Rwanda Case Law

SANLAM AG Plc v BIZIMANA

Court

Supreme Court

Case number

RS/INJUST/RC 00005/2024/SC

SANLAM AG Plc failed to prove that the insured driver or Bizimana Védaste acted with the specific intent to cause harm (faute intentionnelle). The insured's and victim's actions, while negligent, did not amount to intentional conduct that would exclude insurance coverage. The victim's fault was not the sole cause of the accident, nor was it intentional. Therefore, SANLAM remains liable for compensation under Rwandan law.

Source excerpt

• Motor vehicle accident compensation
• Insurer liability
• Intentional torts
• Contributory negligence
• Damages

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SANLAM AG Plc v BENDANTUNGUKA

Court

High Court

Case number

RCA 00001/2022/HC/RWG

The High Court partly upheld SANLAM’s appeal, confirming insurer liability and reducing economic damages to 1,080,000 Frw where actual income was not proved.

• Motor vehicle insurance
• Compensation for bodily injury
• Calculation of damages
• Insurer liability
• Appeal procedure
• Motor-vehicle-insurance

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KARANGWA v. COGEAR

Court

Supreme Court

Case number

RCOMA 0190/12/CS

The insurance contract between KARANGWA and COGEAR was still valid at the time of the fire due to tacit renewal and absence of proper termination notice; therefore, COGEAR is liable for the insured damages but not for bank interest, as there is no direct contractual link between the insurance and the bank loan.

Source excerpt

• Validity of insurance contract
• Tacit renewal
• Insurer liability
• Damages
• Interest on bank loans

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