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21. In New India Assurance Co., Ltd., v. Santha, 1988 A.C.J. 689 the Division Bench of this Court has held that in the case of death of a owner accompanying the goods who has not been specifically covered by the policy together with the provisions of Section 95(2)(b), the insurance company cannot be mulcted with liability.

22. In Indrani v. S. Ramalingam, 1989 A.C.J. 1007 a passenger was allowed by a driver to travel in a goods vehicle and ultimately he was killed when the vehicle dashed against a tree. In those circumstance, the Division Bench of this Court in the said decision has held that the deceased was not carried for hire or reward or by reason of or in pursuance of a contract of employment, hence the insurance company is not liable to pay any amount. The very same view has been expressed by another Division Bench decision of this Court reported in New India Assurance Co., Ltd., v. B. Saraswathi Animal, 1991 A.C.J. 327,