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authorized representative are entitled to travel in the lorry as NFPP. According to him, the policy does not cover the risk of any other passengers ... effect that the policy does not cover the risk under NFPP. According to him, the claimant was traveling as an un-authorised passenger

collected premium of Rs.50/- under the head Non-Fare Paid Passenger (NFPP). This premium would clearly cover the risk of the owner or authorized