SANLAM ASSURANCE GÉNÉRALES Plc v IZABAYO

# SANLAM ASSURANCE GÉNÉRALES Plc v IZABAYO

- Source: Amategeko - Section: Decisions (Judgements) - Date: 2023-07-26 - Case/document no.: RCA 00043/2022/HC/RSZ - Collection: High Court

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SANLAM ASSURANCE GÉNÉRALES Plc v IZABAYO [Rwanda URUKIKO RUKURU - RCA 00043/2022/HC/RSZ (Habimana, P.J.) 26 Nyakanga 2023] Amategeko agenga imiburanishirize y’imanza – Imenyesha ry’imikirize y’urubanza - Ntabwo Urukiko rutegetswe kumenyesha imikirize y’urubanza umuburanyi wari uhari ku iburanisha rya nyuma, kabone niyo isomwa rya rwo ryakwimurirwa ku yindi tariki, kuko niyo umuburanyi ataza gusomerwa, agomba gukurikirana akamenya igihe urubanza rwe rwasomewe. Incamake y’ikibazo: Uru rubanza rukomoka ku mpanuka yakozwe n’ikinyabiziga cyagonze uwitwa Izabayo bimusigira ubumuga buhoraho bungana na 37%. Izabayo yegereye Sanlam Assurance Generales Plc (Sanlam) nk’umwishingizi w’icyo kinyabiziga asaba indishyi ariko ntibumvikana bituma atanga ikirego mu Rukiko Rwisumbuye rwa Rusizi asaba indishyi zitandukanye. Nubwo ababuranyi bari bamenyeshejwe umunsi w’iburanisha ubwo bakoraga inama ntegura rubanza, uwo munsi ugeze uregwa ntiyitabye, iburanisha riba adahari, Urukiko ruza kwemeza ko yaha urega indishyi zitandukanye. Sanlam yajuririye uru rubanza mu Rukiko Rukuru ivuga ko ikirego cyatanzwe ku rwego rwa mbere ubwumvikane butarananirana kuko yahaye Izabayo umushinga w’ibyo yabonaga yahabwa ariko we aho gusubiza niba awemera cyangwa atawemera ahita atanga ikirego. Ururkiko Rukuru rwakiriye ubu bujurire ariko mbere y’uko iburanisha mu mizi riba habanza gusuzumwa inzitizi yatanzwe n’uregwa avuga ko ubujurire bwa Sanlam butagombaga kwakirwa kuko bwatanzwe impitagihe. Izabayo avuga ko urega atubahirije ibihe byo kujurira nyuma yo kumenyeshwa inyandiko y’ihamagara ku wa 03/03/2022 ikanayakira, yibutswa ko izaburana kuwa 09/05/2022 ndetse ihujwe n’urubanza ku buryo bw’ikoranabuhanga, ariko uwo munsi ntiyitaba, iburanishwa idahari urubanza rusomwa kuwa 23/05/2022, itanga ubujurire ku wa 20/07/2022, igihe cy’ukwezi cyo kujurira cyararangiye. Sanlam yo ivuga ko urubanza yajuririye rwaburanishijwe idahari, ikaba yaragombaga kumenyeshwa imikirize yarwo. Kuba rero yarayimenyeshejwe ku wa 29/06/2022 hishyuzwa indishyi zategetswe bikozwe n’umuhesha w’Inkiko aricyo gihe cyagenderwaho habarwa iminsi mirongo itatu (30) yo kujurira. Incamake y’icyemezo: Ntabwo Urukiko rutegetswe kumenyesha imikirize y’urubanza umuburanyi wari uhari ku iburanisha rya nyuma, kabone niyo isomwa rya rwo ryimuriwe ku yindi tariki, kuko niyo umuburanyi ataza gusomerwa, agomba gukurikirana akamenya igihe urubanza rwe rwasomewe bityo ibyo Sanlam ivuga nta shingiro bifite kuko n’ubwo ititabiriye iburanisha ry’urubanza, yamenyeshejwe mu buryo bukurikije amategeko bw’ikoranabuhanga umunsi w’isomwa ryarwo wo ku wa 23/05/2022, uherwaho habarwa igihe cy’ukwezi yagomba kuba yarajuriyemo. Ikirego cy’ubujurire nticyakiriwe; Ingwate y’amagarama yatanzwe ihwanye n’ibyakozwe mu rubanza. Amategeko yashingiweho:

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Itegeko No 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, ingingo ya 34, 56, 111, 148, 277. Imanza zifashishijwe: RPA 0022/14/CS, Ubushinjacyaha na Bogere Barige, rwaciwe n’Urukiko rw’Ikirenga ku wa 23/03/2018; RPAA 00060/2021/CA, Ubushinjacyaha na Gakoza Eugène, rwaciwe n’Urukiko rw’Ubujurire ku wa 27/09/2022. Urubanza I. IMITERERE Y’URUBANZA [1] Ku wa 05/03/2020 habaye impanuka itewe n'ikinyabiziga RAE958E cyagonze Izabayo Jean Bosco arakomereka ndetse bimusigira ubumuga buhoraho bungana na 37%. Nyuma yo kugerageza gusaba indishyi binyuze mu bwumvikane ariko bikananirana, Izabayo Jean Bosco yaregeye urukiko asaba indishyi zitandukanye zikomoka kuri iyo mpanuka. [2] Mu rubanza RC 00108/2021/TGI/RSZ, ku munsi w’inama ntegurarubanza yabaye kuwa 18/03/2022, hitabye Me Mwizerwa Alexis ahagarariye Izabayo Jean Bosco urega, naho Sanlam Assurance générales Plc ititabye ariko yaramenyeshejwe itariki y’inama ntegurarubanza mu buryo bukurikije amategeko kuko yasinye ku nyandiko ibatumiza mu nama ntegurarubanza ndetse ikaba inahuje neza n’urubanza, hemejwe Urukiko Rwisumbuye rwemeza ko Sanlam Assurance générales Plc iburanishwa idahari. Rushingiye ku kuba Izabayo Jean Bosco yaravutse mu mwaka wa 1989, akora impanuka mu mwaka wa 2020 afite imyaka 31, akaba yari asigaje imyaka 34 yo gukora umurimo yisanzuye mbere yo gutangira ikiruhuko cy'izabukuru, rwemeje ko icyo kirego gifite ishingiro, rutegeka Sanlam Assurance générales Plc kwishyura Izabayo Jean Bosco indishyi mbangamirabukungu zingana na 6.270.267Frw, indishyi z’akababaro 432.000Frw, indishyi zo gutakaza uburambe mu kazi 540.000Frw, ibyakoreshejwe n’ingendo 45.600Frw, igihembo cya avoka 500.000Frw, gusubiza amafaranga 20.000Frw y’ingwate y’amagarama, amafaranga 20.000Frw yahawe muhesha w’inkiko w’umwuga, yose hamwe akaba Miriyoni zirindwi n’ibihumbi magana inani na makumyabiri na birindwi na magana inani na mirongo itandatu na arindwi (7.827.867Frw). [3] Sanlam Assurance générales Plc yajuririye uru Rukiko, ubujurire bwayo bwandikwa kuri No RCA 00043/2022/HC/RSZ, urubanza ruburanishwa mu ruhame kuwa 15/06/2023, ihagarariwe Me Nkeza Clement naho Izabayo Jean Bosco ahagarariwe na Me Mwizerwa Alexis. [4] Mu myanzuro y’ubujurire no mu miburanire, Sanlam Assurance générales Plc isaba ko Urukiko rwajuririwe ko rwazasuzuma niba ikirego cyatanzwe ku rwego rwa mbere cyaragombaga kwakirwa ubwumvikane butarananirana, kuko kuwa 01/06/2021 uwahohotewe yamenyeshejwe umushinga w’indishyi Sanlam ishobora kwishyura ku bwumvikane ngo inamumenyesha kandi ko abaye atemera izo ndishyi cyangwa hari ibyo adasobanukiwe

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yabigaragaza bakabiganiraho, ariko ngo kuwa 28/9/2021 ahita atanga ikirego atabanje kugaragaza icyo abivugaho. Yasabye ko hazasuzumwa ingano y’ubumuga buhoraho yashingirwaho habarwa indishyi mbangamirabukungu no kumenya niba zabarwa hashingiwe ku mushahara w’ukwezi Izabayo Jean Bosco yakoreraga. Asoza avuga ko indishyi z’ibangamiraburambe nazo zitagombaga gutangwa kubera ko uwahohotewe atabasha kugaragaza niba yari umukozi uhoraho uhembwa umushahara uzwi. [5] Uhagarariye Izabayo Jean Bosco asobanura ko yasabye indishyi mu bwumvikane kuwa 11/11/2020 ariko ntibyakunda kubera ko umwishingizi atubahirije inshingano ze kuko yandikiye Sanlam ibaruwa yo kuwa 03/06/2021, asaba ko hashyirwaho akanama k’abaganga kugira ngo gasuzume ubumuga nyakuri Izabayo Jean Bosco yari afite, Sanlam imaze kubona iyo nyandiko ntiyayisubiza ngo hubahirizwe ibiteganywa n’amategeko nkuko byari byasobanuwe muri iyo baruwa, bituma ahitamo kuregera urukiko kuwa 28/09/2021 mu gihe nyamara Sanlam itagombaga kurenza ukwezi itarasubiza icyifuzo cyo gushyiraho akanama k’abaganga. Yasobanuye kandi ko Urukiko rubanza rutari gushingira ku bumuga bwagaragajwe muri contre- expertise Izabayo atemera kuko uburyo yakozwemo budasobanutse bitewe n’uko umuganga wa Sanlam atagaragaje icyo yashingiyeho aha uwahohotewe ubumuga bitewe n’uko atigeze apima umurwayi. Uhagarariye Izabayo Jean Bosco asoza avuga ko yabariwe indishyi z’ibangamiraburambe kubera ko yari mu rwego rw’umuntu wari usanzwe akora, akazi yakoraga kakaba kadashidikanywaho kuko katangiwe ikimeyetso mu rubanza. [6] Uhagarariye Izabayo Jean Bosco yatanze inzitizi yo kutakira ubujurire bwa Sanlam kubera ko itubahirije ibihe byo kujurira nyuma yo kumenyeshwa ko izaburana ikakira inyandiko y’ihamagara kuwa 03/03/2022 ndetse ihujwe n’urubanza ku buryo bw’ikoranabuhanga, ariko yo ihitamo kujurira kuwa 20/07/2022 yirengagije igihe cy’ukwezi cyo kujurira giteganywa n’amategeko ku rubanza rwaciwe kuwa 23/05/2022. Uhagarariye Sanlam avuga ko iyo iyo nzitizi nta shingiro ifite kuko urubanza yajuririye rwaburanishijwe uregwa adahari, ikaba yaragombaga kumenyeshwa imikirize yarwo. Kuba rero yarayimenyeshejwe kuwa 29/06/2022 hishyuzwa indishyi zategetswe maze ikajurira kuwa 20/07/2022, igihe cy’ukwezi asanga cyarubahirijwe. Impande zombi zasabye indishyi z’ikurikiranarubanza n’igihembo cya avoka. [7] Urukiko, rushingiye kuri izo mpaka, rusanga hakwiye gusuzumwa ikibazo gikurikira: a. Kumenya niba Sanlam Assurance générales Plc yarajuriye mu gihe giteganywa n’amategeko; b. Ibijyanye n’indishyi z’ikurikiranarubanza n’igihembo cya avoka. a) Kumenya niba Sanlam Assurance générales Plc yarajuriye mu gihe giteganywa n’amategeko [8] Uhagarariye Izabayo Jean Bosco yasabye ko ikirego cy’ubujurire cya Sanlam Assurance générales Plc kitakwakirwa kubera ko itubahirije ibihe byo kujurira nyuma yo kumenyeshwa inyandiko y’ihamagara kuwa 03/03/2022 ikanayakira, yibutswa ko izaburana kuwa 09/05/2022 ndetse ihujwe n’urubanza ku buryo bw’ikoranabuhanga, ariko uwo munsi ntiyitaba iburanishwa idahari urubanza rusomwa kuwa 23/05/2022; Sanlam yahisemo kujurira kuwa 20/07/2022

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yirengagije ko igihe cy’ukwezi cyo kujurira giteganywa n’amategeko ku rubanza rwaciwe kuwa 23/05/2022 cyarenze. [9] Uhagarariye Sanlam Assurance générales Plc avuga ko iyo iyo nzitizi nta shingiro ifite kuko urubanza yajuririye rwaburanishijwe idahari, ikaba yaragombaga kumenyeshwa imikirize yarwo. Kuba rero yarayimenyeshejwe kuwa 29/06/2022 hishyuzwa indishyi zategetswe nkuko bigaragazwa n’inyandiko yanditswe na Me Mwizerwa Alexis, maze ikajurira kuwa 20/07/2022, igihe cy’ukwezi ngo asanga cyarubahirijwe. UKO URUKIKO RUBIBONA [10] Hakurikijwe imiburanire ya Sanlam Assurance générales Plc na Izabayo Jean Bosco n’umuhagarariye mu rubanza, impaka muri uru rubanza zishingiye ku kumenya niba mu gihe umuburanyi uregwa yamenyeshejwe mu buryo bukurikije amategeko itariki azaburaniraho yagera ntiyitabe akaburanishwa adahari, biba bikiri ngombwa kuzanamumeyesha imikirize y’urubanza mu gihe ahujwe neza na dosiye mu rwego rw’ikoranabuhanga kuburyo abona buri kimwe cyose gikozwe mu rubanza rwe; Ibyo bigafasha mu kumenya itariki izaherwaho mu kubara ibihe byo kujurira. [11] Ingingo ya 34 y’Itegeko No 22/2018 ryo kuwa 29/04/2018 Ryerekeye Imiburanishirize y’imanza z’Imbonezamubano, iz’Ubucuruzi, iz’Umurimo n’iz’Ubutegetsi ivuga ko: “Guhamagaza cyangwa kumenyesha umuburanyi bikorwa n’urukiko hakoreshejwe ubutumwa butanzwe mu buryo bw’ikoranabuhanga. Iyo bidashoboka, inyandiko ihamagara umuburanyi inyuzwa ku muhesha w’inkiko wabiherewe ububasha igashyikirizwa umuburanyi kugira ngo yitabe Urukiko. [12] Ingingo ya 56 y’Itegeko No 22/2018 ryo kuwa 29/04/2018 ryavuzwe haruguru iteganya ko Iyo mu iburanisha uregwa atitabye nta mpamvu, urega ashobora gusaba ko urubanza rwimurirwa ku yindi tariki cyangwa gusaba ko ruburanishwa uregwa adahari, hasuzumwa imyanzuro yatanze. Naho ingingo ya 148 ikavuga ko: “Igihe ntarengwa cyo kujurira ni ukwezi kumwe (1) gitangira kubarwa kuva ku munsi umuburanyi yamenyeyeho ko urubanza rwasomwe. Umuburanyi wari uhari iburanisha ripfundikirwa, n’iyo yaba atari ahari umunsi w’isomwa ry’urubanza, afatwa nk’uwamenye igihe urubanza rwasomewe. Ingingo ya 277 y’iri Tegeko yo igira iti: “Ku bihe byagenwe mu mezi no mu mwaka, bibarwa kuva ku itariki ibanza kugeza ku munsi ubanziriza itariki ya nyuma igikorwa kigomba kurangiriraho. [13] Ku byerekeye igihe umuburanyi utaritabiriye umunsi w’iburanisha Urukiko rwamenyekanishirijeho isomwa ry’urubanza amenyera imikirize yarwo, iki kibazo cyamaze gutangwaho umurongo mu rubanza N RPA 0022/14/CS rwaciwe n’Urukiko rw’Ikirenga kuwa ⁰ 23/03/2018, Ubushinjacyaha buburana n’uwitwa Bogere Barige. Muri urwo rubanza Bogere Barige yavugaga ko yajuriye ahereye kw’itariki yo ku wa 07/02/2014 yamenyesherejweho imikirize y’urubanza bitinze, ko kandi umunsi wo gusomerwa, atabonetse ku mpamvu zitamuturutseho. Urukiko rw’Ikirenga rwasanze nta shingiro byahabwa kuko yari azi igihe

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urubanza ruzasomerwa ariko ntiyakurikirana iby’imikirize yarwo, cyane cyane ko Urukiko rudategetswe kumenyesha imikirize y`urubanza umuburanyi wari uhari ku iburanisha ryanyuma, kabone n`iyo isomwa ryarwo ryimuriwe ku yindi tariki nk’uko byagenze kuri uru rubanza, kuko niyo umuburanyi ataza gusomerwa, agomba gukurikirana akamenya igihe urubanza rwe rwasomewe. [14] Uyu murongo ni nawo waje gukoreshwa mu zindi manza zaciwe nyuma noneho ku baburanyi bamenyeshejwe iburanisha ry’imanza zabo ndetse bakanahuzwa nazo mu buryo bw’ikoranabuhanga, ariko ntibitabire iburanisha ryatangarijwemo umunsi w’isomwa ryazo, nyuma bakaza gusaba ko ubujurire bwabo bwatangira kubarwa uhereye igihe bamenyeyeho imikirize y’imanza zaciwe banze kwitaba. Muri izo manza harimo Nº RPAA 00060/2021/CA, rwaciwe n’Urukiko rw’Ubujurire kuwa 27/09/2022, Ubushinjacyaha buburana n’uwitwa Gakoza Eugène. [15] Impaka zari muri urwo rubanza zari zigamije kumenya niba igihe cy’ubujurire bwa GAKOZA Eugène gikwiye kubarwa haherewe igihe urubanza rwasomewe cyangwa niba ari igihe avuga ko yamenyesherejweho urubanza, no kumenya itariki yaherwaho hagaragazwa ibihe Gakoza Eugène yajuririye hagati ya 10/07/2019 bigaragara ko ariyo tariki gereza ya Nyarugenge yakiriye ibaruwa y’ubujurire bwe n’itariki ya 29/07/2019 yandikiyeho ibaruwa. [16] Ku birebana n’igishingirwaho mu kubara ibihe by’ubujurire ku muburanyi wamenyeshejwe mu buryo bwemewe n’amategeko ariko ku munsi urubanza ruciriweho ntaze cyangwa ngo yohereze umuhagararira, Urukiko rw’Ubujurire rwasesenguye ibiteganywa n’ingingo ya 181, igika cya mbere, y’Itegeko Nº 027/2019 ryo ku wa 19/9/2019 ryerekeye imiburanishirize y’imanza z’inshinjabyaha iteganya ko “Kujurira bikorwa mu gihe kitarenga iminsi mirongo itatu (30) uhereye ku itariki urubanza rwaciriweho ku muburanyi wari uhari cyangwa ahagarariwe igihe urubanza rwacibwaga. Icyo gihe gikurikizwa kandi ku muburanyi wamenyeshejwe mu buryo bwemewe n’amategeko, umunsi urubanza ruzacibwaho ntaze cyangwa ngo yohereze umuhagararira”. [17] Mu kumenya niba ibarwa ry’ibihe by’ubujurire bishingira ku itariki urubanza rwasomeweho cyangwa niba ari itariki uwajuriye avuga ko yamenyesherejweho urubanza, Urukiko rw’Ubujurire rugendeye ku murongo wavuzwe haruguru mu rubanza N RPA ⁰ 0022/14/CS, narwo rwemeje ko umuburanyi atakwitwaza ko yatinze kujurira kuko yari ataramenyeshwa urubanza, kuko ariwe ugomba gukurikirana akamenya igihe urubanza rwe rwasomewe. Uyu murongo ukaba utarahinduka kuko ariwo wanakomeje gukoreshwa no mu zindi manza zirimo No RPAA 00558/2021/CA, rwaciwe n’Urukiko rw’Ubujurire ku wa 27/01/2023, haburana Ubushinjacyaha na Habimana François. [18] Ku birebana n’uru rubanza, dosiye igaragaza ko urubanza N°RC 00108/2021/TGI/RSZ, Sanlam ijuririra rwaburanishijwe kuwa 09/05/2022, hitabye Me Mwizerwa Alexis ahagarariye Izabayo Jean Bosco urega, naho Sanlam Assurance générales Plc ititabye ariko yaramenyeshejwe itariki y’inama ntegurarubanza mu buryo bukurikije amategeko kuko yasinye ku nyandiko ibatumiza mu nama ntegurarubanza ndetse ikaba inahuje neza n’urubanza. hemejwe Urukiko Rwisumbuye rwemeza ko Sanlam Assurance générales Plc iburanishwa idahari. Kuri uwo munsi ninaho ababuranyi bamenyesherejweho umunsi urubanza ruzasomerwaho wo kuwa 23/05/2022 umuburanyi wari imbere y’urukiko arawusinyira, naho Sanlam itari yitabye

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iwumenyeshwa binyuze mu ikoranabuhanga kuko ihuje neza n’urubanza kandi ikaba ikurikirana ikanamenya buri kimwe cyose gikozwe kuri dosiye yayo. [19] Dosiye igaragaza kandi ko kuwa 20/07/2022 aribwo Sanlam yahise ijurira, uyihagarariye avuga ko itariki ya 29/06/2022, ariyo ikwiye guherwaho habarwa ibihe byo kujurira ngo kuko aribwo yamenyeye imikirize y’urubanza rwaciwe idahari ubwo bayisabaga kururangiza, avuga ko asanga yarubahirije igihe cy’ukwezi kumwe giteganywa n’ingingo ya 148 yasobanuwe haruhuru; mu gihe uhagarariye Izabayo Jean Bosco we asanga igihe cyo kujurira kigomba gutangira kubarwa uhereye igihe urubanza rwasomewe kuwa 23/05/2022 kuko Sanlam n’ubwo yanze kwitabira iburanisha ariko yamenyeshejwe mu buryo bukurikije amategeko igihe urubanza ruzasomerwa, ntiyitabira cyangwa ngo yohereze uyihagarariye muri iryo somwa kandi byari biri mu nshingano zayo. [20] Urukiko rusanga ibivugwa n‘uhagarariye Sanlam nta shingiro bifite kuko n’ubwo ititabiriye iburanisha ry’urubanza N°RC 00108/2021/TGI/RSZ ikaburanishwa idahari, yamenyeshejwe mu buryo bukurikije amategeko bw’ikoranabuhanga umunsi w’isomwa ryawo wo kuwa 23/05/2022 ari nayo tariki rwasomeweho. Uwo munsi rero ukaba ari wo ugomba guherwaho habarwa igihe cy’ukwezi kumwe yagombaga kuba yarajuriyemo. Nkuko byagarutsweho haruguru, kuwa 20/07/2022 nibwo Sanlam yatanze ikirego cy’ubujurire ku rubanza N°RC 00108/2021/TGI/RSZ rwaciwe 23/05/2022, hashize ukwezi kumwe n’iminsi 27 kuva urubanza rusomwe, bikaba byumvikana ko igihe giteganywa n’amategeko cyari cyarenze. [21] Kubera izo mpamvu zose, Urukiko rurasanga ikirego cy’ubujurire cyatanzwe na Sanlam Assurance générales Plc kidakwiye kwakirwa ngo gisuzumwe kuko ibihe (ukwezi kumwe) byo kujurira bitubahirijwe. b) Indishyi z’ikurikirana rubanza n’igihembo cya avoka [22] Uhagarariye Izabayo Jean Bosco yasabye ko Sanlam Assurance générales Plc LC yategekwa kwishyura amafaranga yakoresheje mu gukurikirana uru rubanza n’igihembo cya avoka ku rwego rw’ubujurire angana na 500.000Frw. Hagendewe ku biteganywa n’ingingo ya 111 y’itegeko No 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi ivuga ko ikirego cy’amafaranga y’ikurikiranarubanza ari ikirego gishamikira ku kirego cy’iremezo kigamije kwishyuza ibyakoreshejwe mu rubanza. Ikirego cy’amafaranga y’ikurikiranarubanza kikaba kiburanishirizwa rimwe n’ikirego cy’iremezo; kandi kikaba Fgishobora kwakirwa kikanaburanishwa n’iyo ikirego cy’iremezo cyaba kitakiriwe; Urukiko rurasanga indishyi zisabwa ku rwego rw’ubujurire zifite ishingiro, hagendewe ku mirimo yakozwe muri uru rubanza aho bigaragara ko ababuranyi bitabye urukiko inshuro zigeze kuri eshatu, bityo akaba agenewe amafaranga 500.000Frw. III. ICYEMEZO CY’URUKIKO [23] Rwemeje ko ikirego cy’ubujurire cya Sanlam Assurance générales Plc kitakiriwe.

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[24] Rutegetse Sanlam Assurance générales Plc kwishyura Izabayo Jean Bosco indishyi mbangamirabukungu zingana na 6.270.267Frw, indishyi z’akababaro 432.000Frw, indishyi zo gutakaza uburambe mu kazi 540.000Frw, indishyi z’ibyakoreshejwe n’ingendo 45.600Frw, igihembo cya avoka 500.000Frw, kumusubiza ingwate y’amagarama 20.000Frw, amafaranga 20.000Frw yahawe umuhesha w’inkiko w’umwuga; indishyi zose hamwe uko ari Miriyoni zirindwi n’ibihumbi magana inani na makumyabiri na birindwi na magana inani na mirongo itandatu na arindwi (7.827.867Frw) itazitanga ku neza kandi mu gihe giteganywa n’amategeko zikazavanwa mu byayo ku ngufu za Leta. [25] Rutegetse Sanlam Assurance Générales Plc kwishyura Izabayo Jean Bosco indishyi z’ikurikiranarubanza n’igihembo cya avoka ku rwego rw’ubujurire zingana n’amafaranga 500.000Frw, itazitanga ku neza kandi mu gihe giteganywa n’amategeko zikazavanwa mu byayo ku ngufu za Leta. [26] Ruvuze ko ingwate y’amagarama yatanzwe na Sanlam Assurance Générales Plc ijurira ihera mu isanduku ya Leta.