Skip to main content

Case details

Presidential Insurance Company Ltd (Appellant) v Twitz and another (Respondents) (Trinidad & Tobago)

Case ID: JCPC 2018/0020

Jurisdiction: The Court of Appeal of the Republic of Trinidad and Tobago

Case summary


  1. Whether the Second Respondent had an insurable interest in the vehicle and continued to be part owner
  2. Whether any sale of the vehicle was a de facto hire purchase which made the Appellant liable as insurer
  3. Whether the agreement for sale of the vehicle without the Appellant’s consent terminated the latter’s liability to third parties and
  4. Whether the Court of Appeal correctly interpreted ss.4(7) and 10(1) of the Motor Vehicle Insurance (Third Party Risks) Act Ch 48:51


On 27 February 2011 a vehicle with registration PBO 4059 was involved in an accident. The vehicle was driven by Mr Aston Gaines with Mr Kerwin Tenia as a passenger. As a result of injuries sustained in the accident, Mr Tenia died three months later. The First Respondent is the mother of Mr Tenia. She brought proceedings against the Second Respondent as the owner of the vehicle, and the Appellant as the insurer of the vehicle.

A trial of certain preliminary issues was directed. Jones J held that the Second Respondent was the owner of the vehicle and that, at the relevant time, the Appellant was the insurer. In doing so, she rejected the Appellant’s case that the Second Respondent was not the owner of the vehicle, and that the insurance policy was avoided by material non-disclosure. On appeal, the Court of Appel of Trinidad and Tobago upheld the judgment of Jones J.



Presidential Insurance Company Ltd


Emily Twitz


Dexter Ramphal



Lord Hodge, Lord Lloyd-Jones, Lord Briggs, Lord Hamblen, Lord Burrows

Hearing start date

01 Jul 2020

Hearing finish date

01 Jul 2020

Watch hearing
01 Jul 2020 Afternoon session

Judgment details

Judgment date

20 Jul 2020

Neutral citation

[2020] UKPC 20