Khushal Singh Adhikari vs State Of Uttarakhand & Others on 12 May, 2022
16. The effect of the above decisions is that a vehicle, which is
insured for agricultural purpose, cannot be used for any other
purpose and if so used in contravention of the policy taken, the
insurance company will not be liable. Coming to the decisions
referred to by the learned Counsel for the claimants as well as
insured are concerned, the decision in M.F.A. No. 2545/2003 of
this Court concerns a person travelling as a loader in the tractor
cum trailer and therefore, the Court observed that the claimants are
entitled for compensation as per the W.C. Act. At the same time, it
was observed in the said decision at paragraph No. 6 that the
insurer has not placed any evidence before the Court to show that it
is an agricultural tractor-trailer. The facts therefore are different
from the one with which we are concerned, because in the instant
case, the policy Ex.R1 clearly indicates that the tractor-cum trailer
was to be used only for agricultural purpose and for no other
purpose.