This suggests that the root of your difficulty is that Radio should not be a member of Car at all (after all, how would define CarWithNoRadio, then?)
your right if we want car with no radio.

But i am not agree on storing radio object in each derived car.
What if we want to derive some car from luxury car & want some diff. radio in that it will create same probelm as first post

if we want car with radio & no radio. I think it shoud go with one more abstrract level 1)Car with radio 2)Car without radio.

Car with radio abstract class will store the Radio reference

Code:
class Car { }; // this is an abstract base class - no member data
class CarwithRadio: public Car
{
public:
Car(Radio*);
protected:
Radio*
}

class CarwithoutRadio : 
{
}

class LuxuryCar : public CarwithRadio
{
public:
   LuxuryCar(Radio*);
}
Vinod