It is very interesting to watch the deliberations of the members on this interesting topics. Regarding Jatin answer about learner's licence, I am of the opinion that the learner's licence is as good as a driving licence and insurer can not absolve itself on the grounds that the driver was possessing only learner's licence. If there is any statements of law by the Supreme Court please cite the same for the benefit of all of us here in the forum. As regards the gratutious passengers in goods carriage vehicle the statements of law is very clear and the insurer can be absolved from liability. Once again thank you all of you for the lively deliberations.