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\f36\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\b\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid16602762 IN THE HIGH COURT OF FIJI
\par AT LAUTOKA
\par CIVIL JURISDICTION
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16602762 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid16602762 
\par }\pard \s15\qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16602762 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 CIVIL ACTION NO. HBC}{\f0\lang2057\langfe1033\langnp2057\insrsid7998736 0}{
\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 173 OF 2003L}{\f0\lang2057\langfe1033\langnp2057\insrsid7998736 
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\par }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 Plaintiff
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\par }\pard \s15\qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16602762 {\b\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid16602762 DOMINION INSURANCE LIMITED
\par }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid16602762 Defendant
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\par }{\f0\lang2057\langfe1033\langnp2057\insrsid7998736 Counsel for the Plaintiff}{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 : Mr. S. Nandan}{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid16602762 
\par }{\f0\lang2057\langfe1033\langnp2057\insrsid7998736\charrsid16602762 Counsel for the Defendant}{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid16602762 : Mr. A.K. Narayan
\par 
\par }{\f0\lang2057\langfe1033\langnp2057\insrsid7998736\charrsid16602762 Date of Hearing}{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid16602762 :}{\f0\lang2057\langfe1033\langnp2057\insrsid7998736\charrsid16602762  }{
\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid16602762 5 April 2004
\par Date of Judgment:}{\f0\lang2057\langfe1033\langnp2057\insrsid7998736\charrsid16602762  }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid16602762 26 April 2004}{\f0\lang2057\langfe1033\langnp2057\insrsid7998736\charrsid16602762 
\par 
\par }\pard \s15\qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16602762 {\b\f0\lang2057\langfe1033\langnp2057\insrsid7998736\charrsid16602762 JUDGMEN}{\b\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid16602762 T}{
\b\f0\lang2057\langfe1033\langnp2057\insrsid7998736\charrsid16602762 
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16602762 {\f0\lang2057\langfe1033\langnp2057\insrsid7998736\charrsid16602762 
\par }{\b\f0\ul\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid16602762 APPLICATION
\par }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid16602762 
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
The plaintiff, by Originating Summons, seeks an order that the defendant pay the sum of Sixty Six Thousand, Six Hundred and Ten Dollars ($66,610.00) pursuant to a judgment of the court of 3}{
\f0\lang2057\langfe1033\super\langnp2057\insrsid8788392\charrsid7998736 rd}{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
 October 2002, upon the basis that the defendant was the third party insurer of the judgment debtor to those proceedings.
\par 
\par }{\b\f0\ul\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 BACKGROUND
\par 
\par }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 The plaintiff seeks as against the defendant the satisfaction of the judgment obtained by the plaintiff in Civil Action No. 349 of 1997.}{
\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 In that action the plaintiff proceeded against Karl Francis O\rquote 
Brien as the driver of motor vehicle registration No. BV 174 and Seru Serevi as the alleged owner of that vehicle.}{\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
Action was brought to recover damages for personal injuries sustained by the plaintiff in a motor vehicle accident.}{\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
The plaintiff was driving his motor vehicle registered}{\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 No. BS 260 at Nabou on 15}{
\f0\lang2057\langfe1033\super\langnp2057\insrsid8788392\charrsid7998736 th}{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736  October 1994.
\par 
\par The matter was heard by Gates J. on 22}{\f0\lang2057\langfe1033\super\langnp2057\insrsid8788392\charrsid7998736 nd}{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736  February 2001 at Lautoka.}{
\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 The action was uncontested and judgment was delivered on 3}{\f0\lang2057\langfe1033\super\langnp2057\insrsid8788392\charrsid7998736 rd}{
\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736  October 2002 where the plaintiff was awarded the sum of Sixty Six Thousand, Six Hundred and Sixty One Dollars ($66,661.00) inclusive of costs.
\par 
\par The defendant as a compulsory third party insurer had issued a compul
sory third party motor insurance policy under the Motor Vehicles (Third Party) Insurance Act [Cap. 177] with respect to motor vehicle No. BV 174 and that policy was not due to expire until 12}{
\f0\lang2057\langfe1033\super\langnp2057\insrsid8788392\charrsid7998736 th}{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736  September 1995.
\par 
\par On 14}{\f0\lang2057\langfe1033\super\langnp2057\insrsid8788392\charrsid7998736 th}{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736  October 1994, Seru Serevi traded that
 motor vehicle (BV 174) to Asco Motors and took delivery of another motor vehicle registered No. CK 795 from Asco Motors.
\par 
\par There was no transfer of the compulsory third party motor insurance policy at the time of trade-in and whilst the transfer form with the respect to the vehicle registration was executed by Seru Serevi.}{\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }
{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 The transfer was not registered at the time the accident occurred and accordingly the records of the Land Transport Authority record Seru Serevi as the registered owner of the vehicle at 
the time of the accident occurred on 15}{\f0\lang2057\langfe1033\super\langnp2057\insrsid8788392\charrsid7998736 th}{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736  October 1994.
\par 
\par The plaintiff makes its claim relying on section 11 of the Motor Vehicles (Third Party) Insurance Act (Cap. 177) together with the provisions of section 19(8) of the Traffic Act (Cap. 176) as to the legislative provisions see later.}{
\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
The defendant resists the claim on the basis that Seru Serevi had no insurable interest in vehicle registered No. BV 174 at the time of the accident and is therefore not entitled to the benefit and the provisions of the co
mpulsory third party insurance policy and further that the compulsory third party insurance lapsed on the sale by trade-in of the vehicle BV 174 to Asco Motors by Seru Serevi and also that Seru Serevi was in fact not the owner of the vehicle at the releva
nt time and that the presumption created by the provisions of section 19(8) of the Land Transfer Act therefore rebutted.
\par 
\par }{\b\f0\ul\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 LEGISLATIVE PROVISIONS}{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
\par 
\par }{\b\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 Motor Vehicles (Third Party) Insurance (Act)
\par }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
\par Section 11(1) of that Act provides that: -
\par 
\par }\pard \s15\ql \li720\ri720\widctlpar\aspalpha\aspnum\faauto\adjustright\rin720\lin720\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 "If, after a certific
ate of insurance has been delivered under the provisions of subsection (4) of section 6 to the person by whom a policy has been effected, judgment in respect of any such liability as is required to be covered by a policy under the provisions of paragraph 
(
b) of subsection (1) of section 6, being a liability covered by the terms of the policy, is obtained against any person insured by the policy, then, notwithstanding that the insurance company may be entitled to avoid or cancel or may have avoided or cance
l
led the policy, the insurance company shall, subject to the provisions of this section, pay to the persons entitled to the benefit of such judgment any sum payable thereunder in respect of the liability, including any amount payable in respect of costs an
d any sum payable by virtue of any written law in respect of interest on that sum.\'94
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
\par Section 11(2) sets forth various conditions precedent with respect to the liability created by section 11(1).
\par 
\par The defendant does not rely upon these conditions precedent merely on the fact that Seru Serevi had no insurable interest at the time of the accident and that the policy had lapsed on the sale by trade-in of the vehicle, registered No. BV 174.
\par 
\par Section 6(1) of the Motor Vehicles (Third Party) Insurance Act provides: -
\par 
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In order to comply with the provisions of this Act, a policy of insurance must be a policy which \endash }{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392 
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\par {\pntext\pard\plain\s15 \b\i\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \s15\ql \fi-720\li2160\ri720\widctlpar{\*\pn \pnlvlbody\ilvl0\ls47\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls47\adjustright\rin720\lin2160\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
insures such person, persons or classes of persons as may be specified in the policy in respect of any
 liability which may be incurred by him or them in respect of the death of or bodily injury to any person caused by or arising out of the use of the vehicle:
\par }\pard \s15\ql \li0\ri720\widctlpar\aspalpha\aspnum\faauto\adjustright\rin720\lin0\itap0\pararsid16602762 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid16602762 
\par }\pard \s15\ql \li1440\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 Provided that \endash }{
\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392 
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16602762 {\f0\lang2057\langfe1033\langnp2057\insrsid16602762\charrsid16602762 
\par {\pntext\pard\plain\s15 \b\i\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard \s15\ql \fi-720\li2160\ri720\widctlpar{\*\pn \pnlvlbody\ilvl0\ls48\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls48\adjustright\rin720\lin2160\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 such policy shall not be required to cover \endash }{
\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392 
\par }\pard \s15\ql \li0\ri720\widctlpar\aspalpha\aspnum\faauto\adjustright\rin720\lin0\itap0\pararsid16602762 {\f0\lang2057\langfe1033\langnp2057\insrsid16602762\charrsid16602762 
\par {\pntext\pard\plain\s15 \b\i\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard \s15\ql \fi-720\li2880\ri720\widctlpar{\*\pn \pnlvlbody\ilvl0\ls49\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls49\adjustright\rin720\lin2880\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 liability solely arising by virtue of the provisions of the Workmen\rquote s}{
\b\i\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 Compensation Act; or
\par }\pard \s15\ql \li0\ri720\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin720\lin0\itap0\pararsid16602762 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid16602762 
\par {\pntext\pard\plain\s15 \b\i\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}\pard \s15\ql \fi-720\li2880\ri720\widctlpar{\*\pn \pnlvlbody\ilvl0\ls49\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls49\adjustright\rin720\lin2880\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
save in the case of a passenger carried for hire or reward in a passenger vehicle or where persons are carried by reason of or in pursuance of a contract of employment, liability in respect of the d
eath of or bodily injury to persons being carried in or upon or entering or getting on to}{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
or alighting from the motor vehicle at the time of the occurrence of the event out of which the claim arise; or
\par }\pard \s15\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
\par {\pntext\pard\plain\s15 \b\i\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 \hich\af0\dbch\af0\loch\f0 (iii)\tab}}\pard \s15\ql \fi-720\li2880\ri720\widctlpar{\*\pn \pnlvlbody\ilvl0\ls49\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls49\adjustright\rin720\lin2880\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 liability in respect of the death of or injury to a r
elative of the person using the vehicle at the time of the occurrence of the event out of which the claim arises, or to a person living with the person so}{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{
\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 using the vehicle as a member of his family; in this paragraph \'93relative\'94 means a relative whose degree of relationship is not more remote than the fourth;
\par }\pard \s15\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16602762 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid16602762 
\par {\pntext\pard\plain\s15 \b\i\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 \hich\af0\dbch\af0\loch\f0 (iv)\tab}}\pard \s15\ql \fi-720\li2880\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls49\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls49\adjustright\rin0\lin2880\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 any contractual liability;
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
\par }\pard \s15\ql \li1440\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 (b)\tab \'85\'85\'85\'85.\'94
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
\par Section 19(8) of the Traffic Act [Cap. 176] relevantly provides: -
\par 
\par }\pard \s15\ql \li720\ri720\widctlpar\aspalpha\aspnum\faauto\adjustright\rin720\lin720\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 \'93
The person in whose name a motor vehicle is registered shall, unless the contrary be proved, be deemed to be the owner of such motor vehicle.\'94
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
\par }{\b\f0\ul\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 THE INSURANCE POLICY
\par }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
\par The certificate of insurance with respect to the subject vehicle has not been produced to the court as it is apparently not available.}{\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
The defendant has produced without objection a certificate of insurance said to be in terms identical to that issued with respect to the subject vehicle.}{\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{
\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 That certificate contains on it the following:
\par 
\par }\pard \s15\ql \fi-720\li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid16602762 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 1.\tab DESCRIPTION OF MOTOR VEHICLE}{
\f0\lang2057\langfe1033\langnp2057\insrsid16602762  }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 \'85\'85\'85\'85\'85\'85.\'85\'85\'85\'85\'85\'85\'85
\par }\pard \s15\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid16602762 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 Make \'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85..Body Type\'85
\'85\'85\'85\'85\'85\'85\'85\'85\'85.\'85\'85\'85\'85\'85\'85
\par }\pard \s15\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 Engine No\'85\'85\'85\'85\'85\'85\'85\'85Chassis No\'85\'85\'85\'85\'85\'85\'85
Registered No.}{\f0\lang2057\langfe1033\langnp2057\insrsid16602762  }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 \'85\'85\'85\'85\'85\'85\'85
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
\par {\pntext\pard\plain\s15 \lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 \hich\af0\dbch\af0\loch\f0 2.\tab}}\pard \s15\ql \fi-720\li720\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls52\pnrnot0\pndec\pnstart2\pnindent360\pnsp120\pnhang {\pntxta .}}
\aspalpha\aspnum\faauto\ls52\adjustright\rin0\lin720\itap0\pararsid16602762 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 NAME AND ADDRESS}{\f0\lang2057\langfe1033\langnp2057\insrsid16602762  }{
\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 \'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85
\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85
\par }\pard \s15\ql \li0\ri720\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin720\lin0\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
\par {\pntext\pard\plain\s15 \lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 \hich\af0\dbch\af0\loch\f0 3.\tab}}\pard \s15\ql \fi-720\li720\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls52\pnrnot0\pndec\pnstart2\pnindent360\pnsp120\pnhang {\pntxta .}}
\aspalpha\aspnum\faauto\ls52\adjustright\rin0\lin720\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 PERIOD OF INSURANCE\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85
.to commence on
\par }\pard \s15\ql \li720\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 \'85\'85\'85\'85\'85\'85\'85\'85\'85\'85
\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85and to terminate at 4 p.m.on
\par \'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85..
\par }\pard \s15\ql \li0\ri720\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin720\lin0\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
\par {\pntext\pard\plain\s15 \lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 \hich\af0\dbch\af0\loch\f0 4.\tab}}\pard \s15\ql \fi-720\li720\ri720\widctlpar{\*\pn \pnlvlbody\ilvl0\ls52\pnrnot0\pndec\pnstart2\pnindent360\pnsp120\pnhang 
{\pntxta .}}\aspalpha\aspnum\faauto\ls52\adjustright\rin720\lin720\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 PERSONS OR CLASSES OR PERSONS ENTITLED TO DRIVE AND INSURED UNDER THIS POLICY \endash 
\par }\pard \s15\ql \li0\ri720\widctlpar\aspalpha\aspnum\faauto\adjustright\rin720\lin0\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
\par {\pntext\pard\plain\s15 \lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard \s15\ql \fi-720\li1440\ri720\widctlpar{\*\pn \pnlvlbody\ilvl0\ls53\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls53\adjustright\rin720\lin1440\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 The Owner, and
\par {\pntext\pard\plain\s15 \lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \s15\ql \fi-720\li1440\ri720\widctlpar{\*\pn \pnlvlbody\ilvl0\ls53\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls53\adjustright\rin720\lin1440\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 Any person}{\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{
\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 who is driving on the Owner\rquote s}{\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 order or with his permission:

\par }\pard \s15\ql \li0\ri720\widctlpar\aspalpha\aspnum\faauto\adjustright\rin720\lin0\itap0\pararsid16602762 {\f0\lang2057\langfe1033\langnp2057\insrsid16602762 
\par }\pard \s15\ql \li720\ri720\widctlpar\aspalpha\aspnum\faauto\adjustright\rin720\lin720\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 Provided that the p
erson driving holds a licence permitting him to drive a motor vehicle for every purpose for which the use of the above motor vehicle is limited under paragraph 5 below or at any time within the period of thirty days immediately prior to the time of drivin
g has held such a licence and is not disqualified for obtaining such a licence.
\par }\pard \s15\ql \li0\ri720\widctlpar\aspalpha\aspnum\faauto\adjustright\rin720\lin0\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
\par {\pntext\pard\plain\s15 \lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 \hich\af0\dbch\af0\loch\f0 5.\tab}}\pard \s15\ql \fi-720\li720\ri720\widctlpar{\*\pn \pnlvlbody\ilvl0\ls52\pnrnot0\pndec\pnstart2\pnindent360\pnsp120\pnhang 
{\pntxta .}}\aspalpha\aspnum\faauto\ls52\adjustright\rin720\lin720\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 LIMITATIONS AS TO USE \endash 
 Premium has been paid only for the use of the motor vehicle for the purposes set out in item No\'85\'85\'85.of the schedule on back hereof, provided, however tha
t a premium paid for the use of the motor vehicle for the purposes set out in item No. 2, 3, 4, 5 or 10 of the schedule shall also cover use of the motor vehicle for social, domestic or pleasure purposes, or for the Owner\rquote 
s business within the limits set out in Item No. 1 (b) of the schedule, or, in case of a hire car or a rental car, for the hirer\rquote s business.}{\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{
\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 The motor vehicle must not be used for any other purpose unless the policy is endorsed and extra premium (if any) paid.
\par }\pard \s15\ql \li0\ri720\widctlpar\aspalpha\aspnum\faauto\adjustright\rin720\lin0\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
\par 6.\tab AMOUNT OF PREMIUM PAID FOR ISSUE OF POLICY - $\'85\'85\'85
\par }\pard \s15\ql \fi720\li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 Attached to the certificate is the schedule, which details classes of vehicles.

\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
\par From this it would appear that the policy relates to a particular motor vehicle and a particular owner and it is limited as to the persons who might drive the vehicle and the uses to which the vehicle might be put.
\par 
\par Whilst the evidence in this matter is indeed very limited from both the plaintiff and defendant\rquote s positions it would appear from the evidence that Seru Serevi traded-in the motor vehicle reg
istered No. BV 174 to Asco Motors and purchased motor vehicle registered No. CK 795.}{\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
This transaction appears to have been completed on 14}{\f0\lang2057\langfe1033\super\langnp2057\insrsid8788392\charrsid7998736 th}{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736  October 1994.}{
\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 The details of the transaction and not apparent from the evidence, however, there is nothing before m
e to indicate that the transaction was anything other than completed on 14}{\f0\lang2057\langfe1033\super\langnp2057\insrsid8788392\charrsid7998736 th}{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736  October 1994.
\par 
\par This being so it would appear that the motor vehicle, the subject of the certificate of insurance was owned by Asco Motors at the time the accident occurred on 15}{\f0\lang2057\langfe1033\super\langnp2057\insrsid8788392\charrsid7998736 th}{
\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736  October 1994.}{\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
At that time, it is also apparent from the evidence that the vehicle was being driven by Karl Francis O\rquote Brien who is described as being a sales representative of Asco Motors.
\par 
\par At the time of the transaction, about 1600 hours on 14}{\f0\lang2057\langfe1033\super\langnp2057\insrsid8788392\charrsid7998736 th}{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736  October 1994, Seru Serevi handed to Mr. O\rquote 
Brien the transfer form with respect to the registration of motor vehicle No. BV 174.
\par 
\par The defendant submits that at the time of the accident, Seru Serevi had no insurable interest in the motor vehicle as he had the divested himself of that interest at 1600 hours the previous day.
\par 
\par It is further submitted by the defendant that an insurable interest is a requisite of a motor vehicle third party insurance policy.
\par 
\par As was pointed out by Stuart J. in }{\b\f0\ul\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 Raj Kumari v Q.B.E. Insurance Co. Limited \endash  24 F.L.R. 182:}{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736  -
\par 
\par }\pard \s15\ql \li720\ri720\widctlpar\aspalpha\aspnum\faauto\adjustright\rin720\lin720\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 \'93
Since the policy purports to have been issued under Motor Vehicle (Third Party Insurance) Ordinance which is now properly referred to as an Act, and since the plaintiff relies upon that Act in this action, it now becomes
 necessary to consider the terms of that stature.}{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
It was passed by the Legislative Council of Fiji while Fiji was yet a British Colony, in 1954, and was obviously based upon the British legislation designed to make provision for compulsory insurance agains
t third party risks arising out of the use of motor vehicles.}{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
The scheme of the act was that it became a criminal offence for any person to use or cause or permit to be used a motor vehicle unless there was in force in relation to the use of that motor veh
icle such a policy of insurance in respect of third party risks as complied with the statute.}{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
I think that the first point to be noted is that what was required was a policy of insurance which complied with statute.}{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
The punishment for contravention of this
 requirement was a fine or imprisonment or both, and what was more important, and a far more serious penalty to a user of a motor vehicle, he was to be disqualified from driving for at least twelve months unless a court for special reasons thought fit to 
order otherwise.}{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 Then the statute proceeded to deal with the policies of insurance.}{
\b\i\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 Section 6(1) provided that the policy was to be issued by an approved insurance company \endash 
 that is one approved by the Minister for the purposes of the statute \endash  and subsection (b) of section 6(1) provides that the policy is to insure \endash 
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
\par }\pard \s15\ql \li1440\ri1440\widctlpar\aspalpha\aspnum\faauto\adjustright\rin1440\lin1440\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
Such person, persons or classes of persons as may be specified in the policy in respect of any liability which may be incurred by him or them in respect of the death of or bodily injury to any person caused by or arising out of the use of the vehicle.

\par }\pard \s15\ql \li0\ri1440\widctlpar\aspalpha\aspnum\faauto\adjustright\rin1440\lin0\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
\par }\pard \s15\ql \li720\ri720\widctlpar\aspalpha\aspnum\faauto\adjustright\rin720\lin720\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
Then there is a proviso which excepts four matters which are not required to be covered\'85
\par }\pard \s15\ql \li0\ri1440\widctlpar\aspalpha\aspnum\faauto\adjustright\rin1440\lin0\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid16602762 
\par }\pard \s15\ql \li720\ri1440\widctlpar\aspalpha\aspnum\faauto\adjustright\rin1440\lin720\itap0\pararsid16602762 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 Subsection (3) is as follows:
\par }\pard \s15\ql \li0\ri1440\widctlpar\aspalpha\aspnum\faauto\adjustright\rin1440\lin0\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid16602762 
\par }\pard \s15\ql \li1440\ri1440\widctlpar\aspalpha\aspnum\faauto\adjustright\rin1440\lin1440\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
An approved insurance company issuing a policy of insurance under this sec
tion shall be liable indemnify the person/or classes of persons specified in the policy in respect of any liability which the policy purports to cover in the case of those persons or classes or persons.\'94
\par }\pard \s15\ql \li0\ri1440\widctlpar\aspalpha\aspnum\faauto\adjustright\rin1440\lin0\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid16602762 
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 As stated above the policy of insurance is, in my o
pinion, with respect to a particular motor vehicle as that motor vehicle is described in some detail in the policy document and as is also detailed above with respect to a named person being the owner of that vehicle.
\par 
\par In }{\b\f0\ul\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 Rogerson v Scottish Automobile & General Insurance Co. Ltd (1931) All E.R. 606}{\f0\lang2057\langfe1033\langnp2057\insrsid16602762  Lord Buckmast}{
\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 er at p. 607 said: -
\par 
\par }\pard \s15\ql \li720\ri720\widctlpar\aspalpha\aspnum\faauto\adjustright\rin720\lin720\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 \'93
That he would have been entitled to indemnity had the car that he was driving at the time of the accident been the car that was insured is beyond dispute, but the insurers say
 that their liability had ceased because the car which had been the subject of the original insurance was no longer in the assured\rquote s possession.}{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{
\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 In order to see if that contention is right it is necessary to examine what the terms of the policy were.}{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{
\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 The policy begins with the schedule setting out all details with regard to the car, and then it effects a series of insurances with regard to different classes of matters.}{
\b\i\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 These were (a) as regards claims made by the public; (b) as regards the car itself; (c) a
s regards its motor-house, and (d) as regards personal accident; in addition to which there was, by virtue of an endorsement, a further insurance effected under the Employers\rquote  Liability Act or the Workmen\rquote 
s Compensation Act in favour of the driver of the car.\'94}{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
\par At p.608 His Lordship said: -
\par 
\par }\pard \s15\ql \li720\ri720\widctlpar\aspalpha\aspnum\faauto\adjustright\rin720\lin720\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 \'93
But if it be assumed that the original car be sold and another car taken in its place, the result would be, if the assured\rquote s contention were correct, that it might be possible to shift the insurance from car to car dur
ing the whole period of twelve months for which the policy runs, and that although there is no express limitation on the nature of the car that may be regarded as a substitute.
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid16602762 
\par }\pard \s15\ql \li720\ri720\widctlpar\aspalpha\aspnum\faauto\adjustright\rin720\lin720\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
I do not, for a moment, believe that that was the intention of this policy, an
d, although no one disputes that it must be strictly construed against the insurers, even when so strictly construed, in order to make the provisions reasonable it is impossible to give it the meaning for which the assured contends.\'94
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid16602762 
\par }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 In }{\b\f0\ul\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 Tattersall v Drysdale [1935] All E.R. Rep. 112 at p. 115}{
\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736  Goddard J. said: -
\par 
\par }\pard \s15\ql \li720\ri720\widctlpar\aspalpha\aspnum\faauto\adjustright\rin720\lin720\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 \'93
I think that both in the Court of Appeal and the House of Lords the decisive factor was that the subject-matter of the insurance was the specified car, and that, as the assured had parted with it, he no longer was interested in the policy.}{
\b\i\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
The true view, in my judgment, is that the policy insures the assured in respect of the ownership and user of a particular car, the premium being calculated, as was found in Rogerson\rquote s Case, partly on value and partly on horse-power.}{
\b\i\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
It gives the assured by the extension clause a privilege or further protection while using another car temporarily, but it is the scheduled car which is always the subject to be insurance.\'94
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
\par }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 I am of the view that the policy of insurance in this instance was, as is described above a policy with respect to a particular motor vehicle and a particular person as the owner.}{
\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 On parting with ownership of the motor vehicle, the policy ceased to have any effect and lapsed.
\par 
\par The plaintiff submits that by virtue of the operation of section 19(8) of the Traffic Act that the owner \'93}{\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 of the vehicle was Seru Serevi\'94}{
\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736  as he was still recorded as the owner in the records of the Land Transport Authority.}{\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{
\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 The section, which is set out above, shows that the presumption established by it is rebuttal.}{\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{
\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 As is detailed above, the evidence before me is that the disposal of the vehicle by Seru Serevi was effected at about 1400 hours on 14}{
\f0\lang2057\langfe1033\super\langnp2057\insrsid8788392\charrsid7998736 th}{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736  October 1994.}{\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{
\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 There is nothing in the evidence to suggest that this disposal was in any way conditional or anything other than final.}{\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{
\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 He at that time took delivery of his new motor vehicle from Mr. Karl Francis O\rquote Brien on behalf of the Asco Motors and Mr. O\rquote 
Brien took delivery and possession of the subject motor vehicle.
\par 
\par Having found that the policy is at an end on the transfer of ownership and having found the ownership was in fact passed unconditionally on 14}{\f0\lang2057\langfe1033\super\langnp2057\insrsid8788392\charrsid7998736 th}{
\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736  October 1994, it is unnecessary to consider the submissions as to whether Mr. O\rquote Brien was driving with the consent of Seru Serevi.
\par 
\par The court was referred to the recent decision of the Supreme Court of Fiji in }{\b\f0\ul\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 Dominion Insurance Company Limited v Kay Lynette Bamforth and Others, CBV 0005 of 2002S}{
\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736  \endash  unreported 24}{\f0\lang2057\langfe1033\super\langnp2057\insrsid8788392\charrsid7998736 th}{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
 October 2003 where it is said at page 10: -
\par 
\par }\pard \s15\ql \li720\ri720\widctlpar\aspalpha\aspnum\faauto\adjustright\rin720\lin720\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 \'93Section 11(1) 
of the Act imposes a statutory liability on the Insurer to pay the sum of a relevant judgment against a person insured to the person in whose favour the judgment has been awarded.}{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{
\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 That liability is extra-contractual although necessarily conditioned upon the existence of a policy of insurance.}{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{
\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
It is important therefore, when looking to the provisions of section 11(2), to bear in mind that the section is concerned with the imposition and the conditions of the imposition of a special statutory liability.}{
\b\i\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 It is not concerned with the plaintiff\rquote s cause of action against the insured person which arises at common law.}{
\b\i\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 Nor is it concerned with an insured person\rquote s right of indemnity under the policy.
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
\par }\pard \s15\ql \li720\ri720\widctlpar\aspalpha\aspnum\faauto\adjustright\rin720\lin720\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 Subsection 11(2) sets the boundaries of this special statutory lia
bility by setting out the conditions under which \'93No sum shall be payable by an approved insurance company under the provisions of subjection (1).\'94}{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{
\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 There is no relevant leeway of choice in these words.}{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid7998736  }{\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
They define the boundaries of the liability imposed by Section 11(1) by reference to various circumstances in which \'93No sum shall be payable\'94 under that subjection.\'94
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7998736 {\b\i\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
\par }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 In my opinion it is unnecessary to consider further the issues considered by the Supreme Court, as on the finding made above that there is in f
act no policy of insurance current at the time of the accident, it is unnecessary to look at the provisions of Section 11 and to consider whether the conditions precedent to the liability imposed by section 11(1) have been met.
\par 
\par Accordingly, the plaintiff\rquote s claim must fail.
\par 
\par The Orders of the Court are: -
\par 
\par {\pntext\pard\plain\s15 \lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 \hich\af0\dbch\af0\loch\f0 1.\tab}}\pard \s15\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls54\pnrnot0\pndec\pnstart1\pnindent360\pnsp120\pnhang {\pntxta .}}
\aspalpha\aspnum\faauto\ls54\adjustright\rin0\lin1440\itap0\pararsid16602762 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 The plaintiff\rquote s application is dismissed;
\par }\pard \s15\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7998736 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 
\par {\pntext\pard\plain\s15 \lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 \hich\af0\dbch\af0\loch\f0 2.\tab}}\pard \s15\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls54\pnrnot0\pndec\pnstart1\pnindent360\pnsp120\pnhang {\pntxta .}}
\aspalpha\aspnum\faauto\ls54\adjustright\rin0\lin1440\itap0\pararsid16602762 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 The plaintiff is to pay the defendant\rquote s costs.}{\f0\lang2057\langfe1033\langnp2057\insrsid7998736 

\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8788392 {\f0\lang2057\langfe1033\langnp2057\insrsid7998736 
\par }\pard \s15\qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16602762 {\b\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid16602762 JOHN CONNORS
\par }{\b\f0\ul\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid16602762 JUDGE
\par }\pard \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16602762 {\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid16602762 AT LAUTOKA
\par }{\f0\lang2057\langfe1033\langnp2057\insrsid8788392\charrsid7998736 26 APRIL 2004
\par }}