(2)The insurer to Whom any application has been made under sub-section (1) may refuse to transfer to the other person the certificate of insurance and the policy described in that certificate if he considers it necessary so to do, having regard to-(a)the previous conduct of the other person,-(i)as a driver of motor vehicles; or(ii)as a holder of the policy of insurance in respect of any motor vehicle; or(b)any conditions which may have been imposed in relation to any such policy held by the applicant; or (c) the rejection of any proposal made by such other person for the issue of a policy of insurance in respect of any motor vehicle owned or possessed by him.
