JUDGMENT M.C. Garg, J. 1. Appellant No. 2 is the owner of the tractor bearing No. MP-17/6572 which met with an accident inasmuch as, while carrying some stones in the aforesaid tractor it turned which caused injures to the persons who were sitting in the tractor and also to the injured on account of turning of the tractor. The claim petition was objected to by the insurance company on the ground that in this case, insurance company could not have been fastened with the liability for two reasons i.e. (i) tractor could not have been used for other purpose except agriculture for which it was insured, carrying stones could not have been said to be agricultural purpose and (ii) passengers are not allowed to sit on the tractor. 2. Motor Accident Claims Tribunal accepted the pleas taken by the insurance company and while granting compensation to the injured has exonerated the insurance company but fastened the liability on the owner. 2. Motor Accident Claims Tribunal accepted the pleas taken by the insurance company and while granting compensation to the injured has exonerated the insurance company but fastened the liability on the owner. Relevant discussion appears in paras 17 to 20 of the impugned award which reads as under:- okn iz’u dz&3 dh foospuk& 17- vukosnd lk{kh dz-1 xYyw us vius ijh{k.k esa O;Dr fd;k gS fd mldk okgu VsªDVj dz-&,e-ih-17@6572 nq?kZVuk fnukad dks fof/kor~ chfer FkkA vukosnd i{k dh vksj ls vksfj,aVy ba’;ksjsal daiuh }kjk ,p-,e-Vh- VsªDVj dz&,e-ih-17@6572 ds fnukad 14-12- 1996 ls 13 -12-1997 rd vksfj,aVy ba’;ksjal daiuh fyfeVsM esa chfer gksus laca/kh lVhZfQdsV&ikWfylh ftldk doj uksV dz 102390 gS QksVks dkWih izLrqr fd;k gSA bl chfer nLrkost ds voyksdu ls ;g izdV gksrk gS fd VsªDVj okgu dz&,e-ih-17@6572 fnukad 14-12- 1996 ls 13 -12-1997 rd ds fy, vuk- dz&3 ds ;gka chfer jgk gSA vukosnd lk{kh dz-1 ds izn’kZ Mh&2 dh chek ikWfylh tks fnukad 14-12-1998 ls 13-12-1999 rd gS izLrqr dh gS] ftlesa VsªDVj Vªkyh ds mi;ksx dh lhek d`f"k dk;Z gsrq vafdr gSA vuk- dz-&3 chek daiuh dh vksj ls bl rF; ds [kaMu ds laca/k esa dh nq?kZVuk fnukad 13-5-1997 dks mDr VsªDVj mudh chek daiuh ds doj uksV dz&102390 esa chfer ugha FkkA bl laca/k esa dksbZ lk{; ;k nLrkost izLrqr ugha fd;k x;k gSA vr% ,slh fLFkfr esa rks izdj.k esa izLrqr lk{; ,oa chfer nLrkost dh QksVkdkih ftldk [kaMu vuk- dz-&3 chek daiuh dh vksj ls ugh fd;k x;k gS ls rks ;gh ifjyf{kr gS fd nq?kZVuk fnukad 13-5-1997 dks ,p-,e-Vh- VsªDVj dz&,e-ih-17@6572 vuk- dz-&3 chek daiuh ds dk;kZy; esa chfer FkkA vr% okn iz’u dz&3 dk fujkdj.k ldkjkRed :i ls ^^gka** esa fd;k tkrk gSA okn iz’u dz&5 dh foospuk& 18- izdj.k esa izLrqr vuk dz-&3 }kjk tkjh fd;s x;s chfer nLrkost ds voyksdu ls ;g izdV gS fd mDr VsªDVj dz-&,e-ih-17@6572 d`f"k dk;Z ds fy, chfer jgk gS] ysfdu ¼vk-lk-1½ n’kjFk] ¼vk-lk-2½ banzHkku flag ds ijh{k.k ls ;g ckr izdV gS fd nq?kZVuk ds le; ;g VsªDVj lrjuk ls cgsjk iRFkj <ksdk ysus tk jgk FkkA ¼vk-lk-1½ n’kjFk us vius ijh{k.k dh dafMdk&16 esa bl ckr dks Lohdkj fd;k gS fd ?kVuk fnukad dks [knku ls iRFkj ysdj mDr VsªDVj ls og yksx iRFkj yk jgs Fks] ftlesa og etnwjh dj jgk FkkA ?kVuk fnukad dks [knku ls iRFkj mDr VsªDVj esa ykndj og yksx rhjFk flag pkSgku ds ?kj] xzke cgsjk iRFkj fxjkus ds fy, ys tk jgs Fks] rHkh jkLrs esa VsªDVj iyV x;k] ftlls mls pksaV vkbZA ,d fVªi esa djhc 250 iRFkj og yksx VsªDVj Vªkyh esa ykndj <ykbZ djrs FksA ?kVuk ds iwoZ ?kVuk fnukad dks gh 2&3 fVªi rhjFk flag ds ;gka iRFkj og yksx VsªDVj ls fxjk pqds FksA iRFkj <qykbZ dk iSlk VsªDVj ekfyd xYyw xqIrk fy;k djrs FkkA ¼vk-lk-2½ banzHkku flag tks nq?kZVuk ds le; vkonsd n’kjFk flag ds lkFk og vU; etnwjksa ds lkFk nq?kZVuk dkfjr djus okys xYyw xqIrk ds VsªDVj esa etnwjh djus gsrq cSBk Fkk] mlds ijh{k.k ls Hkh ;g ckr izdV gksrh gS fd ?kVuk fnukad dks ;g VsªDVj <ksdk iRFkj <qykbZ ds fy, fdjk;s ij xzke cgsjk ds rhjFk flag us fy;k Fkk vkSj nq?kZVuk ds le; VsªDVj esa mls vkonsd n’kjFk flag o vU; etnwjksa dks fcBkdj rhjFk flag pkSgku ds flapkbZ ds fy, dwi fuekZ.k gsrq iRFkj dh <qykbZ dk dk;Z fd;k tk jgk FkkA 19- ¼vk-lk-1½ vkonsd n’kjFk flag us vius ijh{k.k esa O;Dr fd;k gS fd mDr VsªDVj esa og nq?kZVuk ds iwoZ ls etnwjh dk dke fd;k djrk FkkA bl VsªDVj esa dHkh eqje] dHkh bZVk] dHkh vukt <qykbZ dk dke og fd;k djrk FkkA mu yksxksa us bl VsªDVj ls eqje <qykbZ dk dk;Z ?kVuk ds iwoZ fd;k Fkk] tks ckcwyk ;kno ds ;gka cM+k dqvka cukus ds fy, eq:e fxjkbZ FkhA nq?kZVuk ds iwoZ bZVk ckmUMªhoky cuokus ds fy, jke/kkjh ;kno ds ;gka mDr VsªDVj ls bZVk <qykbZ dj bZVsa fxjkbZ xbZ FkhA lrujk xkao ds gh xqIrk ds ;gka mDr VsªDVj esa xYyk ynokdj lh/kh eaMh esa yk;s Fks] ftlesa Hkh etnwjh dk dke fd;k FkkA ?kVuk fnukad dks Hkh [knku ls iRFkj VsªDVj esa ykndj og yksx rhjFk flag pkSgku ds ?kj xzke cgsjk <ksdk iRFkj fxjkus ds fy, ys tk jgs Fks] rHkh jkLrsa esa gh VsªDVj iyV x;k] ftlls mls pksaV vkbZ ¼vk-lk-2½ banzHkku flag us Hkh vius ijh{k.k esa bl ckr dh iqf"V dh gS fd nq?kZVuk fnukad ds iwoZ Hkh xYyw xqIrk ds mDr VsªDVj esa etnwjh djrk FkkA nq?kZVuk fnukad dks bl VsªDVj esa <ksdk <qykbZ ds dk;Z ds fy, fdjk;s ij xzke cgsjk ds rhjFk flag us fy;k gqvk FkkA bl lk{kh dk dguk gS fd xYyw ds mDr VsªDVj ls bZVk] eqje vkfn <qykbZ dk dke fd;k tkrk Fkk] ftlesa og etnwjh djrk FkkA ;g bZVk] eq:e xYyw ds ?kj [kqn ugha ys tkdj vU; O;fDr;ksa ds ;gka ys tkrs FksA xYyw xqIrk ds ;gka bZVk] e:e fxjkus ds fy, r; fd;k tkrk Fkk mlh ds ;gka og yksx bZVk] e:e ys tkdj fxjkrs FksA nq?kZVuk ds le; og yksx rhjFk flag pkSgku ds ?kj ij flapkbZ ds fy, dwi fuekZ.k ds fy, etnwjksa dh gSfl;r ls iRFkj <qykbZ dj jgs FksA ¼vkj-lk-5½ ckcwyky ;kno us Hkh vius ijh{k.k esa bl ckr dks Lohdkj fd;k gS fd ftl fnu VsªDVj iyVk Fkk] ml fnu VsªDVj ls iRFkj <ks;k tk jgk FkkA bl lk{kh us bl ckr dks lgh crk;k gS fd nq?kZVukxzLr VsªDVj ls dHkh bZVk rks dHkh e:e dh <qykbZ dk dke fd;k tkrk FkkA bl VsªDVj ds ekfyd xYyw xqIrk us viuk tks tokc vf/kdj.k ds le{k izLrqr fd;k gS] mldh dafMdk&12 esa Hkh ;g bafxr gS fd VsªDVj esa yns <ksdk o Vªkyh dh ckM+h dh pisV esa vkonsd n’kjFk Qal x;k vkSj gkFk t[eh gks tkus ls og Vªkyh ds ihNs fxj x;kA vr% ,slh fLFkfr esa Lo;a xYyw xqIrk ds Dyse vkosnu ds tokc ls ;g izdV gS fd nq?kZVuk ds le; VsªDVj esa <ksdk&iRFkj yns gq, FksA 20- mijksDr foospuk ls ;g ckr izdV gS fd xYyw xqIrk] ftldh VsªDVj Vªkyh d`f"k dk;Z gsrq chfer gS og vius VsªDVj Vªkyh esa <ksdk&iRFkj bZVk eq:e <qykbZ dk dke fdjk;s ysdj djrk gSA nq?kZVuk ds le; Hkh mlds VsªDVj esa vkosnd n’kjFk o vU; etnwjksa dks fcBkdj rhjFk flag pkSgku ds dwi fuekZ.k gsrq iRFkj <qykbZ dk dk;Z fd;k tk jgk FkkA vr% ,slh fLFkfr esa ;g izdV gS fd mDr VsªDVj dk lapkyu nq?kZVuk ds le; VsªDVj jftLVsª’ku o chek ‘krksZ ds foijhr d`f"k iz;kstu ls vU;Fkk iRFkj <qykbZ dk dk;Z djus gsrq fd;k tk jgk FkkA vr% okn iz’u dz-&5 dk fujkdj.k ldkjkRed :i ls ^^gka** esa fd;k tkrk gS vkSj bldk izHkko ;g iM+rk gS fd vuk- dz-&3 chek daiuh mDr nq?kZVuk esa vkbZ vkosnd n’kjFk dks igqaph pksVksa dh {kfriwfrZ gsrq mRrjnk;h ugha gS] D;ksafd chek’krksZ ds foijhr d`f"k iz;kstuksa ls vU;Fkk <ksdk iRFkj <qykbZ dk dk;Z rhjFk flag pkSgku ds flapkbZ ds fy, dwi fuekZ.k ds fy, fd;k tk jgk Fkk] ftlesa nq?kZVuk ds le; vkosnd n’kjFk vU; etnwjksa ds lkFk mDr <ksdk <qykbZ ds dk;Z gsrq fu;ksftr FkkA vr% okn iz’u dz-&5 dk fujkdj.k ldkjkRed :i ls ^^gka** esa fd;k tkdj fu/kkZfjr fd;k tkrk gS fd mDr nq?kZVuk esa vkosnd n’kjFk dks vkbZ pksaVks dh {kfriwfrZ gsrq vuk- dz-&3 chek daiuh mRrjnk;h ugha gSA 3. Learned counsel appearing on behalf of the insurance company has supported the aforesaid finding with judgment of the Full Bench of this Court in the case of Bhav Singh vs. Savirani and Others, 2008 (1) M.P.L.J. 72 wherein it has been held as under:- 9. This position of law has been clarified by Supreme Court in National Insurance Co. Limited vs. Prembai Patel, AIR 2005 SC 2337 . The relevant portion of the judgment of the Supreme Court in Prembai Patel (supra) from paragraph 12 of the judgment as reported in the AIR is extracted below :- Clause (b) of sub-section (1) of Section 147 provides that a policy of insurance must be a policy which insures the person or classes of persons specified in the policy to the extent specified in sub-section (2) against any liability which may be incurred by him in respect of death of, or bodily injury to any person or passenger or damage to any property of a third party caused by or arising out of the use of the vehicle in public place. Sub-clauses (i) and (ii) of Clause (b) are comprehensive in the sense that they cover both any person or passenger. An employee of owner of the vehicle like a driver or a conductor may also come within the purview of the words any person occurring in sub-clause (i). However, the proviso (i) to Clause (b) of Sub-section (1) of Section 147 says that a policy shall not be required to cover liability in respect of death, arising out of and in the course of his employment, of the employee of a person insured by the policy or in respect of bodily injury sustained by such an employee arising out of and in the course of his employment other than a liability arising under the Workmen's Act if the employee is such as described in sub-clauses (a) or (b) or (c). The effect of this proviso is that if an insurance policy covers the liability under the Workmen's Act in respect of death of or bodily injury to any such employee as is described in Sub-clauses (a) or (b) or (c) of proviso (i) to Section 147(1)(b), it will be a valid policy and would comply with the requirements of Chapter XI of the Act. 10. 10. Sub-section (5) of Section 147 of the Act, however, provides that notwithstanding anything contained in any law for the time being in force, an insurer issuing a policy of insurance under Section 147 of the Act shall be liable to indemnify a person or classes of persons specified in the policy in respect of any liability which the policy purports to cover in the case of that person or classes of persons. Thus, if the policy of insurance covers any liability in addition to the liability under Section 147(1) of the Act, the insurer will be liable to indemnify the insured in case of any liability not because of the provisions of sub-section (1) of Section 147 but because of the terms and conditions of contract of insurance between the insurer and the insured. Therefore, if the contract of insurance provides for a liability to a passenger or to an employee other than the liabilities provided under sub-section (1) of Section 147 of the Act, the insurer would be liable to indemnify the insured against such liability. 4. Considering the aforesaid judgment given by the Full Bench of this Court, conditions of the policy and admitted fact that the tractor was used for carrying stones which were brought for the purpose of putting tube well, in which owner brought number of persons which were carrying stones probably work of the owner was for the purpose of getting tube well fixed, the owner apparently violated conditions of the policy, therefore, there is no infirmity in the impugned award passed by the tribunal in exonerating the insurance company. In view of the aforesaid, this appeal is dismissed.