Insurance and indemnity

Ernesta & Anor v H Savy Insurance Company Limited (CS 65/2016) [2020] SCSC 209 (27 March 2020);



[1]       The plaintiff is the owner of a villa at La Passe on La Digue called Villa Hortensia situated on Title LD1541 (‘the villa’). The villa was completely destroyed by a fire on 29             June 2015. The fire service and police concluded that the fire was caused by arson. There were two insurance policies covering the property at the time, one from MUA (Exhibit           D1, ‘the MUA Policy’) and the other from H Savy Insurance (Exhibit P1, ‘the Savy Policy’).

Cholarajan v MAU (Seychelles) Insurance (CA 15/2018) [2019] SCSC 296 (09 April 2019);


[1]        This Judgment arises out of an appeal from a Magistrate’s Court decision of the 5th April 2018 (“the Judgment”) wherein the plaint of the Appellant was dismissed.

[2]        For the purpose of this Judgement, the following are the salient factual and procedural      background thereof.