The mere fact that the driving licence was fake, per se, would not absolve the insurer.
https://main.sci.gov.in/supremecourt/2023/31991/31991_2023_15_1502_47849_Judgement_30-Oct-2023.pdf
THE SUPREME COURT OF INDIA
SPECIAL LEAVE PETITION (C) No. 19992 OF 2023
IFFCO Tokio General Insurance Co. Ltd. … Petitioner
Versus
Geeta Devi and others. … Respondents.