to nullifying the benevolent provision by reading it with a non benevolent eye and with a mind not tuned to the purpose and 1
Exculpation of a promisor
Given a presumption of abso luteness of obligation a promisor who is alleged to have failed to perform must either prove performance or establish some positive excuse for any failure on his part
In other words he must find exculpation from what is presumed to be a breach of contract either in the contract itself or in some external rule of law
These are five grounds for exculpa tion construction of the contract the doctrine of frustra tion the existence of an implied term the presence of an exclusion clause and the application of a statutory rule or provision
These will be considered later 765 philosophy of the legislation without being informed of the true goals sought to be achieved
What the legislature has given the Court cannot deprive of by way of an exercise in interpretation when the view which renders the provision potent is equally plausible as the one which renders the provision impotent
In fact it appears that the former view is more plausible apart from the fact that it is more de sirable
When the option is between opting for a view which will relieve the distress and misery of the victims of accidents or their dependents on the one hand and the equal ly plausible view which will reduce the profitability of the insurer in regard to the occupational hazard undertaken by him by way of business activity there is hardly any choice
The Court cannot but opt for the former view
Even if one were to make a strictly doctrinaire approach the very same conclusion would emerge in obeisance to the doctrine of reading down  the exclusion clause in the light of the main purpose  of the provision so that the exclusion clause  does not cross swords with the main purpose  high lighted earlier
The effort must be to harmonize the two instead of allowing the exclusion clause to snipe success fully at the main purpose
This theory which needs no sup port is supported by Carter s Breach of Contract Vide paragraph 251
To quote Notwithstanding the general ability of con tracting parties to agree to exclusion clause which operate to define obligations there exists a rule usually referred to as the main purpose rule which may limit the application of wide exclusion clauses defining a promisor s contractual obligations
For example in Glynn vs Margetson  Co at 357 Lord Halsbury LC stated It seems to me that in construing this docu ment which is a contract of carriage between the parties one must be in the first instance look at the whole instrument and not at one part of it only
Looking at the whole instru ment and seeing what one must regard   as its main purpose one must reject words indeed whole provisions if they are inconsistent with what one assumes to be the main purpose of the contract
 Although this rule played a role in the devel opment of the doctrine of fundamental breach the continued validity of the rule was ac knowledged when the doctrine was rejected by the House
of Lords in Suissee Atlantigue Societed  766 Armement Maritime SAv
NV Rotterdamsche Kolen Centrale at 393412 413427 428 430
Accordingly wide exclusion clauses will be read down to the extent to which they are inconsistent with the main purpose or object of the contract
 _ Exphasis added
In our opinion therefore the High Courts of Gujarat and Andhra Pradesh are right and the High Courts of Orissa Patna and Madhya Pradesh are in error
The exclusion clause does not exonerate the Insurer
The appeal accordingly fails and is dismissed with costs
APJ Appeal dismissed


Summary:
The driver of a truck handed over the control of his vehicle to the cleaner while its engine was running and the ignition key was in the ignition lock
In the absence of the driver who had gone for bringing snacks the cleaner inter fered with the vehicle
which resulted in an accident
The Tribunal as well as the High Court held that this being the immediate cause of the accident the owner of the truck was vicariously liable
The High Court further held that since the owner never gave permission to his cleaner to drive he could not he held guilty of the breach of the contractual condition embodied in the policy of insurance and therefore the insurer cannot plead any exception on the ground that the owner had committed breach of the speci fied condition
In the appeal to this Court on behalf of the appellant Insurance Company it was contended i that in view of the exclusion clause in the insurance policy the Insurance Company would not be liable if it was established that the accident occurred when an unlicenced person was at the wheels ii that the exclusion clause is strictly in accordance with the statutorily permissible exclusion em bodied in section 962bii of the and iii that under the circumstances the appellant Company is not under a legal obligation to satisfy the judgments against the insured
Dismissing the Appeal HELD 1
The exclusion clause in the policy of insurance does not exonerate the Insurer
766B 753 Kilari Mammi and Others
vs Barium Chemicals Ltd  Ors AIR 1979 Andhra Pradesh 75 approved
Kirpa Natha Chakravarthy and others vs Rup Chand Luna wat AIR 1955 Assam p 157 Shankar Rao vs Ms Babulal Fouzdar and another AIR 1980 Madhya Pradesh 9 154 Orissa State Commercial Transport Corporation Cuttack vs Dhumali Bewa  Ors
 AIR 1982 Orissa 70 and Dwarka Prasad Jhunjhunwala and another vs Sushila Devi  Ors AIR 1983 Patna 246 overruled
The vicarious liability of the owner of the vehicle for damages arising out of the accident cannot be disputed having regard to the general principles of law also having regard to the violation of the obligation imposed by section 84 of the Act which provides that no person driving or in charge of a motor vehicle shall cause or allow the vehicle to remain stationary in any public place unless there is in the driver s seat a person duly licensed to drive the vehi cle or unless the mechanism has been stopped and a brake or brakes applied or such other measures taken as to ensure that the vehicle cannot accidentally be put in motion in the absence of the driver
764B C 3
In order to divine the intention of the legislature in the course of interpretation of the relevant provisions there can scarcely be a better test than that of probing into the motive and philosophy of the relevant provisions keeping in mind the goals to be achieved by enacting the same
761G 4
Ordinarily it is not the concern of the legislature whether the owner of the vehicle insures his vehicle or not
If the vehicle is not insured any legal liability arising on account of third party risk will have to be borne by the owner of the vehicle
Section 94 has been enacted to protect the members of the community travelling in vehicles or using the roads from the risk attendant upon the user of motor vehicles on the roads
The law may provide for compensation to victims of the accidents who sustain injuries in the course of an automobile accident or compensation to the dependents of the victims in the case of a fatal accident
However such protection would remain a protection on paper unless there is a guarantee that the compensation awarded by the Courts would be recoverable from the persons held liable for the consequences of the accidents
The legislature has therefore made it obligatory that no motor vehicle shall be used unless a third party insurance is in force
To use the vehicle without the requisite third party insurance being in force is a penal offence under section 94 of the Act
In 754 order to make the protection real the legislature has also provided that the judgment obtained shall not be defeated by the incorporation of exclusion clauses other than those authorised by section 96 and it will be the obligation of the Insurance Company to satisfy the judgment obtained against the persons insured against third party risks
761G H 762A B 5
Section 962bii extends immunity to the Insur ance Company if a breach is committed of the condition excluding driving by a named person or persons or by any person who is not fully licensed or by any person who has been disqualified for holding or obtaining a driving licence during the period of disqualification
Therefore the insur er will have to establish that the insured is quilty of an infringement or violation of a promise that a person who is duly licensed will have to be in charge of the vehicle
The very concept of infringement of violation of the promise that the expression breach  carries within itself induces an inference that the violation or infringement on the part of the promiser must be a wilful infringement or violation
If the insured is not at all at fault and has not done anything he should not have done or is not amiss in any respect how can it be conscientiously posited that he has committed a breach It is only when the insured himself places the vehicle in charge of a person who does not hold a driving licence that it can be said that he is guilty  of the breach of the promise that the vehicle will be driven by a licensed driver
It must be established by the Insurance Company that the breach was on the part of the insured and that it was the insured who was guilty of violating the promise or infringement of the contract
Unless the insured is at fault and is guilty of a breach the insurer cannot escape from the obligation to indemnify the insured and successfully contend that he is exonerated having regard to the fact that the promisor the insured committed a breach of his promise
Not when some mishap occurs by some mis chance
When the insured has done everything within his power inasmuch as he has engaged a licensed driver and has placed the vehicle in charge of a licensed driver with the express or implied mandate to drive himself it cannot be said that the insurer is guilty of any breach
And it is only in case of a breach or a violation of the promise on the part of the insured that the insured can hide under the umbrella of the exclusion clause
763B G 6
The question is as to whether the promise made by the insured is an absolute promise or whether he is exculpated on the basis of some legal doctrine
In the present case even if the promise were to be treated as an absolute prom ise the grounds for exculpation can be found from section 84
In view of this provision apart from the implied mandate to the licensed driver not to place a non licensed person in charge of the 755 vehicle there is also a statutory obligation on the said person not to leave the vehicle unattended and not to place it in charge of an unlicensed driver
What is prohibited by law must be treated as mandate to the employee and should be considered sufficient in the eye of law for excusing non compliance with the conditions
It cannot therefore in any case be considered as a breach on the part of the insured
763G 764A C El 7
The statutory provisions defining the conditions of exemption under section 962bii and not the contract of insurance must be interpreted in the spirit in which the same have been enacted accompanied by an anxiety to ensure that the protection is not nullified by the backward looking interpretation which serves to defeat the provision rather than to fulfil its life aim
To do otherwise would amount to nullifying the benevolent provision
764F G 8
When the option is between opting for a view which will relieve the distress and misery of the victims of accidents or their dependents on the one hand and the equal ly plausible view which will reduce the profitability of the insurer in regard to the occupational hazard undertaken by him by way of business activity there is hardly any choice
The Court cannot but opt for the former view
765B C 9
The exclusion clause has to be read down  in order that it is not at par with the main purpose  of the provi sions enacted for the protection of victims of accidents so that the promisor is exculpated when he does everything in his power to keep the promise
765C D Collins English Dictionary and Carter s Breach of Con tract 1984 Edn Paras 239 and 251 relied upon