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IN THE SUPREME COURT OF FIJI
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10296336\charrsid8208692 \hich\af0\dbch\af37\loch\f0 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid10296336\charrsid8208692 \hich\af0\dbch\af37\loch\f0 CIVIL APPELLATE JURISDICTION]}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid472706\charrsid8208692 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid12931302 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid10296336\charrsid8208692 
\par \hich\af0\dbch\af37\loch\f0 CIVIL PETITION No: CBV 0007 of 2017
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\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid10296336\charrsid8208692 \hich\af0\dbch\af37\loch\f0 On Appeal from Court of Appeal No: ABU 0049}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid7633121 \hich\af0\dbch\af37\loch\f0  of }{\rtlch\fcs1 
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\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10296336\charrsid4790188 \hich\af0\dbch\af37\loch\f0 AND}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188 
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid4790188 
\par }\pard \ltrpar\qc \fi720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid10296336\charrsid8208692 \hich\af0\dbch\af37\loch\f0 1.}{\rtlch\fcs1 
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\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10296336\charrsid4790188 \hich\af0\dbch\af37\loch\f0 Respondents
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\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid4808893\charrsid8208692 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10296336\charrsid4790188 \hich\af0\dbch\af37\loch\f0 Coram\tab \hich\af0\dbch\af37\loch\f0 :     \tab Hon. Mr. Justice Suresh Chandra}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8208692\charrsid4790188 \hich\af0\dbch\af37\loch\f0 , \hich\af0\dbch\af37\loch\f0 Judge}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10296336\charrsid4790188 \hich\af0\dbch\af37\loch\f0  of the Supreme Court 
\par \tab \tab \hich\af0\dbch\af37\loch\f0 Hon. Mr.  Justice Brian Keith, Judge of the Supreme Court
\par }\pard \ltrpar\ql \fi720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10296336\charrsid4790188 \hich\af0\dbch\af37\loch\f0 
Hon. Mr. Justice Kankani Chitrasiri,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8208692\charrsid4790188 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10296336\charrsid4790188 \hich\af0\dbch\af37\loch\f0 
Judge of th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2969973\charrsid4790188 \hich\af0\dbch\af37\loch\f0 e }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10296336\charrsid4790188 \hich\af0\dbch\af37\loch\f0 Supreme Court
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10296336\charrsid4790188 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8208692\charrsid4790188 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10296336\charrsid4790188 \hich\af0\dbch\af37\loch\f0 Counsel\hich\af0\dbch\af37\loch\f0 :\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4808893\charrsid4790188 \hich\af0\dbch\af37\loch\f0 Mr.
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8208692\charrsid4790188 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4808893\charrsid4790188 \hich\af0\dbch\af37\loch\f0 R.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8208692\charrsid4790188 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4808893\charrsid4790188 \hich\af0\dbch\af37\loch\f0 K.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10296336\charrsid4790188 
\hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8208692\charrsid4790188 \hich\af0\dbch\af37\loch\f0 Naidu }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10296336\charrsid4790188 \hich\af0\dbch\af37\loch\f0 for }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8208692\charrsid4790188 \hich\af0\dbch\af37\loch\f0 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10296336\charrsid4790188 \hich\af0\dbch\af37\loch\f0 Petitioners
\par }\pard \ltrpar\ql \fi720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4808893\charrsid4790188 \hich\af0\dbch\af37\loch\f0 Mr.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8208692\charrsid4790188 \hich\af0\dbch\af37\loch\f0  D. \hich\af0\dbch\af37\loch\f0 Prasad for}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10296336\charrsid4790188 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4808893\charrsid4790188 \hich\af0\dbch\af37\loch\f0 the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid4808893\charrsid4790188 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\super\insrsid8208692\charrsid4790188 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10296336\charrsid4790188 \hich\af0\dbch\af37\loch\f0 Respondent
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4808893\charrsid4790188 \hich\af0\dbch\af37\loch\f0 Mr.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8208692\charrsid4790188 \hich\af0\dbch\af37\loch\f0  D. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4808893\charrsid4790188 \hich\af0\dbch\af37\loch\f0 Singh for the 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid4808893\charrsid4790188 \hich\af0\dbch\af37\loch\f0 nd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4808893\charrsid4790188 \hich\af0\dbch\af37\loch\f0  Respondent
\par }\pard \ltrpar\ql \fi720\li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4808893\charrsid4790188 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8208692\charrsid4790188 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10296336\charrsid4790188 \hich\af0\dbch\af37\loch\f0 Date of Hearing:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10296336\charrsid4790188 \hich\af0\dbch\af37\loch\f0 12 April 2018
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8208692\charrsid4790188 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10296336\charrsid4790188 \hich\af0\dbch\af37\loch\f0 Date of Judgment\hich\af0\dbch\af37\loch\f0 :  \tab  27 April 2018
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid12931302\charrsid8208692 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs32 \ltrch\fcs0 \b\f0\fs32\ul\insrsid10296336\charrsid16546742 \hich\af0\dbch\af37\loch\f0 JUDGMENT
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid10296336\charrsid8208692 
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid4790188 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid10296336\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Chandra J}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid10296336\charrsid8208692 \hich\af0\dbch\af37\loch\f0 :}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\f0\fs24\insrsid10296336 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid12980375\charrsid8208692 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12980375 \hich\af0\dbch\af37\loch\f0 1.\tab}}\pard \ltrpar\ql \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls11\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12980375 \hich\af0\dbch\af37\loch\f0 I agree with the conclusion in the judgment of Ju\hich\af0\dbch\af37\loch\f0 stice Chitrasiri.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10296336\charrsid8208692 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10296336 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid10296336\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Keith, J:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid10296336 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid1601174\charrsid8208692 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10296336\charrsid1601174 \hich\af0\dbch\af37\loch\f0 2. }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0      }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 
\hich\af0\dbch\af37\loch\f0 I have read a draft of the judgment of Chitrasiri J, and I agree with his conclusion about the outcome of this appeal and the orders which he proposes.  I take the liberty to express my own reasons in my own words.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 \hich\af0\dbch\af37\loch\f0 3\hich\af0\dbch\af37\loch\f0 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0      }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid1601174 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 \hich\f0 
The relevant facts can be stated shortly.  Mr Kishore was a passenger in a bus which was involved in a collision.  He was on his way to work.  He was badly injured in the accident.  The bus was owned by his employers, Tebara Transport Ltd (\'93\loch\f0 
the emp\hich\af0\dbch\af37\loch\f0 \hich\f0 loyers\'94\loch\f0 
), and was being driven by Mr Nemani who was one of their employees.  Mr Kishore issued proceedings against his employers and Mr Nemani claiming damages for negligence or compensation under the Workmen\hich\f0 \rquote \loch\f0 
s Compensation Act (Cap 94).  The}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid814786 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 trial judge, 
\hich\af0\dbch\af37\loch\f0 Brito-Mutunayagam J, found that the accident had occurred as a result of Mr Nemani\hich\f0 \rquote \loch\f0 
s negligence, for which the employers were vicariously liable.  He assessed damages at $172,485.35 including interest up to the date of judgment.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 \hich\af0\dbch\af37\loch\f0 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 .    }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1601174 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 The employers had a\hich\af0\dbch\af37\loch\f0 \hich\f0  policy of insurance with Dominion Insurance Ltd (\'93\loch\f0 
\hich\f0 the insurers\'94\loch\f0 ) which covered its employees.  Under it, the insurers were obliged to indemnify the employers for any liability to pay compensation to their employees under the Workmen\hich\f0 \rquote \loch\f0 s Compensation Act.  
\hich\af0\dbch\af37\loch\f0 T\hich\af0\dbch\af37\loch\f0 
he existence of that policy was one of the reasons why the employers issued a third party notice against the insurers.  The trial judge held that the employers were not liable to pay compensation to Mr Kishore under the Workmen\hich\f0 \rquote \loch\f0 
s Compensation Act as he }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid814786 \hich\af0\dbch\af37\loch\f0 had}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0  not}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid814786 \hich\af0\dbch\af37\loch\f0  been}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 
 acting in the course of his employment at the time. Mr Kishore had not been required to use the bus to get to work, nor had the employers been required to provide him with transport to work.  Taking the bus to and from work was just something whi
\hich\af0\dbch\af37\loch\f0 ch the employers allowed Mr Kishore to do.  The trial judge followed what Lord Denning MR had said in}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid1601174\charrsid814786 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid1601174\charrsid814786 \hich\af0\dbch\af37\loch\f0 Vandyke v Fender (Sun Insurance Office}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid1601174\charrsid814786 \hich\af0\dbch\af37\loch\f0 Ltd (Third Party)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid814786 \hich\af0\dbch\af37\loch\f0  [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 1970] 2 WLR 929}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid814786 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 
\hich\af0\dbch\af37\loch\f0 at p938}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid814786 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 F-H:}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid814786\charrsid1601174 
\par }\pard \ltrpar\qj \li1080\ri720\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin720\lin1080\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \loch\af0\dbch\af37\hich\f0 \'93\loch\f0 \hich\f0 
The two leading cases \'85\loch\f0  show, to my mind, quite conclusively, tha\hich\af0\dbch\af37\loch\f0 
t when a man is going to or coming from work, along a public road, as a passenger in a vehicle provided by his employer, he is not then in the course of his employment \hich\f0 \endash \loch\f0  unless he is }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 obliged}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0  by the terms of his employment}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid814786 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 to travel in that vehicle, or be p\hich\af0\dbch\af37\loch\f0 
ermitted to travel in it.  He must have an }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 obligation}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 
\hich\af0\dbch\af37\loch\f0 \hich\f0  to travel in it.  Else he is not in the course of his employment.\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 
\par }\pard \ltrpar\qj \li720\ri720\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin720\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 
\par }\pard \ltrpar\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 
Since the employers were not liable to Mr Kishore under the Workmen\hich\f0 \rquote \loch\f0 s Compensation Act, there was no liability for the insurers to com\hich\af0\dbch\af37\loch\f0 pensate the employers for under the Workmen\hich\f0 \rquote 
\loch\f0 s Compensation Policy.  An appeal against the trial judge\hich\f0 \rquote \loch\f0 s finding that Mr Kishore had not been acting in the course of his employment when he sustained his injuries was dismissed by the Court of Appeal, and th
\hich\af0\dbch\af37\loch\f0 e\hich\af0\dbch\af37\loch\f0 re has been no further appeal against that finding. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 \hich\af0\dbch\af37\loch\f0 5}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 .     }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 
There was another policy of insurance which the employers had with the insurers. The bus was insured under a motor vehicle compulsory third party policy.  That policy was, of course, to enable t\hich\af0\dbch\af37\loch\f0 \hich\f0 
he employers to comply with their obligation under the Motor Vehicles (Third Party Insurance) Act (Cap 177) (\'93\loch\f0 \hich\f0 the Motor Vehicles Act\'94\loch\f0 
) to insure against third party risks in connection with the use of motor vehicles.  The existence of that policy was the \hich\af0\dbch\af37\loch\f0 o\hich\af0\dbch\af37\loch\f0 
ther reason why the employers issued a third party notice against the insurers.  The issue which this appeal raises is whether, and to what extent, the insurers were obliged under this policy to indemnify Mr Nemani and the employers for their liability to
\hich\af0\dbch\af37\loch\f0  \hich\af0\dbch\af37\loch\f0 Mr Kishore.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 \hich\af0\dbch\af37\loch\f0 6}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 .    }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1601174 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 \hich\f0 
The part of the policy which covered the employers for legal liability was Section 2: it covered them if, amongst other things, they became \'93\loch\f0 \hich\f0 legally liable for \'85\loch\f0 
 personal injury to passengers (who are not fare paying passengers) arising\hich\af0\dbch\af37\loch\f0 \hich\f0  out of the use of\'94\loch\f0 \hich\f0  the bus.  It also covered Mr Nemani: the policy was \'93\loch\f0 \hich\f0 
extended to indemnify any employee of the insured, as if he or she were the Insured, against liability arising in connection with the use of [the bus] in charge of that employee\'94\loch\f0 .  T\hich\af0\dbch\af37\loch\f0 h\hich\af0\dbch\af37\loch\f0 
e critical provision in the policy is a clause in that part of the policy which set out what the employers would not be insured for.  Three of those clauses applied to Section 2 of the policy only. One of them was clause 22.  Clause 22(b) excluded liabili
\hich\af0\dbch\af37\loch\f0 t\hich\af0\dbch\af37\loch\f0 \hich\f0 y for \'93\loch\f0 \hich\f0 death or bodily injury sustained by \'85\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 \hich\af0\dbch\af37\loch\f0 any}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 \hich\f0  employee of yours.\'94\loch\f0   So although the policy covered the employers\hich\f0 \rquote \loch\f0 
 liability to passengers in the bus who were not fare-paying passengers, the insurers\hich\f0 \rquote \loch\f0  liability to indemnify the employers against a claim m\hich\af0\dbch\af37\loch\f0 
ade by a non-fare-paying passenger was excluded in the case of those non-fare-paying passengers who were the employers\hich\f0 \rquote \loch\f0  employees.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 \hich\af0\dbch\af37\loch\f0 7}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 .     }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1601174 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 The trial judge concluded that this exclusion did not apply to the present case because Mr Kishore had not been acti
\hich\af0\dbch\af37\loch\f0 
ng in the course of his employment at the time.  He therefore declared that the employers were entitled to be indemnified by the insurers for the damages it had been ordered to pay to Mr Kishore.  The correctness of this conclusion turns on the proper con
\hich\af0\dbch\af37\loch\f0 s\hich\af0\dbch\af37\loch\f0 \hich\f0 truction of the words \'93\loch\f0 \hich\f0 [a]ny employee of yours\'94\loch\f0 .  Do those words mean }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid1601174\charrsid1601174 
\hich\af0\dbch\af37\loch\f0 all}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid1601174 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 of the employers\hich\f0 
\rquote \loch\f0  employees, whether or not they were acting in the course of their employment at the time they}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 died or sustained their injuries?  In that event, the insurers\hich\f0 \rquote \loch\f0  obliga\hich\af0\dbch\af37\loch\f0 
tion to indemnify the employers for their liability for Mr Kishore\hich\f0 \rquote \loch\f0 s injuries would have been excluded by clause 22(b).  Or do they mean only those of the employers\hich\f0 \rquote \loch\f0 
 employees who were acting in the course of their employment at the time they died or sust\hich\af0\dbch\af37\loch\f0 a\hich\af0\dbch\af37\loch\f0 ined their injuries? In that event, the insurers\hich\f0 \rquote \loch\f0 
 obligation to indemnify the employers for their}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 
liability for Mr Kishore\hich\f0 \rquote \loch\f0 s injuries would not have been excluded by clause 22(b).}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 \hich\af0\dbch\af37\loch\f0 8}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 .     }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1601174 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 \hich\f0 The trial judge must be treated as having found that the words \'93\loch\f0 [a]\hich\af0\dbch\af37\loch\f0 
\hich\f0 ny employee of yours\'94\loch\f0  in clause 22(b) meant only those of the employers\hich\f0 \rquote \loch\f0  employees who were acting in the course of their employment at the relevant time.  Since Mr Kishore had not been, the insurers\hich\f0 
\rquote \loch\f0  liability to indemnify the employers against Mr Kishor\hich\af0\dbch\af37\loch\f0 e\loch\af0\dbch\af37\hich\f0 \rquote \loch\f0 
s claim had not been excluded.  The Court of Appeal took a different view.  They thought that clause 22(b) excluded the insurers\hich\f0 \rquote \loch\f0  liability to indemnify the employers against Mr Kishore\hich\f0 \rquote \loch\f0 
s claim.  The principal judgment was given by Basnayake JA.  At para\hich\af0\dbch\af37\loch\f0  \hich\af0\dbch\af37\loch\f0 29 of his judgment, he said:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 
\par }\pard \ltrpar\qj \li1080\ri720\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin720\lin1080\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \loch\af0\dbch\af37\hich\f0 \'93\loch\f0 
While the worker is away from his work one cannot say that he is within the course of employment.  However, just because a worker is away from work, he does not cease to be an employee.  As long as the worker is in the pay sh\hich\af0\dbch\af37\loch\f0 
\hich\f0 eet, he is an employee.\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347\charrsid1601174 
\par }\pard \ltrpar\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 \hich\f0 
For the exclusion to have applied on that basis, the Court of Appeal must have found that the words \'93\loch\f0 \hich\f0 [a]ny employee of yours\'94\loch\f0  in clause 22(b) meant }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 all}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0  of the employers\hich\f0 \rquote \loch\f0 
 employees, whether or not they were acting in the course of \hich\af0\dbch\af37\loch\f0 
their employment at the relevant time.  Since Mr Kishore was an employee of the employers, albeit off-duty at the time, the Court of Appeal set aside the declaration that the employers were entitled to be indemnified by the insurers for the damages it had
\hich\af0\dbch\af37\loch\f0  \hich\af0\dbch\af37\loch\f0 
been ordered to pay to Mr Kishore, save only in the sum of $4,000.00.  I shall return to that $4,000.00 later on.  It is from that declaration that the employers and Mr Nemani now apply for leave to appeal to the Supreme Court.  Mr Kishore supports the ap
\hich\af0\dbch\af37\loch\f0 p\hich\af0\dbch\af37\loch\f0 eal \hich\f0 \endash \loch\f0  no doubt because he thinks that he has a better chance of being paid if the employers are indemnified by the insurers for the whole of his damages.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid1601174 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 \hich\af0\dbch\af37\loch\f0 9}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 .     }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 
With respect to the Court of Appeal, its reasoning for coming to the view which it did about \hich\af0\dbch\af37\loch\f0 \hich\f0 the proper construction of the words \'93\loch\f0 \hich\f0 any employee of yours\'94\loch\f0 
 was based on a misunderstanding of one of the provisions in the policy.  Clause 22 excluded the insurers\hich\f0 \rquote \loch\f0  liability to indemnify the employers, not merely against claims by any employees of thei\hich\af0\dbch\af37\loch\f0 r
\hich\af0\dbch\af37\loch\f0 s, but also against claims by anyone driving the bus at the time of the accident.  That is the effect of clause 22(c).  In other words, clause 22(c) excluded the insurers\hich\f0 \rquote \loch\f0 
 obligation to indemnify the employers for any claim the driver of the bus may have \hich\af0\dbch\af37\loch\f0 h\hich\af0\dbch\af37\loch\f0 ad for any injuries which }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid1601174\charrsid1601174 
\hich\af0\dbch\af37\loch\f0 he}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 \hich\f0 
 sustained.  Basnayake JA thought that this exclusion had been removed by the clause in the policy under which the policy was \'93\loch\f0 extended to indemnify any employee of the insured, as if he or she were the Insured against liability
\hich\af0\dbch\af37\loch\f0 \hich\f0  arising in connection with the use of [the bus] in charge of that employee\'94\loch\f0 .  He therefore thought that section 22 excluded the insurers\hich\f0 \rquote \loch\f0 \hich\f0 
 liability to indemnify the employers against claims by \'93\loch\f0 \hich\f0 employees other than drivers\'94\loch\f0 .  That led him to say in para \hich\af0\dbch\af37\loch\f0 2\hich\af0\dbch\af37\loch\f0 8 of his judgment:}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 
\par }\pard \ltrpar\qj \li1080\ri720\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin720\lin1080\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \loch\af0\dbch\af37\hich\f0 \'93\loch\f0 
I am of the view that there is no ambiguity with regard to the employees mentioned under clause 22(b) of the policy.  The insurer has removed the drivers employed by the insured from the exclusion.  In the same way the insurer could ha
\hich\af0\dbch\af37\loch\f0 \hich\f0 ve removed other employees too from the exclusion.  This was not done.\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 \hich\af0\dbch\af37\loch\f0 10}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 .    The error into which Basnayake JA fell was in thinking that the clause in the policy extending cover had the effect of removing the exclusion for drivers in section 22(c) of th
\hich\af0\dbch\af37\loch\f0 e policy.  It did no such thing.  It did not }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 reduce the ambit of the exclusions}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0  in section 22 at all.  Instead, it }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 extended the cover}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0  under the policy to require the insurers to indemnify, not just the employers but their employees as well, against claims \hich\af0\dbch\af37\loch\f0 made against them.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 \hich\af0\dbch\af37\loch\f0 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 \hich\f0 .     In the light of all this, I turn to the proper construction of the words \'93\loch\f0 \hich\f0 [a]ny employee of yours\'94\loch\f0  in clause 22(b) of the policy.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 
The insurers contend that to say that they refer only to those employees who are injured in the co\hich\af0\dbch\af37\loch\f0 
urse of their employment is an impermissible gloss on the language of clause 22(b).  It does not say that the liability is to be excluded only if the employee is acting in the course of his employment at the relevant time.  It excludes liability for injur
\hich\af0\dbch\af37\loch\f0 i\hich\af0\dbch\af37\loch\f0 \hich\f0 es to \'93\loch\f0 \hich\f0 any employee\'94\loch\f0 , i.e. all employees.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 \hich\af0\dbch\af37\loch\f0 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 .     In my view, that is far too simplistic an approach.  An employee who is a passenger in a vehicle driven by one of the employers\hich\f0 \rquote \loch\f0 
 drivers and is injured as a result of the driver\hich\f0 \rquote \loch\f0 s negligent driving (but \hich\af0\dbch\af37\loch\f0 
who was not in the course of his employment at the time) is in no different position from any other passenger in the same vehicle who was injured at the same time (but who was not an employee of the employers).  In other words, an off-duty employee is no 
\hich\af0\dbch\af37\loch\f0 d\hich\af0\dbch\af37\loch\f0 ifferent from any other passenger in the vehicle.  Why should clause 22(b) be construed in a way which makes him worse off than any other passenger?}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1601174 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 That anomaly would be avoided if clause 22(b) were construed as excluding the insurers\hich\f0 
\rquote \loch\f0  liability to indemn\hich\af0\dbch\af37\loch\f0 ify the employers only in respect of claims by employees who are injured in the course of their employment.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 \hich\af0\dbch\af37\loch\f0 3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 .     The other argument in favour of the alternative construction of clause 22(b) contended for by the insurers is, as I understand it, along th\hich\af0\dbch\af37\loch\f0 
ese lines.  The policy was entered into by the employers to comply with their obligations under the Motor Vehicles Act for users of motor vehicles to insure third parties against injury.  Such cover did not have to extend to passengers in motor vehicles, 
\hich\af0\dbch\af37\loch\f0 e\hich\af0\dbch\af37\loch\f0 \hich\f0 xcept in certain cases.  One of those cases was where the passenger is being carried \'93\loch\f0 \hich\f0 for hire or reward\'94\loch\f0 .  The other case \hich\f0 \endash \loch\f0 
 and the one which is relevant to this litigation \hich\f0 \endash \loch\f0 \hich\f0  is where the passenger is being \'93\loch\f0 carried by reason of or in pursuance of a cont\hich\af0\dbch\af37\loch\f0 r\hich\af0\dbch\af37\loch\f0 \hich\f0 
act of employment\'94\loch\f0 \hich\f0 : see proviso (a)(ii) to section 6(1) of the Act.  The words \'93\loch\f0 \hich\f0 by reason of \'85\loch\f0 \hich\f0  a contract employment\'94\loch\f0 \hich\f0  have to be read in conjunction with the words \'93
\loch\f0 \hich\f0 in pursuance of\'94\loch\f0 , and they refer to the situation where the passenger\hich\f0 \rquote \loch\f0 s contract of employ\hich\af0\dbch\af37\loch\f0 m\hich\af0\dbch\af37\loch\f0 
ent expressly or impliedly required him, or gave him the right, to travel in the vehicle as a passenger: see }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid1601174\charrsid16069352 \hich\af0\dbch\af37\loch\f0 
Tan Keng Hong v New India Assurance Co Ltd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0  [1978] 1 WLR 297.  Accordingly, since the employers were not required to have cover for their employees 
\hich\af0\dbch\af37\loch\f0 when they were passengers in one of the employers\hich\f0 \rquote \loch\f0  vehicles otherwise than in the course of their employment, clause 22(b) should be construed as excluding the insurers\hich\f0 \rquote \loch\f0 
 liability to indemnify the employers against claims arising in such a situation.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 \hich\af0\dbch\af37\loch\f0 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 . \hich\af0\dbch\af37\loch\f0 
    I cannot go along with this argument.  The Motor Vehicles Act is all about the minimum cover which has to be provided.  It says nothing about what additional cover may be agreed.  What the minimum requirement of the law may be is hardly a reliable gui
\hich\af0\dbch\af37\loch\f0 d\hich\af0\dbch\af37\loch\f0 
e to the extent of the cover which was intended to be given.  Indeed, as we shall see shortly, although the minimum cover which a policy of this kind was required by law to provide for passengers was $4,000.00, the cover in this case had been increased to
\hich\af0\dbch\af37\loch\f0  \hich\af0\dbch\af37\loch\f0 $250,000.00 \hich\f0 \endash \loch\f0  a good example of why the minimum requirement of the law is not a reliable guide to the extent of the cover which was intended to be given. }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 \hich\af0\dbch\af37\loch\f0 5}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid814786 \hich\af0\dbch\af37\loch\f0 .  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid814786 \tab }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 Moreover, if it had been intended to limit the cover to the minimum required by the Mo}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid814786 \hich\af0\dbch\af37\loch\f0 
tor}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 Vehi\hich\af0\dbch\af37\loch\f0 
cles Act, one might have expected the policy to track the provisions of the Act.  That could have been done by providing that the policy }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 
did not cover}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0  the employers\hich\f0 \rquote \loch\f0 \hich\f0  liability to any passengers, with the exception of passengers being \'93\loch\f0 
carried for hire or r\hich\af0\dbch\af37\loch\f0 \hich\f0 eward\'94\loch\f0 \hich\f0  and those being carried \'93\loch\f0 \hich\f0 by reason of or in pursuance of a contract of employment\'94\loch\f0 .  Instead, the policy }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 covered}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 
 all passengers with certain exceptions.  And when it came to the employee exception, it did not track the statutory language but simply \hich\af0\dbch\af37\loch\f0 referred to the employers\hich\f0 \rquote \loch\f0 
 employees without saying which employees were being referred to.  In the circumstances, I do not think that the requirements of the Motor Vehicles Act are a helpful aid to the construction of this particular policy of insurance.}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 \hich\af0\dbch\af37\loch\f0 6}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 .     }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid814786 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 
In my opinion, the proper construction of clause 22(b) is the one which avoids the anomaly to which I have already referred.  It should therefore be construed as excluding the insurers\hich\f0 \rquote \loch\f0 
 liability to indemnify the employers against claims made by \hich\af0\dbch\af37\loch\f0 
its employees arising only when the employee was acting in the course of his employment at the relevant time.  Since Mr Kishore was not acting in the course of his employment when he was injured, it follows that the insurers\hich\f0 \rquote \loch\f0 
 liability to indemnify his em\hich\af0\dbch\af37\loch\f0 p\hich\af0\dbch\af37\loch\f0 loyers (and Mr Nemani for that matter) against Mr Kishore\hich\f0 \rquote \loch\f0 s claim was not excluded by the policy.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 \hich\af0\dbch\af37\loch\f0 7}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 .    I return to the $4,000.00 which the Court of Appeal substituted for the damages of $172,458.35.  It did so on the basis of a concession by the insurer\hich\af0\dbch\af37\loch\f0 s
\hich\f0 \rquote \loch\f0 \hich\f0  counsel.  That concession was based on proviso (b) to section 6(1) of the Act.  That provided that a policy insuring users of motor vehicles against third party risks was not \'93\loch\f0 
required to cover liability in excess of $4,000 for }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 any}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 
\hich\af0\dbch\af37\loch\f0  claim made by or in r\hich\af0\dbch\af37\loch\f0 \hich\f0 espect of any passenger \'85\loch\f0  or in excess of $40,000 for }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid1601174\charrsid1601174 
\hich\af0\dbch\af37\loch\f0 all}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 \hich\f0  claims made by or in respect of such passengers\'94\loch\f0 
 (emphasis supplied).  However, this proviso simply relates to the minimum cover which must be provided.  It is open to insurers and the insured to ex\hich\af0\dbch\af37\loch\f0 
ceed that cover if they wish.  The policy in this case provided for cover for passengers up to $250,000.00.  In any event, once the Court of Appeal had decided that Mr Kishore was not covered by the policy because of its construction of clause 22(b), ther
\hich\af0\dbch\af37\loch\f0 e\hich\af0\dbch\af37\loch\f0  was no basis for the insurers to be ordered to indemnify the employers in any sum at all.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 \hich\af0\dbch\af37\loch\f0 8}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 .     In the interests of completeness, I should add three other things.  First, counsel for the employers and Mr Nemani forcefully relied on the decision of the 
\hich\af0\dbch\af37\loch\f0 Court of Appeal in England in }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid1601174\charrsid16069352 \hich\af0\dbch\af37\loch\f0 Richards v Cox}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0  [1942] 2 All ER 624.  It is unnecessary for me to set out either the facts of that case or the effect of the Court of Appeal\hich\f0 \rquote \loch\f0 
s decision.  It might have been necessary to do that if the Court of Appeal in the pre\hich\af0\dbch\af37\loch\f0 
sent case had been right to regard, as relevant to the issue of construction which it had to decide, the fact that the policy had been extended to indemnify Mr Nemani against liability for his driving of the bus.  For the reasons set out in paras 9 and 10
\hich\af0\dbch\af37\loch\f0  \hich\af0\dbch\af37\loch\f0 above, I do not think that the Court of Appeal was right to do that.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12980375 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 \hich\af0\dbch\af37\loch\f0 9}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 .    }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12980375 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 
Secondly, counsel for the insurers relied on a series of cases as authority for the proposition that insurers will be discharged from their liability to indemnify the insured aga\hich\af0\dbch\af37\loch\f0 
inst claims by third parties if the vehicle was being used in breach of any of the conditions of the policy.  I do not doubt the correctness of that statement of the law, but I have not discerned its relevance to the present case.  No term of the policy w
\hich\af0\dbch\af37\loch\f0 a\hich\af0\dbch\af37\loch\f0 s breached by Mr Nemani driving the bus or by Mr Kishore being a passenger in it.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 \hich\af0\dbch\af37\loch\f0 20}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 .    }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid16069352 \tab \hich\af0\dbch\af37\loch\f0 F}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 inally, the issue which this appeal has raised is a legacy o}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid16069352 \hich\af0\dbch\af37\loch\f0 f the past.  The Motor Vehicles }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 
Act was based on similar legislation in England.  Before 1972, it was no\hich\af0\dbch\af37\loch\f0 
t compulsory in England to insure against liability for death or bodily injury sustained by passengers carried in the insured vehicle unless they were carried for hire or reward or by reason of or in pursuance of a contract of employment.  The law in Engl
\hich\af0\dbch\af37\loch\f0 a\hich\af0\dbch\af37\loch\f0 
nd changed in 1972, and since then motor insurance policies must cover passengers on the same footing as any other injured third parties.  The law in Fiji did not keep abreast of that development.  Indeed, now that no fault liability }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid814786 \hich\af0\dbch\af37\loch\f0 has }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 come into force in\hich\af0\dbch\af37\loch\f0 
 Fiji, litigation like the present one may also become a thing of the past.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid1601174 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 \hich\af0\dbch\af37\loch\f0 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 .    }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid814786 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1601174\charrsid1601174 \hich\af0\dbch\af37\loch\f0 
For these reasons, I agree entirely with Chitrasiri J that special leave to appeal should be granted to the employers and Mr Nemani, that the order of the Court of Appeal \hich\af0\dbch\af37\loch\f0 
should be set aside, and that the order of the trial judge should be restored.  I also agree with the order for costs which Chitrasiri J proposes.
\par 
\par }\pard \ltrpar\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8208692 
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8208692\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Chitrasiri, J:}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8208692 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8208692\charrsid8208692 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid4403567\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Introduction}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8747917 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid4485347\charrsid8208692 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 \hich\af0\dbch\af37\loch\f0 22.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7562906 \hich\af0\dbch\af37\loch\f0  \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1256947\charrsid8208692 \hich\af0\dbch\af37\loch\f0 The two }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4284910 
\hich\af0\dbch\af37\loch\f0 petitioners}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1256947\charrsid8208692 \hich\af0\dbch\af37\loch\f0  are seeking leave to appeal from the judgment of \hich\af0\dbch\af37\loch\f0 the Court of Appeal dated 26}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid1256947\charrsid8208692 \hich\af0\dbch\af37\loch\f0 th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1256947\charrsid8208692 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7562906 \hich\af0\dbch\af37\loch\f0 M}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1256947\charrsid8208692 \hich\af0\dbch\af37\loch\f0 ay 2017 and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1854859\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 then }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1256947\charrsid8208692 \hich\af0\dbch\af37\loch\f0 to have the said judgment set aside. While praying for the said relief}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid5642093\charrsid8208692 \hich\af0\dbch\af37\loch\f0 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1256947\charrsid8208692 \hich\af0\dbch\af37\loch\f0 , they also have sought to reinstate the judgment }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid2495876\charrsid8208692 \hich\af0\dbch\af37\loch\f0 dated 01.06.2012 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8723677\charrsid8208692 \hich\af0\dbch\af37\loch\f0 of the trial judge}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid7562906 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3621019\charrsid8208692 \hich\af0\dbch\af37\loch\f0 in the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1128148\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 H}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3621019\charrsid8208692 \hich\af0\dbch\af37\loch\f0 igh }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1128148\charrsid8208692 \hich\af0\dbch\af37\loch\f0 C}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3621019\charrsid8208692 \hich\af0\dbch\af37\loch\f0 ourt}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2495876\charrsid8208692 \hich\af0\dbch\af37\loch\f0 . Decision of the learned High Co
\hich\af0\dbch\af37\loch\f0 urt Judge was to award the plaintiff a sum of $172,458.35 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16205251\charrsid8208692 \hich\af0\dbch\af37\loch\f0 as damages }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2495876\charrsid8208692 \hich\af0\dbch\af37\loch\f0 together with costs in the sum of $3000.00 against the two petitioners. He also ordered that the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid2495876\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6252462\charrsid8208692 \hich\af0\dbch\af37\loch\f0 petitioner }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1854859\charrsid8208692 \hich\af0\dbch\af37\loch\f0 is}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6252462\charrsid8208692 \hich\af0\dbch\af37\loch\f0  entitled to be indemnified }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1854859\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
the total amount of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16205251\charrsid8208692 \hich\af0\dbch\af37\loch\f0 the said }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1854859\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
damages together \hich\af0\dbch\af37\loch\f0 with costs awarded to the plaintiff }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6252462\charrsid8208692 \hich\af0\dbch\af37\loch\f0 by the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\super\insrsid6252462\charrsid8208692 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6252462\charrsid8208692 \hich\af0\dbch\af37\loch\f0  respondent ({\*\bkmkstart _Hlk511469670}Dominion Insurance limited
{\*\bkmkend _Hlk511469670})}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7562906 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6252462\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
under a Motor Vehicle Compulsory Third Party Policy Certificate. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13859768 
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7562906 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid8208692 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 \hich\af0\dbch\af37\loch\f0 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7562906 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid6252462\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Court of Appeal set aside the judgment of the High Court and held that the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid6252462\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6252462\charrsid8208692 \hich\af0\dbch\af37\loch\f0  respondent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1128148\charrsid8208692 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid6252462\charrsid8208692 \hich\af0\dbch\af37\loch\f0  Dominio\hich\af0\dbch\af37\loch\f0 n Insurance limited}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7562906 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3621019\charrsid8208692 \hich\af0\dbch\af37\loch\f0 is not liable to pay the amount as decided by the High Court but }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8669898\charrsid8208692 \hich\af0\dbch\af37\loch\f0 is liable to }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5204898\charrsid8208692 \hich\af0\dbch\af37\loch\f0 pay}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8669898\charrsid8208692 \hich\af0\dbch\af37\loch\f0  the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\super\insrsid8669898\charrsid8208692 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8669898\charrsid8208692 \hich\af0\dbch\af37\loch\f0  petitioner }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid5204898\charrsid8208692 \hich\af0\dbch\af37\loch\f0 only }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1128148\charrsid8208692 \hich\af0\dbch\af37\loch\f0 a }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8669898\charrsid8208692 \hich\af0\dbch\af37\loch\f0 sum of $4000.00}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5664030\charrsid8208692 \hich\af0\dbch\af37\loch\f0  and it was}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid6323453 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5204898\charrsid8208692 \hich\af0\dbch\af37\loch\f0 under proviso (b) to Section 6(1) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10245774\charrsid8208692 \hich\af0\dbch\af37\loch\f0 of the Motor Vehicles (Third Party Insurance) Act }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16674469\charrsid8208692 \hich\af0\dbch\af37\loch\f0 1948}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid12931302\charrsid8208692 \hich\af0\dbch\af37\loch\f0 . (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5664030\charrsid8208692 \hich\af0\dbch\af37\loch\f0 CAP177) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3621019\charrsid8208692 \hich\af0\dbch\af37\loch\f0 I}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3683441\charrsid8208692 \hich\af0\dbch\af37\loch\f0 n\hich\af0\dbch\af37\loch\f0 deed }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8669898\charrsid8208692 \hich\af0\dbch\af37\loch\f0 which }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5204898\charrsid8208692 \hich\af0\dbch\af37\loch\f0 liability had been}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8669898\charrsid8208692 \hich\af0\dbch\af37\loch\f0  admitted by the insurance company}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6389154\charrsid8208692 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16546742 
\hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6323453 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13594696\charrsid8208692 \hich\af0\dbch\af37\loch\f0 T}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid3621019\charrsid8208692 \hich\af0\dbch\af37\loch\f0 he }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5204898\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Court of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid16546742\charrsid8208692 \hich\af0\dbch\af37\loch\f0 appeal}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7562906\charrsid8208692 \hich\af0\dbch\af37\loch\f0  thereafter}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13594696\charrsid8208692 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5204898\charrsid8208692 \hich\af0\dbch\af37\loch\f0 held that the Insurance Company is not liable to make indemnity payment }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16674469\charrsid8208692 \hich\af0\dbch\af37\loch\f0 to pay the plaintiff as general and special damages }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1128148\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 awarded }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14354395\charrsid8208692 \hich\af0\dbch\af37\loch\f0 to him }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1128148\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
as a result of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6323453 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9118037\charrsid8208692 \hich\af0\dbch\af37\loch\f0 the i\hich\af0\dbch\af37\loch\f0 
njuries he sustained. Court of Appeal relied on the exclusion clause found in the insurance policy }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10173387\charrsid8208692 \hich\af0\dbch\af37\loch\f0 i.e.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid9118037\charrsid8208692 \hich\af0\dbch\af37\loch\f0  clause 22(b) in Section 2 of the insurance policy when deciding so. The said clause 22(b) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13594696\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 purports to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9118037\charrsid8208692 \hich\af0\dbch\af37\loch\f0 exclude the extended liability of the insurance co\hich\af0\dbch\af37\loch\f0 mpany }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid1128148\charrsid8208692 \hich\af0\dbch\af37\loch\f0 when it comes to}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9118037\charrsid8208692 \hich\af0\dbch\af37\loch\f0  the employees of the 1}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\super\insrsid9118037\charrsid8208692 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9118037\charrsid8208692 \hich\af0\dbch\af37\loch\f0  petitioner Tebara Transport Limited. }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8736707\charrsid8208692 \hich\af0\dbch\af37\loch\f0 The}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10173387\charrsid8208692 \hich\af0\dbch\af37\loch\f0  decision}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8736707\charrsid8208692 \hich\af0\dbch\af37\loch\f0  of the Court of Appeal}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10173387\charrsid8208692 \hich\af0\dbch\af37\loch\f0  was that the plaintiff being an employee of the 1}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid10173387\charrsid8208692 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10173387\charrsid8208692 \hich\af0\dbch\af37\loch\f0  petitioner company is excluded }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8736707\charrsid8208692 \hich\af0\dbch\af37\loch\f0 from }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10173387\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
obtaining the cover under the insurance polic}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13594696\charrsid8208692 \hich\af0\dbch\af37\loch\f0 y}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10173387\charrsid8208692 
\hich\af0\dbch\af37\loch\f0  \hich\af0\dbch\af37\loch\f0 put in suit.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7562906 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 \hich\af0\dbch\af37\loch\f0 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485347 .}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7562906 \hich\af0\dbch\af37\loch\f0  \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9846635\charrsid7562906 \hich\af0\dbch\af37\loch\f0 Exemptions }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11303258\charrsid7562906 \hich\af0\dbch\af37\loch\f0 from the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9846635\charrsid7562906 \hich\af0\dbch\af37\loch\f0 
 liabilities of the Dominion Insurance Limited is found in Clause 22 in Section 2 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15034637\charrsid7562906 \hich\af0\dbch\af37\loch\f0 of the insurance policy }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1845273\charrsid7562906 \hich\af0\dbch\af37\loch\f0 and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14354395\charrsid7562906 \hich\af0\dbch\af37\loch\f0 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid16410692\charrsid7562906 \hich\af0\dbch\af37\loch\f0 said }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14354395\charrsid7562906 \hich\af0\dbch\af37\loch\f0 exemption clause}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid6323453 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9846635\charrsid7562906 \hich\af0\dbch\af37\loch\f0 reads as follows:
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9846635\charrsid8208692 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid15295041\charrsid8208692 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7562906 
\par }\pard \ltrpar\qj \fi720\li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid9846635\charrsid8208692 \loch\af0\dbch\af37\hich\f0 \'93\loch\f0 
22. In respect of death or bodily injury sustained by:
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid9846635\charrsid8208692 \tab \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid15295041\charrsid8208692 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid9846635\charrsid8208692 \hich\af0\dbch\af37\loch\f0 (a\hich\af0\dbch\af37\loch\f0 )Any relative or friend who permanently resides with you
\par \tab \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid15295041\charrsid8208692 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid9846635\charrsid8208692 \hich\af0\dbch\af37\loch\f0 (b)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid9846635\charrsid12931302 \hich\af0\dbch\af37\loch\f0 Any employee of yours}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid9846635\charrsid8208692 
\par \tab \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid15295041\charrsid8208692 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid9846635\charrsid8208692 \hich\af0\dbch\af37\loch\f0 \hich\f0 
(c)Any person driving the vehicle at the time of the accident\'94.
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid10636206 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid4790188 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid805026\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Background}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid13859768 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid7562906\charrsid8208692 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 25}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7562906 \hich\af0\dbch\af37\loch\f0 . \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15474657\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Ravindra Kishore}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11875190\charrsid8208692 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7562906 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1339021\charrsid8208692 \hich\af0\dbch\af37\loch\f0 the }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15474657\charrsid8208692 \hich\af0\dbch\af37\loch\f0 plaintiff in the High Court action bearing }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11042814\charrsid8208692 \hich\af0\dbch\af37\loch\f0 N}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15474657\charrsid8208692 \hich\af0\dbch\af37\loch\f0 o.22 of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15099825\charrsid8208692 \hich\af0\dbch\af37\loch\f0 2005,}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid6323453 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15099825\charrsid8208692 \hich\af0\dbch\af37\loch\f0 [2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\super\insrsid15099825\charrsid8208692 \hich\af0\dbch\af37\loch\f0 nd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15099825\charrsid8208692 \hich\af0\dbch\af37\loch\f0  r\hich\af0\dbch\af37\loch\f0 espondent in this appeal]}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7562906 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11875190\charrsid8208692 \hich\af0\dbch\af37\loch\f0 claim}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13987808\charrsid8208692 \hich\af0\dbch\af37\loch\f0 ed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7562906 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8213671\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 general and special }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11875190\charrsid8208692 \hich\af0\dbch\af37\loch\f0 damages from the petitioner}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid14708210\charrsid8208692 \hich\af0\dbch\af37\loch\f0 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15420794\charrsid8208692 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14708210\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
 namely Tebara Transport }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8208692\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Limited and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14827889\charrsid8208692 \hich\af0\dbch\af37\loch\f0  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15219571\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Motoiula}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8208692\charrsid8208692 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid15219571\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Nemani who were the defendants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13842425\charrsid8208692 \hich\af0\dbch\af37\loch\f0  in th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8076162\charrsid8208692 \hich\af0\dbch\af37\loch\f0 at}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13842425\charrsid8208692 \hich\af0\dbch\af37\loch\f0  action. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid14708210\charrsid8208692 \hich\af0\dbch\af37\loch\f0 The}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8605010\charrsid8208692 \hich\af0\dbch\af37\loch\f0  said claim of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2391737\charrsid8208692 \hich\af0\dbch\af37\loch\f0 plaintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16413849 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2391737\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 had been}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8605010\charrsid8208692 \hich\af0\dbch\af37\loch\f0  made consequent upon the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11875190\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 injuries }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8605010\charrsid8208692 \hich\af0\dbch\af37\loch\f0 susta\hich\af0\dbch\af37\loch\f0 ined by }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8076162\charrsid8208692 \hich\af0\dbch\af37\loch\f0 him in }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5078185\charrsid8208692 \hich\af0\dbch\af37\loch\f0 an accident }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8404844\charrsid8208692 \hich\af0\dbch\af37\loch\f0 involving}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8076162\charrsid8208692 \hich\af0\dbch\af37\loch\f0  the vehicle}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid15099825\charrsid8208692 \hich\af0\dbch\af37\loch\f0  bearing the registration }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1916482\charrsid8208692 \hich\af0\dbch\af37\loch\f0 No. DA}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid15099825\charrsid8208692 \hich\af0\dbch\af37\loch\f0  737}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8076162\charrsid8208692 \hich\af0\dbch\af37\loch\f0  in which he was travelling }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid15099825\charrsid8208692 \hich\af0\dbch\af37\loch\f0 on the 03}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid15099825\charrsid8208692 \hich\af0\dbch\af37\loch\f0 rd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid15099825\charrsid8208692 \hich\af0\dbch\af37\loch\f0  of August 2002 in order}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10690649\charrsid8208692 \hich\af0\dbch\af37\loch\f0  to arrive at }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2391737\charrsid8208692 \hich\af0\dbch\af37\loch\f0 his}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8076162\charrsid8208692 \hich\af0\dbch\af37\loch\f0  work }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2391737\charrsid8208692 \hich\af0\dbch\af37\loch\f0 place}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11875190\charrsid8208692 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13842425 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid7562906 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid4790188\charrsid8208692 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 26}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7562906 \hich\af0\dbch\af37\loch\f0 . \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4194682\charrsid8208692 \hich\af0\dbch\af37\loch\f0 In the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13987808\charrsid8208692 \hich\af0\dbch\af37\loch\f0 writ of summons filed in the said High Court, }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid13842425\charrsid8208692 \hich\af0\dbch\af37\loch\f0 t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13987808\charrsid8208692 \hich\af0\dbch\af37\loch\f0 h}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11042814\charrsid8208692 \hich\af0\dbch\af37\loch\f0 e }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13842425\charrsid8208692 \hich\af0\dbch\af37\loch\f0 plaintiff }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11039811\charrsid8208692 \hich\af0\dbch\af37\loch\f0 allege\hich\af0\dbch\af37\loch\f0 d that the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13393513\charrsid8208692 \hich\af0\dbch\af37\loch\f0 first}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid11039811\charrsid8208692 \hich\af0\dbch\af37\loch\f0  defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13393513\charrsid8208692 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7562906 
{\*\bkmkstart _Hlk511230638}\hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13393513\charrsid8208692 \hich\af0\dbch\af37\loch\f0 [2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid13393513\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 nd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13393513\charrsid8208692 \hich\af0\dbch\af37\loch\f0  Petitioner] Motoiula}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8208692\charrsid8208692 
\hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13393513\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Nemani{\*\bkmkend _Hlk511230638} being the driver of the vehicle }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11039811\charrsid8208692 \hich\af0\dbch\af37\loch\f0 is liable to pay him damages }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3297241\charrsid8208692 \hich\af0\dbch\af37\loch\f0 for the injuries }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid13707916\charrsid8208692 \hich\af0\dbch\af37\loch\f0 that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3297241\charrsid8208692 \hich\af0\dbch\af37\loch\f0 he sustained }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13393513\charrsid8208692 \hich\af0\dbch\af37\loch\f0 due to}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16413849 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10690649\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11039811\charrsid8208692 \hich\af0\dbch\af37\loch\f0 negligent driving }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10690649\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 of the driver [1st defendant] }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11039811\charrsid8208692 \hich\af0\dbch\af37\loch\f0 while the second defendant }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13393513\charrsid8208692 \hich\af0\dbch\af37\loch\f0 [1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid13393513\charrsid8208692 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13393513\charrsid8208692 \hich\af0\dbch\af37\loch\f0  Petition\hich\af0\dbch\af37\loch\f0 er] }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13987808\charrsid8208692 \hich\af0\dbch\af37\loch\f0 is vicariously liable }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11039811\charrsid8208692 \hich\af0\dbch\af37\loch\f0 as the master of the first defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13987808\charrsid8208692 \hich\af0\dbch\af37\loch\f0 . }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15219571\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Consequently, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14827889\charrsid8208692 \hich\af0\dbch\af37\loch\f0 the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\super\insrsid14827889\charrsid8208692 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14827889\charrsid8208692 \hich\af0\dbch\af37\loch\f0  respondent namely Dominion }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3109894 \hich\af0\dbch\af37\loch\f0 I}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14827889\charrsid8208692 \hich\af0\dbch\af37\loch\f0 nsurance }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3109894 
\hich\af0\dbch\af37\loch\f0 L}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14827889\charrsid8208692 \hich\af0\dbch\af37\loch\f0 imited was added as a party to the action}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16413849 
\hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3109894 \hich\af0\dbch\af37\loch\f0 in the High Court }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7429330\charrsid8208692 \hich\af0\dbch\af37\loch\f0 as the 3}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid7429330\charrsid8208692 \hich\af0\dbch\af37\loch\f0 rd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7429330\charrsid8208692 \hich\af0\dbch\af37\loch\f0  defendant }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid15219571\charrsid8208692 \hich\af0\dbch\af37\loch\f0 on the basis of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7429330\charrsid8208692 \hich\af0\dbch\af37\loch\f0 terms }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10690649\charrsid8208692 \hich\af0\dbch\af37\loch\f0 and conditions }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14354395\charrsid8208692 \hich\af0\dbch\af37\loch\f0 found }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7429330\charrsid8208692 \hich\af0\dbch\af37\loch\f0 in t\hich\af0\dbch\af37\loch\f0 he }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15219571\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Motor Vehicle (Third Party) Insurance Policy }
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6698708\charrsid8208692 \hich\af0\dbch\af37\loch\f0 (Pg. 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3109894 \hich\af0\dbch\af37\loch\f0 48 -}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid6698708\charrsid8208692 \hich\af0\dbch\af37\loch\f0  253 of the High Court Record) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15219571\charrsid8208692 \hich\af0\dbch\af37\loch\f0 entered between the }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid13393513\charrsid8208692 \hich\af0\dbch\af37\loch\f0 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid13393513\charrsid8208692 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid15219571\charrsid8208692 \hich\af0\dbch\af37\loch\f0 petitioner and the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid15219571\charrsid8208692 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid15219571\charrsid8208692 \hich\af0\dbch\af37\loch\f0  respondent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13842425\charrsid8208692 \hich\af0\dbch\af37\loch\f0 . In that Policy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid12931302\charrsid8208692 \hich\af0\dbch\af37\loch\f0 , 1st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13842425\charrsid8208692 \hich\af0\dbch\af37\loch\f0  respondent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3297241\charrsid8208692 \hich\af0\dbch\af37\loch\f0  being}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13842425\charrsid8208692 \hich\af0\dbch\af37\loch\f0  the insurer }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3297241\charrsid8208692 \hich\af0\dbch\af37\loch\f0 of the policy }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13842425\charrsid8208692 \hich\af0\dbch\af37\loch\f0 had undertaken to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7361306\charrsid8208692 \hich\af0\dbch\af37\loch\f0 indemnify}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16413849 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13393513\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid13393513\charrsid8208692 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13393513\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
 petitioner\hich\af0\dbch\af37\loch\f0  of the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7956745\charrsid8208692 \hich\af0\dbch\af37\loch\f0  liability}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16413849 \hich\af0\dbch\af37\loch\f0  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3297241\charrsid8208692 \hich\af0\dbch\af37\loch\f0 for the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13842425\charrsid8208692 \hich\af0\dbch\af37\loch\f0  personal injur}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3297241\charrsid8208692 \hich\af0\dbch\af37\loch\f0 ies}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16413849 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10710035\charrsid8208692 \hich\af0\dbch\af37\loch\f0 c}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14225948 \hich\af0\dbch\af37\loch\f0 au}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10710035\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 se}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13842425\charrsid8208692 \hich\af0\dbch\af37\loch\f0 d to passenger}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14354395\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16413849 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3297241\charrsid8208692 \hich\af0\dbch\af37\loch\f0 while }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13842425\charrsid8208692 \hich\af0\dbch\af37\loch\f0 travelling in the bus involved in th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14708210\charrsid8208692 \hich\af0\dbch\af37\loch\f0 is}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13842425\charrsid8208692 \hich\af0\dbch\af37\loch\f0  accident}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7429330\charrsid8208692 \hich\af0\dbch\af37\loch\f0  which }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13265487\charrsid8208692 \hich\af0\dbch\af37\loch\f0 i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7429330\charrsid8208692 \hich\af0\dbch\af37\loch\f0 s the subject matter of the aforesaid insurance policy}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid15219571\charrsid8208692 \hich\af0\dbch\af37\loch\f0 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15474657 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8148088 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid8208692 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 27}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8148088 \hich\af0\dbch\af37\loch\f0 . \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4740808\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Admittedly, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9372201\charrsid8208692 \hich\af0\dbch\af37\loch\f0 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4740808\charrsid8208692 \hich\af0\dbch\af37\loch\f0 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid4740808\charrsid8208692 \hich\af0\dbch\af37\loch\f0 nd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4740808\charrsid8208692 \hich\af0\dbch\af37\loch\f0  respondent was employed in the petitioner compa\hich\af0\dbch\af37\loch\f0 ny }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14708210\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
for }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15499215\charrsid8208692 \hich\af0\dbch\af37\loch\f0 about 15 years}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8148088 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4740808\charrsid8208692 \hich\af0\dbch\af37\loch\f0 as a labourer}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8148088 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15499215\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 [Tyre}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8148088 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13707916\charrsid8208692 \hich\af0\dbch\af37\loch\f0 repair}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15499215\charrsid8208692 \hich\af0\dbch\af37\loch\f0 man] }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4740808\charrsid8208692 \hich\af0\dbch\af37\loch\f0 at its motor garage in Walu Bay. }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15499215\charrsid8208692 \hich\af0\dbch\af37\loch\f0 On 03}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid15499215\charrsid8208692 \hich\af0\dbch\af37\loch\f0 rd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid15499215\charrsid8208692 \hich\af0\dbch\af37\loch\f0  of August 2002, h}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4740808\charrsid8208692 \hich\af0\dbch\af37\loch\f0 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7361306\charrsid8208692 \hich\af0\dbch\af37\loch\f0  was travelling in}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8148088 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15216974\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7361306\charrsid8208692 \hich\af0\dbch\af37\loch\f0  bus }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid333231\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
belonging to the petitioner company and it}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7361306\charrsid8208692 \hich\af0\dbch\af37\loch\f0  collided }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4740808\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 with another vehicle }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7361306\charrsid8208692 \hich\af0\dbch\af37\loch\f0 on its way to Suva from Nausori. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid16346655\charrsid8208692 \hich\af0\dbch\af37\loch\f0 As a result}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13399901\charrsid8208692 \hich\af0\dbch\af37\loch\f0 , }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4740808\charrsid8208692 \hich\af0\dbch\af37\loch\f0 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid4740808\charrsid8208692 \hich\af0\dbch\af37\loch\f0 nd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4740808\charrsid8208692 \hich\af0\dbch\af37\loch\f0  respondent sustained multiple injuries. The bus was driven by Motoiula}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8148088 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid4740808\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Nemani}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13399901\charrsid8208692 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4740808\charrsid8208692 
\hich\af0\dbch\af37\loch\f0  the 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid4740808\charrsid8208692 \hich\af0\dbch\af37\loch\f0 nd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4740808\charrsid8208692 \hich\af0\dbch\af37\loch\f0  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3109894 \hich\af0\dbch\af37\loch\f0 petitioner}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4740808\charrsid8208692 \hich\af0\dbch\af37\loch\f0 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13399901\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Court found that the accident was due to the negligence of the driver and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4740808\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
was convicted for dangerous driving. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4740808 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8148088 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid8208692 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 28}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8148088 \hich\af0\dbch\af37\loch\f0 . \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13133040\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Learned High Court Judge}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8148088 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13133040\charrsid8208692 \hich\af0\dbch\af37\loch\f0 held tha\hich\af0\dbch\af37\loch\f0 t the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid13133040\charrsid8208692 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid13133040\charrsid8208692 \hich\af0\dbch\af37\loch\f0  respondent insurer }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13399901\charrsid8208692 \hich\af0\dbch\af37\loch\f0 shall}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4354179\charrsid8208692 \hich\af0\dbch\af37\loch\f0  indemnify }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13399901\charrsid8208692 \hich\af0\dbch\af37\loch\f0 the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\super\insrsid13399901\charrsid8208692 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13399901\charrsid8208692 \hich\af0\dbch\af37\loch\f0  Petitioner in terms of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13133040\charrsid8208692 \hich\af0\dbch\af37\loch\f0  the aforesaid }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid333231\charrsid8208692 \hich\af0\dbch\af37\loch\f0 third-party }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13133040\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Motor Vehicle insurance}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13399901\charrsid8208692 \hich\af0\dbch\af37\loch\f0  policy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13133040\charrsid8208692 \hich\af0\dbch\af37\loch\f0 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11548486\charrsid8208692 \hich\af0\dbch\af37\loch\f0 His reasoning was that the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8799289\charrsid8208692 \hich\af0\dbch\af37\loch\f0 aforesaid }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11548486\charrsid8208692 \hich\af0\dbch\af37\loch\f0 exclusion}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5596567 
\hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11548486\charrsid8208692 \hich\af0\dbch\af37\loch\f0 clause }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12402561\charrsid8208692 \hich\af0\dbch\af37\loch\f0 22(b) }
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11236873\charrsid8208692 \hich\af0\dbch\af37\loch\f0 which}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11548486\charrsid8208692 \hich\af0\dbch\af37\loch\f0  excluded the liability }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16009292\charrsid8208692 \hich\af0\dbch\af37\loch\f0 of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8935214\charrsid8208692 \hich\af0\dbch\af37\loch\f0 claims made }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid12402561\charrsid8208692 \hich\af0\dbch\af37\loch\f0 on behalf of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8935214\charrsid8208692 \hich\af0\dbch\af37\loch\f0  t\hich\af0\dbch\af37\loch\f0 he }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid16009292\charrsid8208692 \hich\af0\dbch\af37\loch\f0 employees of the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid16009292\charrsid8208692 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid16009292\charrsid8208692 \hich\af0\dbch\af37\loch\f0  petitioner is contrary to Section 6}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3421390\charrsid8208692 \hich\af0\dbch\af37\loch\f0 (1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid12931302\charrsid8208692 \hich\af0\dbch\af37\loch\f0 ) (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3421390\charrsid8208692 \hich\af0\dbch\af37\loch\f0 a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid12931302\charrsid8208692 \hich\af0\dbch\af37\loch\f0 ) (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3421390\charrsid8208692 \hich\af0\dbch\af37\loch\f0 ii) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid16009292\charrsid8208692 \hich\af0\dbch\af37\loch\f0 of the Motor Vehicles (Third Party Insurance) Act}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid333231\charrsid8208692 \hich\af0\dbch\af37\loch\f0  and therefore}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5596567 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16009292\charrsid8208692 \hich\af0\dbch\af37\loch\f0 such }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3421390\charrsid8208692 \hich\af0\dbch\af37\loch\f0 an}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16009292\charrsid8208692 \hich\af0\dbch\af37\loch\f0  exclusionary clause cannot }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid16410692\charrsid8208692 \hich\af0\dbch\af37\loch\f0 be }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7945066\charrsid8208692 \hich\af0\dbch\af37\loch\f0 contain}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid16410692\charrsid8208692 \hich\af0\dbch\af37\loch\f0 ed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16009292\charrsid8208692 \hich\af0\dbch\af37\loch\f0  in }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid12402561\charrsid8208692 \hich\af0\dbch\af37\loch\f0 a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5596567 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8935214\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 third-party}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5596567 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16009292\charrsid8208692 \hich\af0\dbch\af37\loch\f0 insurance policy. }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8935214\charrsid8208692 \hich\af0\dbch\af37\loch\f0 In }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9372201\charrsid8208692 \hich\af0\dbch\af37\loch\f0 his}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8935214\charrsid8208692 \hich\af0\dbch\af37\loch\f0  judgement, learned High Court \hich\af0\dbch\af37\loch\f0 Judge mentioned this position in the following manner}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7945066\charrsid8208692 \hich\af0\dbch\af37\loch\f0 : }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5597941\charrsid8208692 
\par }\pard \ltrpar\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8148088 
\par }\pard \ltrpar\qj \li1440\ri720\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin720\lin1440\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8148088 \loch\af0\dbch\af37\hich\f0 \'93}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid7945066\charrsid8208692 \hich\af0\dbch\af37\loch\f0 More importantly, in my view, the exclusion in section 2, 22(b) of the policy is contrary to the requirement in proviso (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid16410692\charrsid8208692 \hich\af0\dbch\af37\loch\f0 a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid7945066\charrsid8208692 \hich\af0\dbch\af37\loch\f0 ) (ii) of Section 6(1) of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid3421390\charrsid8208692 \hich\af0\dbch\af37\loch\f0  the Motor }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid7945066\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Vehicles}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid3421390\charrsid8208692 \hich\af0\dbch\af37\loch\f0  Act, which mandates compulsory \hich\af0\dbch\af37\loch\f0 \hich\f0 insurance \'93\loch\f0 where persons are carried by reason of or in pursuance of a contrac}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid7945066\charrsid8208692 \hich\af0\dbch\af37\loch\f0 \hich\f0 t of employment\'94\loch\f0 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid7945066 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8148088 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid4790188\charrsid8208692 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 29}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8148088 .\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8148088\charrsid8208692 \hich\af0\dbch\af37\loch\f0 However, as}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4219833\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
 mentioned before, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1255366\charrsid8208692 \hich\af0\dbch\af37\loch\f0 t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid597834\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
he Court of Appeal reversed the decision of the High Court and held that the Insurer namely the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2952454 \hich\af0\dbch\af37\loch\f0 D}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid597834\charrsid8208692 \hich\af0\dbch\af37\loch\f0 ominion Insurance Limited \hich\af0\dbch\af37\loch\f0 (1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid597834\charrsid8208692 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid597834\charrsid8208692 \hich\af0\dbch\af37\loch\f0  respondent) is not liable to indemnify damages awarded to the 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid597834\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 nd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid597834\charrsid8208692 \hich\af0\dbch\af37\loch\f0  respondent in view of the exemption found in }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1255366\charrsid8208692 \hich\af0\dbch\af37\loch\f0 the aforesaid }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid597834\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Section 2, clause 22(b) in the Insurance Policy which is }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8663124\charrsid8208692 \hich\af0\dbch\af37\loch\f0 put }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid597834\charrsid8208692 \hich\af0\dbch\af37\loch\f0 in }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8663124\charrsid8208692 \hich\af0\dbch\af37\loch\f0 suit}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid597834\charrsid8208692 \hich\af0\dbch\af37\loch\f0 .  
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid6160389 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid4790188 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8853711\charrsid8208692 \hich\af0\dbch\af37\loch\f0 The grounds of appeal}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8853711 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8148088\charrsid8208692 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 30}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8148088 \hich\af0\dbch\af37\loch\f0 . \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13070674\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Petitioners in their peti\hich\af0\dbch\af37\loch\f0 tion of appeal have put }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7762445\charrsid8208692 \hich\af0\dbch\af37\loch\f0 forward}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5596567 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7762445\charrsid8208692 \hich\af0\dbch\af37\loch\f0 7 grounds to support the appeal but, in their submissions, they have dropped the last two grounds and pursued only the first five grounds. Those five grounds of appeal are as follows:}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13070674 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12980375\charrsid8208692 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10315653\charrsid8208692 \hich\af0\dbch\af37\loch\f0 (1)\tab}}\pard\plain \ltrpar
\s15\qj \fi-360\li1170\ri720\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin720\lin1170\itap0\pararsid4790188\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10315653\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Learned Judges of appeal erred in law b
\hich\af0\dbch\af37\loch\f0 y failing to hold that on the proper construction of the polic}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16542163\charrsid8208692 \hich\af0\dbch\af37\loch\f0 y}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10315653\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
, the policy covered liability of the owner Tebara Transport Limited for injuries the second respondent suffered which arose out of the use of the motor vehicle by another authorized employee w\hich\af0\dbch\af37\loch\f0 ho was the driver Motoiula}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8148088 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10315653\charrsid8208692 \hich\af0\dbch\af37\loch\f0 \hich\f0 Nemani as \'93\loch\f0 \hich\f0 
the policy had been extended to indemnify any employee of the insured, as if he or she were the insured, against any liability arising in connection with the use of the insured vehicle in charge of that employee\'94\loch\f0  and t
\hich\af0\dbch\af37\loch\f0 herefore the petitioners were entitled to indemnity under the Additional Provisions and benefits applicable to Section 2 \hich\f0 \endash \loch\f0  Legal liability provision of the policy.
\par }\pard \ltrpar\s15\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10315653\charrsid8208692 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10315653\charrsid8148088 \hich\af0\dbch\af37\loch\f0 (2)\tab}}\pard \ltrpar
\s15\qj \fi-360\li1170\ri720\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin720\lin1170\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10315653\charrsid8148088 \hich\af0\dbch\af37\loch\f0 
The learned Judges of Appeal erred and / or misdirected themselves in law in holding}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8148088 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10315653\charrsid8148088 
\hich\af0\dbch\af37\loch\f0 that p\hich\af0\dbch\af37\loch\f0 roviso (a) (ii) of section 6(1) of the Motor Vehicles (Third Party Insurance) Act had no application when their Lordships said:
\par }\pard \ltrpar\s15\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10315653\charrsid8208692 
\par }\pard \ltrpar\s15\qj \li1440\ri1260\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin1260\lin1440\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid10315653\charrsid8208692 \loch\af0\dbch\af37\hich\f0 
\'93\loch\f0 [32] The Learned Judge also erred by stating that Section 2, clause 22 (b) of the policy was contrary to proviso (a) (ii) of s\hich\af0\dbch\af37\loch\f0 \hich\f0 
ection 6(1) of the Motor Vehicles [Third Party Insurance] Act which mandates compulsory insurance \'93\loch\f0 \hich\f0 where persons are carried by reason of or in pursuance of a contract of employment\'94\loch\f0 
 The transport that the plaintiff got was not by reason of or in pursuanc\hich\af0\dbch\af37\loch\f0 e\hich\af0\dbch\af37\loch\f0 \hich\f0 
 of a contract of employment.  It was only an ex-gratia facility.  Therefore proviso (a) (ii) of section 6(1) has no application.\'94
\par }\pard \ltrpar\s15\qj \li720\ri1260\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin1260\lin720\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10315653\charrsid8208692 
\par }\pard \ltrpar\s15\qj \li1170\ri720\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin720\lin1170\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10315653\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
When the exclusion in Section 2, 22(b) of the policy i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8663124\charrsid8208692 \hich\af0\dbch\af37\loch\f0 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10315653\charrsid8208692 
\hich\af0\dbch\af37\loch\f0  contrary to the requirement in proviso (a) (ii) of Section 6(1) of t\hich\af0\dbch\af37\loch\f0 
he Motor vehicles (Third Party Insurance) Act which mandates compulsory insurance where persons are carried by reason of or in pursuance of a contract of employment}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12910955\charrsid8208692 .}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10315653 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10636206 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid8208692 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10315653\charrsid8208692 \hich\af0\dbch\af37\loch\f0 (3)\tab}}\pard \ltrpar
\s15\qj \fi-360\li720\ri720\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin720\lin720\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10315653\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
The learned Judge of Appeal erred in law by misinterpreting the policy and in holding tha\hich\af0\dbch\af37\loch\f0 t being an employee of Tebara Transport Limited, the second respondent was excluded by Section 2, clause 22(b) of the policy;
\par }\pard \ltrpar\s15\qj \li720\ri720\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin720\lin720\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10315653 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10315653\charrsid8208692 \hich\af0\dbch\af37\loch\f0 (4)\tab}}\pard \ltrpar
\s15\qj \fi-360\li720\ri720\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin720\lin720\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10315653\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
The learned Judges of appeal erred in law in not holding that the insurance policy was a comprehensive motor vehicle policy incre\hich\af0\dbch\af37\loch\f0 
asing passenger risk liability for passengers who are not fare paying passengers from $4,000.00 imposed under Section 6 of the Motor Vehicles (Third Party Insurance) Act to $250,000.00 and that the policy covered Tebara Transport Limited against liability
\hich\af0\dbch\af37\loch\f0  \hich\af0\dbch\af37\loch\f0 up to a sum of $250,000.00 in the present situation}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid597834\charrsid8208692 
\par }\pard \ltrpar\s15\qj \li720\ri720\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin720\lin720\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12910955 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12910955\charrsid8208692 \hich\af0\dbch\af37\loch\f0 (5)\tab}}\pard \ltrpar
\s15\qj \fi-360\li720\ri720\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin720\lin720\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12910955\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
The learned Judges of Appeal erred in law by proceeding to determine the effect of the exclusion clause under Section 22(C) of the policy when their Lordships said:
\par }\pard \ltrpar\s15\qj \li720\ri720\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin720\lin720\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12910955\charrsid8208692 
\par }\pard \ltrpar\s15\qj \li1440\ri1260\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin1260\lin1440\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12910955\charrsid8208692 \loch\af0\dbch\af37\hich\f0 
\'93\loch\f0 [27] }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid3801266\charrsid8208692 \hich\af0\dbch\af37\loch\f0 The area of cover given by sect\hich\af0\dbch\af37\loch\f0 
ion 2 has been narrowed down by clause 22.  However the exclusion under Section 22}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid5596567 \hich\af0\dbch\af37\loch\f0  (c) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid3801266\charrsid8208692 \hich\af0\dbch\af37\loch\f0 \hich\f0 above has been removed.  This is under a separate heading which states \'93\loch\f0 ADDITIONAL PROVISIONS AND BENEFITS APPLICABLE TO SECTION 2 \hich\f0 \endash \loch\f0 
\hich\f0  LEGAL LIABILITY.\'94\loch\f0   Only a single ite\hich\af0\dbch\af37\loch\f0 \hich\f0 m appears under this heading which states, \'93\loch\f0 
Employees Indemnity: This policy is extended to indemnify any employee of the insured, as if he or she were the insured, against liability arising in connection with the use of any insured vehicle in charge of t\hich\af0\dbch\af37\loch\f0 h
\hich\af0\dbch\af37\loch\f0 \hich\f0 at employee.\'94\loch\f0  The exclusion of any driver mentioned under the clause 22 (c) has been removed for driver}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid5596567 \hich\af0\dbch\af37\loch\f0 s}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid3801266\charrsid8208692 \hich\af0\dbch\af37\loch\f0  who are employees.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3801266\charrsid8208692 
\par }\pard\plain \ltrpar\qj \li1440\ri1260\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin1260\lin1440\itap0\pararsid4790188 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid10710035\charrsid8208692 \hich\af0\dbch\af37\loch\f0 [28] }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8148088\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Section}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid10710035\charrsid8208692 \hich\af0\dbch\af37\loch\f0  22(b) therefore applies other than }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid3801266\charrsid8208692 \hich\af0\dbch\af37\loch\f0 drivers.  The policy gives cover to passengers and those who travel without a paymen\hich\af0\dbch\af37\loch\f0 \hich\f0 
t.  The question is whether an employee can be considered under the category of \'93\loch\f0 \hich\f0 not fare paying passengers\'94\loch\f0 
.  I am of the view that there is no ambiguity with regard to the employees mentioned under clause 22 (b) of the policy.  The insurer has removed t\hich\af0\dbch\af37\loch\f0 h\hich\af0\dbch\af37\loch\f0 \hich\f0 
e drivers employed by the insured from the exclusion.  In the same way the insurer could have removed other employees too from the exclusion.  This was not done.\'94
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid597834 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid8208692 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 31}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8148088 \hich\af0\dbch\af37\loch\f0 . \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13308302\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Appeal grounds 1,3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8148088 
\hich\af0\dbch\af37\loch\f0  and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13308302\charrsid8208692 \hich\af0\dbch\af37\loch\f0 5 are directed towards the interpretation of the exclusionary cl\hich\af0\dbch\af37\loch\f0 ause }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6428911\charrsid8208692 \hich\af0\dbch\af37\loch\f0 No.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13308302\charrsid8208692 \hich\af0\dbch\af37\loch\f0 22 in the insurance policy }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid3557284\charrsid8208692 \hich\af0\dbch\af37\loch\f0 in question }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13308302\charrsid8208692 \hich\af0\dbch\af37\loch\f0 and grounds 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid5596567 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13308302\charrsid8208692 \hich\af0\dbch\af37\loch\f0 &}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5596567 \hich\af0\dbch\af37\loch\f0  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13308302\charrsid8208692 \hich\af0\dbch\af37\loch\f0 4 are }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3557284\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
on the question of applicability of statutory provisions which prevail in Fiji when interpreting the terms & conditions of the insurance policy.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2447875 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8148088 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid8208692 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 32}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8148088 \hich\af0\dbch\af37\loch\f0 . \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid16059843\charrsid8208692 \hich\af0\dbch\af37\loch\f0 As mentioned above, clause 22 in Sec\hich\af0\dbch\af37\loch\f0 tion 2 of the insurance policy excludes the liability of the insurer if the extended liability is to cover the losses }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10710035\charrsid8208692 \hich\af0\dbch\af37\loch\f0 c}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5596567 \hich\af0\dbch\af37\loch\f0 a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10710035\charrsid8208692 \hich\af0\dbch\af37\loch\f0 use}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16059843\charrsid8208692 \hich\af0\dbch\af37\loch\f0 d to the employees of the insured. Then the important question}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5533575\charrsid8208692 \hich\af0\dbch\af37\loch\f0  that arises }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16059843\charrsid8208692 \hich\af0\dbch\af37\loch\f0 is to ascertain whether the 2}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid16059843\charrsid8208692 \hich\af0\dbch\af37\loch\f0 nd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16059843\charrsid8208692 \hich\af0\dbch\af37\loch\f0  petitioner Motoiula}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid5596567 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16059843\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Nemani}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8148088 
\hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12267803\charrsid8208692 \hich\af0\dbch\af37\loch\f0 falls within the category of an employee of the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\super\insrsid12267803\charrsid8208692 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12267803\charrsid8208692 \hich\af0\dbch\af37\loch\f0  petitioner company at all }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid6428911\charrsid8208692 \hich\af0\dbch\af37\loch\f0 material}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12267803\charrsid8208692 \hich\af0\dbch\af37\loch\f0  times}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid16059843\charrsid8208692 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8853711\charrsid8208692 \hich\af0\dbch\af37\loch\f0  If so, the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid8853711\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8853711\charrsid8208692 \hich\af0\dbch\af37\loch\f0  respondent insurance company will not be liable to indemnify the petitioner company for its liability towards the 2}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid8853711\charrsid8208692 \hich\af0\dbch\af37\loch\f0 nd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8853711\charrsid8208692 \hich\af0\dbch\af37\loch\f0  respondent Ravindra Kishore.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5596567 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7214568\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
On the other hand, if the circumstances show that the particular }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3162454\charrsid8208692 \hich\af0\dbch\af37\loch\f0 journey towards the work-place }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid5579259\charrsid8208692 \hich\af0\dbch\af37\loch\f0 does not fall}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7214568\charrsid8208692 \hich\af0\dbch\af37\loch\f0  within }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3162454\charrsid8208692 \hich\af0\dbch\af37\loch\f0 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10710035\charrsid8208692 \hich\af0\dbch\af37\loch\f0 course}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid5579259\charrsid8208692 \hich\af0\dbch\af37\loch\f0  of duties }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3162454\charrsid8208692 \hich\af0\dbch\af37\loch\f0 of the plaintiff }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid5579259\charrsid8208692 \hich\af0\dbch\af37\loch\f0 then the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid5579259\charrsid8208692 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid5579259\charrsid8208692 \hich\af0\dbch\af37\loch\f0  respondent insurance company is liable to indemnify the petitioners in view of the exte\hich\af0\dbch\af37\loch\f0 nded liability }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3162454\charrsid8208692 \hich\af0\dbch\af37\loch\f0 referred to in Section 2 of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5579259\charrsid8208692 \hich\af0\dbch\af37\loch\f0  the policy.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid16059843\charrsid8208692 
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3801266 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid8208692 
\par }\pard \ltrpar\qj \fi720\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid4209446\charrsid8208692 \hich\af0\dbch\af37\loch\f0 A}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid7669033\charrsid8208692 \hich\af0\dbch\af37\loch\f0 uthorities}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8853711 
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8148088\charrsid8208692 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 33}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8148088 \hich\af0\dbch\af37\loch\f0 . \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4209446\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Somewhat similar circumstances had been considered in }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\ul\insrsid4209446\charrsid12931302 \hich\af0\dbch\af37\loch\f0 Vandyke }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid12931302\charrsid12931302 \hich\af0\dbch\af37\loch\f0 v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\ul\insrsid4209446\charrsid12931302 \hich\af0\dbch\af37\loch\f0  Fender and another (Sun Insurance Office Ltd. (Third Party)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4209446\charrsid8208692 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1653678\charrsid8208692 \hich\af0\dbch\af37\loch\f0 in the Court of appeal in England }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4209446\charrsid8208692 \hich\af0\dbch\af37\loch\f0 [1970] 2 W L R 929 at pa
\hich\af0\dbch\af37\loch\f0 ge 936. In that decision Lord Denning}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1653678\charrsid8208692 \hich\af0\dbch\af37\loch\f0  has stated:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4209446\charrsid8208692 
\par }\pard \ltrpar\qj \li0\ri720\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin720\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1653678\charrsid8208692 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8148088 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid1653678\charrsid8208692 \loch\af0\dbch\af37\hich\f0 \'93\loch\f0 \hich\f0 5. \'93\loch\f0 \hich\f0 Arising out of and in the Course of his Employment\'94\loch\f0 
                                                     
\par }\pard \ltrpar\qj \li2160\ri720\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin720\lin2160\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid1653678\charrsid8208692 \hich\af0\dbch\af37\loch\f0 The words }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid14168782\charrsid8208692 \hich\af0\dbch\af37\loch\f0 \hich\f0 of injury \'93\loch\f0 \hich\f0 arising out of and in the course of his employment\'94\loch\f0  were used in the old 
\hich\af0\dbch\af37\loch\f0 Workmen\hich\f0 \rquote \loch\f0 s Compensation Acts from 1987 to 1945.  The same words have been used in the Road Traffic Acts, 1930 and 1960.  They have also been used in employers\hich\f0 \rquote \loch\f0 
 liability policies.  In my opinion they should receive the same interpretation in all three plac\hich\af0\dbch\af37\loch\f0 e\hich\af0\dbch\af37\loch\f0 
s: for they are all closely connected that they ought, as a matter of common sense, to receive the same interpretation in each.  The words were construed and applied in thousands of cases under the Workmen\hich\f0 \rquote \loch\f0 
s Compensation Acts:  and I think we should follo\hich\af0\dbch\af37\loch\f0 w\hich\af0\dbch\af37\loch\f0 
 these cases.  The two leading cases, most apposite for present purposes, are St. Helens Colliery Co. Ltd v. Hewitson [1924] A.C. 59; and Weaver v. Tredegar Iron and Coal Co. Ltd [1940] A.C. 955. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid14168782\charrsid8148088 \hich\af0\dbch\af37\loch\f0 They show, to my mind quite conclusively, that when a man i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid5596567 \hich\af0\dbch\af37\loch\f0 s}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid14168782\charrsid8148088 \hich\af0\dbch\af37\loch\f0  going to or coming from work, along a public road, as a passenger in a vehicle provided by his employer, he is not then in the course of his employment \hich\f0 \endash 
\loch\f0  unless he is obliged by the terms of his employment to travel in that vehicle.  It is not enough tha\hich\af0\dbch\af37\loch\f0 t\hich\af0\dbch\af37\loch\f0  he should have the right to travel in the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8663124\charrsid8148088 \hich\af0\dbch\af37\loch\f0 vehicle or}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid14168782\charrsid8148088 \hich\af0\dbch\af37\loch\f0 
 be permitted to travel in it. He must have an obligation to travel in it.  Else he is not in the course of his employment}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid5596567 \hich\af0\dbch\af37\loch\f0  th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid14168782\charrsid8148088 \hich\af0\dbch\af37\loch\f0 at distinction must be maintained:  for otherwise there would be no certainty \hich\af0\dbch\af37\loch\f0 on this branch of the law}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid12931302\charrsid8148088 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12931302\charrsid8208692 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8148088 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5596567 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid8208692 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 34}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8148088 \hich\af0\dbch\af37\loch\f0 . \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13964292\charrsid8208692 \hich\af0\dbch\af37\loch\f0 In the case of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\ul\insrsid13964292\charrsid8148088 \hich\af0\dbch\af37\loch\f0 Baker }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8148088 \hich\af0\dbch\af37\loch\f0 v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\ul\insrsid13964292\charrsid8148088 \hich\af0\dbch\af37\loch\f0  Provident Accident and White cross insurance Co. Ltd.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13964292\charrsid8208692 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5596567 
\par }\pard \ltrpar\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13964292\charrsid8208692 \hich\af0\dbch\af37\loch\f0 1939 K B D }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid282369\charrsid8208692 \hich\af0\dbch\af37\loch\f0 690 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10242399\charrsid8208692 \hich\af0\dbch\af37\loch\f0 it was held thus:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13964292 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8148088\charrsid8208692 
\par }\pard \ltrpar\qj \li1440\ri720\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin720\lin1440\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid10242399\charrsid8208692 \loch\af0\dbch\af37\hich\f0 \'93\loch\f0 
At the time of the accident}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid1366\charrsid8208692 \hich\af0\dbch\af37\loch\f0 , the plaintiff was not riding in the laundry van with the permission or by the au\hich\af0\dbch\af37\loch\f0 
thority of her employers, and, unless she had permission to ride in the van at the place of the accident, she could not be held to be a passenger by reason of or in pursuance of her employment.  Further, the driver of the van at the time of the accident w
\hich\af0\dbch\af37\loch\f0 a\hich\af0\dbch\af37\loch\f0 s not driving the plaintiff with the permission of her employers.  Therefore, the driver, Cordery, did not come within the c}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid5596567 
\hich\af0\dbch\af37\loch\f0 our}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid1366\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
se of the policy under which the defendants agreed to treat a driver who was driving with permission of the insured as if he were\hich\af0\dbch\af37\loch\f0  the insured.  Further, it was part of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid10710035\charrsid8208692 \hich\af0\dbch\af37\loch\f0 course}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid1366\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
 of action of the plaintiff, and not merely a condition precedent, that the defendants should have notice of the accident, pursuant to the Road Traffic Act, 1934, s.10(2).  The plaintiff has failed to prove \hich\af0\dbch\af37\loch\f0 
that the defendants had such notice.  This notice was the gist of an action on a bill of exchange, when notice of dishonor is of the essence of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid10710035\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 course}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid1366\charrsid8208692 \hich\af0\dbch\af37\loch\f0  of action}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8148088 \loch\af0\dbch\af37\hich\f0 \'94}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid1366\charrsid8208692 \hich\af0\dbch\af37\loch\f0 . 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10242399 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid8208692 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 35}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8148088 .\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7700318\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Similar circumstances had been discussed in }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\ul\insrsid7700318\charrsid8148088 \hich\af0\dbch\af37\loch\f0 Izzard }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8148088\charrsid8148088 \hich\af0\dbch\af37\loch\f0 v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\ul\insrsid7700318\charrsid8148088 \hich\af0\dbch\af37\loch\f0  Universal Insurance Co. Ltd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7700318\charrsid8208692 \hich\af0\dbch\af37\loch\f0 . [\hich\af0\dbch\af37\loch\f0 
1937] 3 All E R 79. In that decision Lord Wright said:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7700318 
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8148088\charrsid8208692 
\par }\pard \ltrpar\qj \li1080\ri720\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin720\lin1080\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid7700318\charrsid8208692 \loch\af0\dbch\af37\hich\f0 \'93\loch\f0 
I cannot accept }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid15761396\charrsid8208692 \hich\af0\dbch\af37\loch\f0 the respondent company\hich\f0 \rquote \loch\f0 \hich\f0 s contention that \'93\loch\f0 \hich\f0 contract of employment\'94
\loch\f0 \hich\f0  should be construed in the Act as subject to the implied limitation \'93\loch\f0 \hich\f0 with the person insured by the policy\'94\loch\f0 .  Such a \hich\af0\dbch\af37\loch\f0 
departure from the clear language used cannot, I think, be justified.  I think the Act is dealing with persons who are on the insured vehicle for sufficient practical or business }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid10710035\charrsid8208692 \hich\af0\dbch\af37\loch\f0 reasons and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid15761396\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
 has taken a contract of employment in pursuance of which they are\hich\af0\dbch\af37\loch\f0 
 on the vehicle as an adequate criterion of such reasons.  But there is no sufficient ground for holding that this criterion should be limited to employees of the insured person.  Such employees, if injured or killed, would ordinarily fall under exception
\hich\af0\dbch\af37\loch\f0  \hich\af0\dbch\af37\loch\f0 
(i), though I am not prepared to say that there might not be, in certain events, an employee of the assured who could claim as a passenger.  But such cases must be rare.  The most probable case is where the man killed or injured was on the vehicle in purs
\hich\af0\dbch\af37\loch\f0 u\hich\af0\dbch\af37\loch\f0 
ance of a contract, not with the owner of the vehicle, but with someone else, for instance, with the person whose goods were being carried on the vehicle:  thus, a commercial vehicle, carrying a contractor\hich\f0 \rquote \loch\f0 s or merchant\hich\f0 
\rquote \loch\f0 s goods, would frequently, and, per\hich\af0\dbch\af37\loch\f0 h\hich\af0\dbch\af37\loch\f0 aps, even normally, have on its an employee of the goods\hich\f0 \rquote \loch\f0 
 owner, to see to loading or unloading or delivering the goods, or caring for them in transit.  For these purposes, such a man may be carried as a passenger.  The insure}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid10710035\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid15761396\charrsid8208692 \hich\af0\dbch\af37\loch\f0  person may come under third \hich\af0\dbch\af37\loch\f0 \hich\f0 
party liability to such a man, who may be described as being in the position of an invitee in the legal sense, vis-\'e0\loch\f0 -vis the insure}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid6173176\charrsid8208692 \hich\af0\dbch\af37\loch\f0 d}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid15761396\charrsid8208692 \hich\af0\dbch\af37\loch\f0  person.  A further illustration, which comes under the same category, is that of an employee or employees of the owner of t
\hich\af0\dbch\af37\loch\f0 
he goods which are being carried, who go out on the lorry with the goods and return home in the lorry after the goods are delivered.  Such employees may properly be regarded as passengers carried in pursuance of a contract with someone other than the insu
\hich\af0\dbch\af37\loch\f0 r\hich\af0\dbch\af37\loch\f0 ed person.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid3083874\charrsid8208692 \loch\af0\dbch\af37\hich\f0 \'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid15761396\charrsid8208692 
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15753247 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid8208692 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 36}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8148088 .\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15753247\charrsid8208692 \hich\af0\dbch\af37\loch\f0 In }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid15753247\charrsid8148088 \hich\af0\dbch\af37\loch\f0 
Richards }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8148088\charrsid8148088 \hich\af0\dbch\af37\loch\f0 v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid15753247\charrsid8148088 \hich\af0\dbch\af37\loch\f0  Cox }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid10636206 \hich\af0\dbch\af37\loch\f0  (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15753247\charrsid10636206 \hich\af0\dbch\af37\loch\f0 1942}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10636206 
\hich\af0\dbch\af37\loch\f0 ) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15753247\charrsid8208692 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10636206 \hich\af0\dbch\af37\loch\f0 2 All ER }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15753247\charrsid8208692 \hich\af0\dbch\af37\loch\f0 624, it was held that}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16736894\charrsid8208692 \hich\af0\dbch\af37\loch\f0  t}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid15753247\charrsid8208692 \hich\af0\dbch\af37\loch\f0 he policy }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16319892\charrsid8208692 \hich\af0\dbch\af37\loch\f0 in issue }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid15753247\charrsid8208692 \hich\af0\dbch\af37\loch\f0 excludes the case of injury to an employee of the insured, but it }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10566440\charrsid8208692 \hich\af0\dbch\af37\loch\f0 wa}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15753247\charrsid8208692 \hich\af0\dbch\af37\loch\f0 s }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10566440\charrsid8208692 \hich\af0\dbch\af37\loch\f0 further }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid15753247\charrsid8208692 \hich\af0\dbch\af37\loch\f0 held that, when the authorized driver is substituted for the insured, then the exce\hich\af0\dbch\af37\loch\f0 
ption applies only to an employee of the authorized driver and does not apply to an employee of the person taking out the insurance.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\ul\insrsid15753247\charrsid8208692 
\par }\pard \ltrpar\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5964447\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
Authorities referred to above, show the manner in which exemption clause}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7945872\charrsid8208692 \hich\af0\dbch\af37\loch\f0 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5964447\charrsid8208692 
\hich\af0\dbch\af37\loch\f0  in }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14174806\charrsid8208692 \hich\af0\dbch\af37\loch\f0 third-party insurance policies}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5964447\charrsid8208692 
\hich\af0\dbch\af37\loch\f0  are applicabl\hich\af0\dbch\af37\loch\f0 e when a claim for extended liability is made by an employee. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6173176 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid8208692 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 37}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid12000577 \hich\af0\dbch\af37\loch\f0 . \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9009846\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Learned Counsel for the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\super\insrsid9009846\charrsid8208692 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9009846\charrsid8208692 \hich\af0\dbch\af37\loch\f0  respondent heavily relied on the decision in }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\f0\fs24\ul\insrsid9009846\charrsid8148088 \hich\af0\dbch\af37\loch\f0 Sun Insurance Company Limited v }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid13139966\charrsid8148088 \hich\af0\dbch\af37\loch\f0 M}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\f0\fs24\ul\insrsid9009846\charrsid8148088 \hich\af0\dbch\af37\loch\f0 ukesh Chandra}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9009846\charrsid8208692 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13139966\charrsid8208692 \hich\af0\dbch\af37\loch\f0 [Fiji S.C. No.CBV0007 of 2011]. In that decision Anthony Gates C.J.\hich\af0\dbch\af37\loch\f0 
 has extensively dealt with the issues relating to the provisions for compulsory insurance against third party risks arising out of the use of motor vehicles and on the exemptions found in an insurance policy.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid5733286\charrsid8208692 \hich\af0\dbch\af37\loch\f0  However, the issue in that case was to decide \hich\af0\dbch\af37\loch\f0 
on the third-party liability when the driver was convicted for driving the vehicle without a valid driving license. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8262947\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Hence, t}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid5733286\charrsid8208692 \hich\af0\dbch\af37\loch\f0 he facts in that case are totally different to the facts of th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6173176\charrsid8208692 \hich\af0\dbch\af37\loch\f0 e}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5733286\charrsid8208692 \hich\af0\dbch\af37\loch\f0  case}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6173176\charrsid8208692 \hich\af0\dbch\af37\loch\f0  at hand}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid2165822\charrsid8208692 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9009846\charrsid8208692 
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2165822 
\par }\pard \ltrpar\qj \fi720\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid2165822\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Analysis}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid2165822 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 38}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid12000577 .\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2165822\charrsid8208692 \hich\af0\dbch\af37\loch\f0 As mentioned hereinbefore, the only iss\hich\af0\dbch\af37\loch\f0 ue here is to ascertain whether }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15296123\charrsid8208692 \hich\af0\dbch\af37\loch\f0 or not }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2165822\charrsid8208692 \hich\af0\dbch\af37\loch\f0 the plaintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10572305\charrsid8208692 \hich\af0\dbch\af37\loch\f0  was acting within his }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10710035\charrsid8208692 \hich\af0\dbch\af37\loch\f0 course}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10572305\charrsid8208692 \hich\af0\dbch\af37\loch\f0  of employment when he was travelling in the bus that met with the accident injuring him. Court of Appeal in paragraphs 29 and 30 of its judgment has stated:
\par }\pard \ltrpar\qj \li1440\ri720\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin720\lin1440\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid10572305\charrsid8208692 \loch\af0\dbch\af37\hich\f0 \'93\loch\f0 
However, just }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid12931302\charrsid8208692 \hich\af0\dbch\af37\loch\f0 be\hich\af0\dbch\af37\loch\f0 cause}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid10572305\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 \hich\f0 
 a worker is away from work, he does not cease to be an employee. As long as the worker is in the pay sheet, he is an employee. Being an employee, he comes under clause 22(b) of the policy and excludes the insurer from extended liability.\'94\loch\f0  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid2165822 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid12000577 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid4790188\charrsid8208692 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 39}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid12000577 .\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7013574\charrsid8208692 \hich\af0\dbch\af37\loch\f0 With \hich\af0\dbch\af37\loch\f0 respect, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6704492\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 I am not inclined to accept such a }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7092264\charrsid8208692 \hich\af0\dbch\af37\loch\f0 phenomenon}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6704492\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 . Merely }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577\charrsid8208692 \hich\af0\dbch\af37\loch\f0 because}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6704492\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
 one person}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7762664\charrsid8208692 \loch\af0\dbch\af37\hich\f0 \rquote }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6704492\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
s name is in the pay sheet of an employee, such person cannot be considered as }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7762664\charrsid8208692 \hich\af0\dbch\af37\loch\f0 working within the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10710035\charrsid8208692 \hich\af0\dbch\af37\loch\f0 course}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7762664\charrsid8208692 \hich\af0\dbch\af37\loch\f0  of his employment for each and every act the employee }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7422211\charrsid8208692 \hich\af0\dbch\af37\loch\f0 does. To}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13584003\charrsid8208692 \hich\af0\dbch\af37\loch\f0  ascert\hich\af0\dbch\af37\loch\f0 ain }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4611355\charrsid8208692 \hich\af0\dbch\af37\loch\f0 whether a particular act comes within the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10710035\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
course}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4611355\charrsid8208692 \hich\af0\dbch\af37\loch\f0  of employment of an employee, all the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16337192\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 facts and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4611355\charrsid8208692 \hich\af0\dbch\af37\loch\f0 circumstances relating }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11546037\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4611355\charrsid8208692 \hich\af0\dbch\af37\loch\f0 that act has to be looked at carefully. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7092264\charrsid8208692 

\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 40}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid12000577 .\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4611355\charrsid8208692 \hich\af0\dbch\af37\loch\f0 In this instance, learned High Court Judge has decided that the plaintiff is not en\hich\af0\dbch\af37\loch\f0 
titled to obtain compensation under the workmen\hich\f0 \rquote \loch\f0 s compensation Policy }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4591526\charrsid8208692 \hich\af0\dbch\af37\loch\f0 since the plaintiff\hich\f0 \rquote \loch\f0 
s travel to his work-place does not come within the terms of employment }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4611355\charrsid8208692 \hich\af0\dbch\af37\loch\f0 and that decision had not being appealed against. }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid6173176\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Therefore}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4591526\charrsid8208692 \hich\af0\dbch\af37\loch\f0 , it is a decision that had been}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid4611355\charrsid8208692 \hich\af0\dbch\af37\loch\f0  ac\hich\af0\dbch\af37\loch\f0 cepted as correct}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4591526\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
 by the parties to the action. Under such circumstances, it is difficult to understand}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12848547\charrsid8208692 \hich\af0\dbch\af37\loch\f0 , why}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4611355\charrsid8208692 \hich\af0\dbch\af37\loch\f0  the Court of Appeal in paragraph 31 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6173176\charrsid8208692 \hich\af0\dbch\af37\loch\f0 of its judgment }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid4611355\charrsid8208692 \hich\af0\dbch\af37\loch\f0 has stated that}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10636206 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid6173176\charrsid8208692 \hich\af0\dbch\af37\loch\f0 plaintiff\hich\f0 \rquote }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4591526\charrsid8208692 \hich\af0\dbch\af37\loch\f0 s travelling }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid6173176\charrsid8208692 \hich\af0\dbch\af37\loch\f0 in the bus}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5596567 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7092264\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 must be considered as }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4591526\charrsid8208692 \hich\af0\dbch\af37\loch\f0 within the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10710035\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 course}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4591526\charrsid8208692 \hich\af0\dbch\af37\loch\f0  of em\hich\af0\dbch\af37\loch\f0 ployment of the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7092264\charrsid8208692 \hich\af0\dbch\af37\loch\f0  employee of the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid7092264\charrsid8208692 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7092264\charrsid8208692 \hich\af0\dbch\af37\loch\f0  petitioner company}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4611355\charrsid8208692 \hich\af0\dbch\af37\loch\f0 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7888860 

\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid8208692 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 41}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577 .\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7888860\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 Admittedly, the plaintiff was on his way to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5844671\charrsid8208692 \hich\af0\dbch\af37\loch\f0 his }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7888860\charrsid8208692 \hich\af0\dbch\af37\loch\f0 work}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5844671\charrsid8208692 \hich\af0\dbch\af37\loch\f0 -place}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7888860\charrsid8208692 \hich\af0\dbch\af37\loch\f0  and not yet reported for work. He is designated as a tyre repairman which position does not require to provide him with transport}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10636206 \hich\af0\dbch\af37\loch\f0 , to a\hich\af0\dbch\af37\loch\f0 nd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7888860\charrsid8208692 \hich\af0\dbch\af37\loch\f0  from his work-place}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid5078529\charrsid8208692 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7888860\charrsid8208692 \hich\af0\dbch\af37\loch\f0  though he is given the opportunity to travel }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10625292\charrsid8208692 \hich\af0\dbch\af37\loch\f0 making use }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11546037\charrsid8208692 \hich\af0\dbch\af37\loch\f0 of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10625292\charrsid8208692 \hich\af0\dbch\af37\loch\f0 the buses owned by his employer namely the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid10625292\charrsid8208692 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid10625292\charrsid8208692 \hich\af0\dbch\af37\loch\f0  petitioner company }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7888860\charrsid8208692 \hich\af0\dbch\af37\loch\f0 without a payment being made.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5596567 \hich\af0\dbch\af37\loch\f0   }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7888860\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
No evidence is forthcoming to establish that all the employees of the petiti\hich\af0\dbch\af37\loch\f0 oner company enjoy such a facility.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16536499\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
 Therefore, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11546037\charrsid8208692 \hich\af0\dbch\af37\loch\f0 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16536499\charrsid8208692 \hich\af0\dbch\af37\loch\f0 facility }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6173176\charrsid8208692 \hich\af0\dbch\af37\loch\f0 extended to the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12657748 \hich\af0\dbch\af37\loch\f0 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\super\insrsid12657748\charrsid12657748 \hich\af0\dbch\af37\loch\f0 nd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12657748 \hich\af0\dbch\af37\loch\f0  respondent }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid6173176\charrsid8208692 \hich\af0\dbch\af37\loch\f0 to travel free }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5078529\charrsid8208692 \hich\af0\dbch\af37\loch\f0 must have}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid16536499\charrsid8208692 \hich\af0\dbch\af37\loch\f0  been a concession given to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6173176\charrsid8208692 \hich\af0\dbch\af37\loch\f0 him}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid16536499\charrsid8208692 \hich\af0\dbch\af37\loch\f0  due to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6173176\charrsid8208692 \hich\af0\dbch\af37\loch\f0 some }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid16536499\charrsid8208692 \hich\af0\dbch\af37\loch\f0 other reasons}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6173176\charrsid8208692 \hich\af0\dbch\af37\loch\f0 ;}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid16536499\charrsid8208692 \hich\af0\dbch\af37\loch\f0  probably the reasons such as his longstanding service and the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5078529\charrsid8208692 \hich\af0\dbch\af37\loch\f0 physical }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16536499\charrsid8208692 \hich\af0\dbch\af37\loch\f0 disability }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3569419\charrsid8208692 \hich\af0\dbch\af37\loch\f0 that }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid16536499\charrsid8208692 \hich\af0\dbch\af37\loch\f0 he has}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2448855\charrsid8208692 \hich\af0\dbch\af37\loch\f0  or may be }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid5141918\charrsid8208692 \hich\af0\dbch\af37\loch\f0 for practical or business reasons}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16536499\charrsid8208692 \hich\af0\dbch\af37\loch\f0 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid6173176 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid8208692 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 42}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577 .\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16536499\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 More importantly, he is not duty bound }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3569419\charrsid8208692 \hich\af0\dbch\af37\loch\f0 too, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16536499\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 to travel in a bus belonging to the employer. Decision of selecting the mode of transport had been with him. In other words, Terms of Employment do n\hich\af0\dbch\af37\loch\f0 ot }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3569419\charrsid8208692 \hich\af0\dbch\af37\loch\f0 facilitate}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16536499\charrsid8208692 \hich\af0\dbch\af37\loch\f0  the plaintiff to travel in a vehicle provided by his employer. }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6031147\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
It is also important to note that the business of the employer company is to deploy buses for the transport of passengers from one place to another and it is not a vehicle that wa\hich\af0\dbch\af37\loch\f0 s provided }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid5078529\charrsid8208692 \hich\af0\dbch\af37\loch\f0 solely for the purpose of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6031147\charrsid8208692 \hich\af0\dbch\af37\loch\f0  transport}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid5078529\charrsid8208692 \hich\af0\dbch\af37\loch\f0 ing}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6031147\charrsid8208692 \hich\af0\dbch\af37\loch\f0  the employees of the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\super\insrsid6031147\charrsid8208692 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6031147\charrsid8208692 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12657748 
\hich\af0\dbch\af37\loch\f0 petitioner}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6031147\charrsid8208692 \hich\af0\dbch\af37\loch\f0  company.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16536499\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 Therefore, it is my opinion that the plaintiff\hich\f0 \rquote \loch\f0 s travel}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9509900\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
ling in the bus which met with the accident does not come within }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6173176\charrsid8208692 \hich\af0\dbch\af37\loch\f0 the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577 
\hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10710035\charrsid8208692 \hich\af0\dbch\af37\loch\f0 course}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9509900\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
 of his employment.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9009846 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid8208692 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 43}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577 .\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8864631\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 Accor\hich\af0\dbch\af37\loch\f0 dingly}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9509900\charrsid8208692 \hich\af0\dbch\af37\loch\f0 , my }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6240258\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 conside}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12067086\charrsid8208692 \hich\af0\dbch\af37\loch\f0 red opinion}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9509900\charrsid8208692 
\hich\af0\dbch\af37\loch\f0  is that merely }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577\charrsid8208692 \hich\af0\dbch\af37\loch\f0 because}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9509900\charrsid8208692 
\hich\af0\dbch\af37\loch\f0  the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12657748 \hich\af0\dbch\af37\loch\f0 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid12657748\charrsid12657748 \hich\af0\dbch\af37\loch\f0 nd}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12657748 \hich\af0\dbch\af37\loch\f0  respondent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9509900\charrsid8208692 \hich\af0\dbch\af37\loch\f0  was not a }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13901368\charrsid8208692 \hich\af0\dbch\af37\loch\f0 fee-paying}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1465250\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 passenger}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3812975\charrsid8208692 \hich\af0\dbch\af37\loch\f0  or }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
because}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3812975\charrsid8208692 \hich\af0\dbch\af37\loch\f0  his name appears in the pay sheet of the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid3812975\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3812975\charrsid8208692 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12657748 \hich\af0\dbch\af37\loch\f0 petitioner }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3812975\charrsid8208692 \hich\af0\dbch\af37\loch\f0 company}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1465250\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
, court should not take away the third party extended liability of the insurer}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3812975\charrsid8208692 \hich\af0\dbch\af37\loch\f0  \hich\af0\dbch\af37\loch\f0 
on the basis that his travelling to work-place falls within his }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10710035\charrsid8208692 \hich\af0\dbch\af37\loch\f0 course}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3812975\charrsid8208692 
\hich\af0\dbch\af37\loch\f0  of empl}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9442681\charrsid8208692 \hich\af0\dbch\af37\loch\f0 o}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3812975\charrsid8208692 \hich\af0\dbch\af37\loch\f0 yment}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1465250\charrsid8208692 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9509900 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid8208692 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 44}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577 .\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1657034\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 In the circumstances, the insurer is liable to indemnify }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10165103 \hich\af0\dbch\af37\loch\f0 the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\super\insrsid10165103\charrsid10165103 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10165103 \hich\af0\dbch\af37\loch\f0  petitioner}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9109693 ,}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10165103 \hich\af0\dbch\af37\loch\f0  for the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4077543\charrsid8208692 \hich\af0\dbch\af37\loch\f0 losses }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10710035\charrsid8208692 \hich\af0\dbch\af37\loch\f0 c}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10636206 \hich\af0\dbch\af37\loch\f0 aus}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10710035\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4077543\charrsid8208692 \hich\af0\dbch\af37\loch\f0 d to the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12221489 \hich\af0\dbch\af37\loch\f0 2}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid12221489\charrsid12221489 \hich\af0\dbch\af37\loch\f0 nd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12221489 \hich\af0\dbch\af37\loch\f0  respondent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid9109693 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4077543\charrsid8208692 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9109693 \hich\af0\dbch\af37\loch\f0 
under section 2 of the insurance policy }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5919868 \hich\af0\dbch\af37\loch\f0 sin\hich\af0\dbch\af37\loch\f0 ce }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9109693 \hich\af0\dbch\af37\loch\f0 
he was not acting within his }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2950143 \hich\af0\dbch\af37\loch\f0 course}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9109693 \hich\af0\dbch\af37\loch\f0  of employment of the 1}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid9109693\charrsid9109693 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9109693 \hich\af0\dbch\af37\loch\f0  petitioner company to become an employee of that company. }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6844298 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12980375\charrsid8208692 
\par }\pard \ltrpar\qj \fi720\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4548455\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Aforesaid }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6819500\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Section 2 of the policy is as follows:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6819500 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10636206\charrsid8208692 
\par }\pard \ltrpar\qj \li1440\ri720\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin720\lin1440\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid6819500\charrsid8208692 \loch\af0\dbch\af37\hich\f0 \'93\loch\f0 The Dom}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid10115977\charrsid8208692 \hich\af0\dbch\af37\loch\f0 i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid6819500\charrsid8208692 \hich\af0\dbch\af37\loch\f0 nion will pay any amount subject }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid10115977\charrsid8208692 \hich\af0\dbch\af37\loch\f0 to the limitation contained below for wh\hich\af0\dbch\af37\loch\f0 
ich you shall become legally liable to pay for accidental physical loss or damage to property of others or personal injury to passengers.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid6844298\charrsid8208692 \loch\af0\dbch\af37\hich\f0 \'94
\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid6844298 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid10636206 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid4790188\charrsid8208692 
\par }\pard \ltrpar\qj \fi-720\li720\ri720\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin720\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 45}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid12000577 .\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid147934 \hich\af0\dbch\af37\loch\f0 Moreover, f}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6844298\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
or the reasons set out above, the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1011459 \hich\af0\dbch\af37\loch\f0 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid1011459\charrsid1011459 \hich\af0\dbch\af37\loch\f0 nd}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1011459 \hich\af0\dbch\af37\loch\f0  respondent }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6844298\charrsid8208692 \hich\af0\dbch\af37\loch\f0 cannot be considered as an employee of the 1}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid6844298\charrsid8208692 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6844298\charrsid8208692 \hich\af0\dbch\af37\loch\f0  peti\hich\af0\dbch\af37\loch\f0 
tioner in order to fall within the exemption referred to in clause 22(b) of that Section 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8330012\charrsid8208692 \hich\af0\dbch\af37\loch\f0  of the insurance policy}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid6844298\charrsid8208692 \hich\af0\dbch\af37\loch\f0 . Accordingly, the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1056495 \hich\af0\dbch\af37\loch\f0        1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\super\insrsid1056495\charrsid1056495 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1056495 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6844298\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 respondent insurer is to indemnify the extended liability of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1011459 \hich\af0\dbch\af37\loch\f0 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\super\insrsid1011459\charrsid1011459 \hich\af0\dbch\af37\loch\f0 nd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1011459 \hich\af0\dbch\af37\loch\f0  respondent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8330012\charrsid8208692 ,}
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6844298\charrsid8208692 \hich\af0\dbch\af37\loch\f0  he being the 3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid6844298\charrsid8208692 \hich\af0\dbch\af37\loch\f0 rd}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6844298\charrsid8208692 \hich\af0\dbch\af37\loch\f0  party as far a\hich\af0\dbch\af37\loch\f0 s the insurance policy is concerned.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15544196 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12980375 
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1056495 \hich\af0\dbch\af37\loch\f0             }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\ul\insrsid8330012\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Consideration of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid6844298\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Grounds of Appeal 2}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\f0\fs24\ul\insrsid10636206 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid6844298\charrsid8208692 \hich\af0\dbch\af37\loch\f0 &}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid10636206 
\hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid6844298\charrsid8208692 \hich\af0\dbch\af37\loch\f0 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid6819500 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577\charrsid8208692 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 46}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid12000577 .\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6844298\charrsid8208692 \hich\af0\dbch\af37\loch\f0 The}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15992750\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
 Motor Vehicles (Third Party Insurance) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6763223\charrsid8208692 \hich\af0\dbch\af37\loch\f0 A}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15992750\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
ct 1948 stipulates that a policy of insurance should be in accordance with}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5596567 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15992750\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 section 6(1) of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10824238\charrsid8208692 \hich\af0\dbch\af37\loch\f0  the Act. It stipulates t\hich\af0\dbch\af37\loch\f0 hus:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1657034\charrsid8208692 
\par }\pard \ltrpar\qj \li1080\ri540\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin540\lin1080\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6163221\charrsid8208692 \loch\af0\dbch\af37\hich\f0 \'93}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6825970\charrsid8208692 \hich\af0\dbch\af37\loch\f0 6(1) In order to comply with the provisions of this Act, a policy of insurance must be a policy which \hich\f0 \endash 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6825970\charrsid8208692 \hich\af0\dbch\af37\loch\f0 (a)\tab}}\pard\plain \ltrpar
\s15\qj \li1080\ri540\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin540\lin1080\itap0\pararsid4790188\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6825970\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Is used by an approved insurance company;
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6825970\charrsid8208692 \hich\af0\dbch\af37\loch\f0 (b)\tab}\hich\af0\dbch\af37\loch\f0 
Insures such person, persons or classes of persons as may be specified in the policy in respect of any l\hich\af0\dbch\af37\loch\f0 iability which may be incurred by him or her or them in respect of the death of or bodily injury to any person }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10710035\charrsid8208692 \hich\af0\dbch\af37\loch\f0 c}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5596567 \hich\af0\dbch\af37\loch\f0 aused}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid6825970\charrsid8208692 \hich\af0\dbch\af37\loch\f0  by or arising out of the use of the vehicle.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3894488 
\par }\pard \ltrpar\s15\qj \li1080\ri540\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin540\lin1080\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12980375 
\par }\pard\plain \ltrpar\qj \fi900\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid12000577 \hich\af0\dbch\af37\loch\f0    }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\insrsid6825970\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Provided that \hich\f0 \endash }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid6825970 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid12980375\charrsid8208692 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6825970\charrsid8208692 \hich\af0\dbch\af37\loch\f0 (a)\tab}}\pard\plain \ltrpar
\s15\qj \li1080\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls2\adjustright\rin0\lin1080\itap0\pararsid4790188\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid6825970\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Such policy shall not be required to cover-}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid6825970 
\par }\pard \ltrpar\s15\qj \li1080\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1080\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid12980375\charrsid8208692 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6825970\charrsid8208692 \hich\af0\dbch\af37\loch\f0 (i)\tab}}\pard \ltrpar
\s15\qj \fi-720\li2160\ri540\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls9\adjustright\rin540\lin2160\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6825970\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
liability}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6825970\charrsid8208692 \hich\af0\dbch\af37\loch\f0 solely arising by\hich\af0\dbch\af37\loch\f0 
 virtue of the provisions of the Workmen\hich\f0 \rquote \loch\f0 s Compensation Act 1964; or}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6825970 
\par }\pard \ltrpar\s15\qj \li2160\ri540\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin540\lin2160\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12980375\charrsid8208692 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6825970\charrsid8208692 \hich\af0\dbch\af37\loch\f0 (ii)\tab}}\pard \ltrpar
\s15\qj \fi-720\li2160\ri540\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls9\adjustright\rin540\lin2160\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6825970\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Save }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid6825970\charrsid8208692 \hich\af0\dbch\af37\loch\f0 in the case of a passenger}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6825970\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
 carried for hire or reward in a passenger vehicle or }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid6825970\charrsid8208692 \hich\af0\dbch\af37\loch\f0 where persons are carried by reason of or in pursuance of a contract of employment}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6825970\charrsid8208692 \hich\af0\dbch\af37\loch\f0 , liability in resp\hich\af0\dbch\af37\loch\f0 
ect of the death of or bodily injury to persons being carried in or upon or entering or getting on to a alighting from the motor vehicle at the time of the occurrence of the event out of which the claims arise; or}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid6825970 
\par }\pard \ltrpar\s15\ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12980375 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6825970\charrsid8208692 \hich\af0\dbch\af37\loch\f0 (iii)\tab}}\pard \ltrpar
\s15\qj \fi-720\li2160\ri540\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls10\adjustright\rin540\lin2160\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6825970\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
liability in respect of the death of or i\hich\af0\dbch\af37\loch\f0 \hich\f0 
njury to a relative 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 using the vehicle as a member of his or her family in this paragraph \'93\loch\f0 
\hich\f0 relative\'94\loch\f0  means a \hich\af0\dbch\af37\loch\f0 r\hich\af0\dbch\af37\loch\f0 elative whose degree of relationship is not more remote than the fourth;}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6825970 
\par }\pard \ltrpar\s15\qj \li2160\ri540\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin540\lin2160\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12980375\charrsid8208692 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6825970\charrsid8208692 \hich\af0\dbch\af37\loch\f0 (iv)\tab}}\pard \ltrpar
\s15\qj \fi-720\li2160\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls10\adjustright\rin0\lin2160\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6825970\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
any contractual liability;}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6825970 
\par }\pard \ltrpar\s15\ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12980375 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6825970\charrsid8208692 \hich\af0\dbch\af37\loch\f0 (b)\tab}}\pard \ltrpar
\s15\qj \fi-360\li1080\ri540\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls2\adjustright\rin540\lin1080\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6825970\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
Such policy shall not be required to cover liability in excess of $4,000 for any claim made by or in respect of any passenger in the motor vehicle }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5596567 \hich\af0\dbch\af37\loch\f0 to whic
\hich\af0\dbch\af37\loch\f0 h the policy relates }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10636206 \hich\af0\dbch\af37\loch\f0 or }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10636206\charrsid8208692 \hich\af0\dbch\af37\loch\f0 in}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10636206 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6825970\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
excess of $40,000 for all claims made by or in respect of such passengers.  The amount herein specified shall be inclusive of all costs incidental to any such claim or claims.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3894488\charrsid8208692 
\loch\af0\dbch\af37\hich\f0 \'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13662179 
\par }\pard \ltrpar\s15\qj \li0\ri540\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin540\lin0\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2892637 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188 
\par }\pard \ltrpar\s15\qj \fi-720\li720\ri540\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin540\lin720\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2892637 \hich\af0\dbch\af37\loch\f0 47. \tab 
Employer of the 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid2892637\charrsid2892637 \hich\af0\dbch\af37\loch\f0 nd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2892637 \hich\af0\dbch\af37\loch\f0  Respondent who is the 1}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid2892637\charrsid2892637 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2892637 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid14562856 \hich\af0\dbch\af37\loch\f0 petitioner}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2892637 \hich\af0\dbch\af37\loch\f0  has accepted }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14562856 
\hich\af0\dbch\af37\loch\f0 that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2892637 \hich\af0\dbch\af37\loch\f0 the policy was obtained in compliance with Section 6 of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14562856 
\hich\af0\dbch\af37\loch\f0 Motor Vehicles (Third Party Insurance) Act 1948.  In view of such an acceptance, it cannot be said that there is violation of the said Section 6 of the Act.  Furthermo\hich\af0\dbch\af37\loch\f0 
re, as decided before in this judgment, the 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid14562856\charrsid14562856 \hich\af0\dbch\af37\loch\f0 nd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14562856 \hich\af0\dbch\af37\loch\f0 
 respondent was allowed to travel free because he was an employee of the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid14562856\charrsid14562856 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14562856 
\hich\af0\dbch\af37\loch\f0  petitioner company though such a concession does not fall within the terms of his employment.  Therefore, it is clear that the 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid14562856\charrsid14562856 
\hich\af0\dbch\af37\loch\f0 nd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14562856 \hich\af0\dbch\af37\loch\f0  r\hich\af0\dbch\af37\loch\f0 espondent does not fall into the category of \hich\f0 \lquote \loch\f0 employee\hich\f0 \rquote \loch\f0 
 for whom the extended liability is exempted under the proviso to Section 2 of the policy.  Therefore, the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid14562856\charrsid14562856 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid14562856 \hich\af0\dbch\af37\loch\f0  respondent insurer is liable to indemnify the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid14562856\charrsid14562856 \hich\af0\dbch\af37\loch\f0 st}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid14562856 \hich\af0\dbch\af37\loch\f0  petitioner of the damages awarded to the\hich\af0\dbch\af37\loch\f0  2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid14562856\charrsid14562856 \hich\af0\dbch\af37\loch\f0 nd}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14562856 \hich\af0\dbch\af37\loch\f0  respondent in terms of Section 2 of the Policy.  In the circumstances, it is not necessary to consider the 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\super\insrsid14562856\charrsid14562856 \hich\af0\dbch\af37\loch\f0 nd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14562856 \hich\af0\dbch\af37\loch\f0  and the 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\super\insrsid14562856\charrsid14562856 \hich\af0\dbch\af37\loch\f0 th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14562856 \hich\af0\dbch\af37\loch\f0  grounds of appeal raised by the petitioners.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2892637 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14562856 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188 
\par }\pard\plain \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4671546 \hich\af0\dbch\af37\loch\f0             }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid7304571\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Requirements under Section 7(}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid16715214 \hich\af0\dbch\af37\loch\f0 3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid7304571\charrsid8208692 \hich\af0\dbch\af37\loch\f0 ) of the Supreme Court Act 1988}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\f0\fs24\ul\insrsid7560938 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid13717907 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 \hich\af0\dbch\af37\loch\f0 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4485035 \hich\af0\dbch\af37\loch\f0 8}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577 \hich\af0\dbch\af37\loch\f0 . \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7304571\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
In\hich\af0\dbch\af37\loch\f0  this matter, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4135586\charrsid8208692 \hich\af0\dbch\af37\loch\f0 the meaning}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2844065 \hich\af0\dbch\af37\loch\f0 /}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4135586\charrsid8208692 \hich\af0\dbch\af37\loch\f0 interpretation of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5446382 \hich\af0\dbch\af37\loch\f0 exclusion clause }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3757591 \hich\af0\dbch\af37\loch\f0 i.e. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5446382 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13717907 
\hich\af0\dbch\af37\loch\f0 C}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5446382 \hich\af0\dbch\af37\loch\f0 lause 22 in section 2 of the insurance policy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2844065 \hich\af0\dbch\af37\loch\f0 
 is to be ascertained}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5446382 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid922355 \hich\af0\dbch\af37\loch\f0   }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8788922 
\hich\af0\dbch\af37\loch\f0 Such an issue}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2844065 \hich\af0\dbch\af37\loch\f0  is }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2844065\charrsid8208692 \hich\af0\dbch\af37\loch\f0 
an important point of law }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2844065 \hich\af0\dbch\af37\loch\f0 concerning insurance claims.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2844065\charrsid8208692 \hich\af0\dbch\af37\loch\f0  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4135586\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Also, t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16527947\charrsid8208692 \hich\af0\dbch\af37\loch\f0 he grounds of appeal raised in this 
\hich\af0\dbch\af37\loch\f0 instance give rise to serious questions of law involving matters of public interest in the field of insurance claims.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4135586\charrsid8208692 \hich\af0\dbch\af37\loch\f0 Therefore, it is clear that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8731007\charrsid8208692 \hich\af0\dbch\af37\loch\f0 in this appeal }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4135586\charrsid8208692 \hich\af0\dbch\af37\loch\f0 there exists }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4135586 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13717907\charrsid8208692 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \f3\insrsid4135586\charrsid8208692 \loch\af3\dbch\af37\hich\f3 \'b7\tab}}\pard\plain \ltrpar
\s15\qj \fi-360\li1800\ri720\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin720\lin1800\itap0\pararsid4790188\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4135586\charrsid8208692 \hich\af0\dbch\af37\loch\f0 a far-reaching question of law; and/or
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \f3\insrsid4135586\charrsid8208692 \loch\af3\dbch\af37\hich\f3 \'b7\tab}\hich\af0\dbch\af37\loch\f0 a matter of great general or public impor\hich\af0\dbch\af37\loch\f0 tance; and/or
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \f3\insrsid4135586\charrsid8208692 \loch\af3\dbch\af37\hich\f3 \'b7\tab}\hich\af0\dbch\af37\loch\f0 
a matter that is otherwise of substantial general interest to the administration of civil justice}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8731007\charrsid8208692 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4135586 
\par }\pard \ltrpar\s15\qj \li1800\ri720\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin720\lin1800\itap0\pararsid4790188\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188 
\par }\pard\plain \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4790188 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12980375 \hich\af0\dbch\af37\loch\f0 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4485035 
\hich\af0\dbch\af37\loch\f0 9}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577 \hich\af0\dbch\af37\loch\f0 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10706629 \hich\af0\dbch\af37\loch\f0   }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid16715214 \tab \hich\af0\dbch\af37\loch\f0 T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16458374\charrsid8208692 \hich\af0\dbch\af37\loch\f0 he presence of the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid922355 
\hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16458374\charrsid8208692 \hich\af0\dbch\af37\loch\f0 matters}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1000368 \hich\af0\dbch\af37\loch\f0 
 mentioned in the foregoing paragraph}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16458374\charrsid8208692 \hich\af0\dbch\af37\loch\f0 , it being the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8731007\charrsid8208692 
\hich\af0\dbch\af37\loch\f0 requirements }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16323966\charrsid8208692 \hich\af0\dbch\af37\loch\f0 to grant leave to proc}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16323966\charrsid481651 
\hich\af0\dbch\af37\loch\f0 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16323966\charrsid8208692 \hich\af0\dbch\af37\loch\f0 ed }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3753229\charrsid8208692 \hich\af0\dbch\af37\loch\f0 in}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16323966\charrsid8208692 \hich\af0\dbch\af37\loch\f0  an appeal file\hich\af0\dbch\af37\loch\f0 d in the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577 \hich\af0\dbch\af37\loch\f0 S}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16323966\charrsid8208692 \hich\af0\dbch\af37\loch\f0 upreme Court, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16458374\charrsid8208692 \hich\af0\dbch\af37\loch\f0 under}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid8731007\charrsid8208692 \hich\af0\dbch\af37\loch\f0  Section 7(}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16715214 \hich\af0\dbch\af37\loch\f0 3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8731007\charrsid8208692 \hich\af0\dbch\af37\loch\f0 ) of the Supreme Court Act 1998}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16458374\charrsid8208692 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577 
\hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3753229\charrsid8208692 \hich\af0\dbch\af37\loch\f0 necessitates}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12000577 {\*\bkmkstart _GoBack}{\*\bkmkend _GoBack}
\hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8731007\charrsid8208692 \hich\af0\dbch\af37\loch\f0 this Court }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16458374\charrsid8208692 \hich\af0\dbch\af37\loch\f0 to}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8731007\charrsid8208692 \hich\af0\dbch\af37\loch\f0  grant leave to proceed with this appeal. 
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid12980375 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid4790188 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid12000577 \hich\af0\dbch\af37\loch\f0 Orders of the Court:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid6825970 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid12000577 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid10289928\charrsid12000577 \hich\af0\dbch\af37\loch\f0 1.\tab}}\pard\plain \ltrpar
\s15\qj \fi-360\li1080\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin1080\itap0\pararsid4790188\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid10289928\charrsid12000577 \hich\af0\dbch\af37\loch\f0 The petition for special leave to appeal is granted}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8988602\charrsid12000577 \hich\af0\dbch\af37\loch\f0  and the appeal of the two petitioners \hich\af0\dbch\af37\loch\f0 is allowed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid10289928\charrsid12000577 .
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid10289928\charrsid12000577 \hich\af0\dbch\af37\loch\f0 2.\tab}\hich\af0\dbch\af37\loch\f0 The judgment dated 26.05.2017 of the Court of Appeal is set aside.
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid8988602\charrsid12000577 \hich\af0\dbch\af37\loch\f0 3.\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8988602\charrsid12000577 \hich\af0\dbch\af37\loch\f0 
The judgment dated}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid16010437\charrsid12000577 \hich\af0\dbch\af37\loch\f0  01.06.2012 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8988602\charrsid12000577 \hich\af0\dbch\af37\loch\f0 
of the High Court is reinstated.
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid14105690\charrsid12000577 \hich\af0\dbch\af37\loch\f0 4.\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid14105690\charrsid12000577 \hich\af0\dbch\af37\loch\f0 Each}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid10289928\charrsid12000577 \hich\af0\dbch\af37\loch\f0  petitioner }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid14105690\charrsid12000577 \hich\af0\dbch\af37\loch\f0 is}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid10289928\charrsid12000577 \hich\af0\dbch\af37\loch\f0  entitled to the costs }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid25245\charrsid12000577 \hich\af0\dbch\af37\loch\f0 amounting to }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid14496059\charrsid12000577 \hich\af0\dbch\af37\loch\f0 $}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid14105690\charrsid12000577 \hich\af0\dbch\af37\loch\f0 3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid3963853\charrsid12000577 000}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid14105690\charrsid12000577 \hich\af0\dbch\af37\loch\f0 .00 as the costs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid25245\charrsid12000577 
\hich\af0\dbch\af37\loch\f0  in this Court }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid14105690\charrsid12000577 \hich\af0\dbch\af37\loch\f0 as well as}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid25245\charrsid12000577 
\hich\af0\dbch\af37\loch\f0  the Court of \hich\af0\dbch\af37\loch\f0 Appeal. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid10289928\charrsid12000577 
\par }\pard\plain \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang1033\langfe1033\loch\af37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3305301 
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4790188\charrsid8208692 
\par }\pard \ltrpar\ql \li5040\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin5040\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid4790188 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2566756\charrsid4790188 \hich\af0\dbch\af37\loch\f0 Hon.}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid12931302\charrsid4790188 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2566756\charrsid4790188 \hich\af0\dbch\af37\loch\f0 Mr.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid12931302\charrsid4790188 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2566756\charrsid4790188 \hich\af0\dbch\af37\loch\f0 Justice}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid12931302\charrsid4790188 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2566756\charrsid4790188 \hich\af0\dbch\af37\loch\f0 Suresh Chandra}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid14365829\charrsid4790188 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid2566756\charrsid4790188 \hich\af0\dbch\af37\loch\f0 Judge of the Supreme Court}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1189890\charrsid4790188 
\par }\pard \ltrpar\qc \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid1189890 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid4485035 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2566756\charrsid4790188 \hich\af0\dbch\af37\loch\f0 Hon.Mr. Justice Brian Keith}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14365829\charrsid4790188 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid2566756\charrsid4790188 {\*\bkmkstart _Hlk511658155}\hich\af0\dbch\af37\loch\f0 Judge of the Supreme Court
\par }\pard \ltrpar\qc \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid1189890 {\*\bkmkend _Hlk511658155}
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid12931302 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid3305301\charrsid8208692 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4790188 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2566756\charrsid4790188 \hich\af0\dbch\af37\loch\f0 Hon.}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid12931302\charrsid4790188 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2566756\charrsid4790188 \hich\af0\dbch\af37\loch\f0 Mr.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid12931302\charrsid4790188 \hich\af0\dbch\af37\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2566756\charrsid4790188 \hich\af0\dbch\af37\loch\f0 Justice Kankani Chitrasiri
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid14365829\charrsid4790188 \hich\af0\dbch\af37\loch\f0 Judge of the Supreme Court}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid2566756\charrsid4790188 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid4790188\charrsid4790188 
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