https://www.scconline.com/blog/post/2018/10/17/kerala-hc-full-bench-overrules-3-judge-bench-absence-of-fitness-certificate-to-vehicle-is-a-fundamental-breach-by-insured-entitles-insurer-with-right-to-recovery/
Kerala HC Full Bench overrules 3-Judge Bench: Absence of fitness certificate to vehicle is a fundamental breach by insured; entitles insurer with right to recovery