The court found that the plaintiff was expressly named as an insured member under group personal accident policy No. 9000447, which was valid at the time of the accident. The defendant's argument on lack of privity was rejected because group insurance law recognizes the right of named beneficiaries to claim under such policies. Medical evidence established that the plaintiff suffered permanent disability assessed at 15%, which fell within the policy's coverage for partial or total disability. The defendant failed to produce contrary medical evidence or to point to any policy clause excluding the plaintiff. The court held that the plaintiff was entitled to the contract sum of Kshs. 2,000,000 as per the policy, plus interest and costs, and that the defendant's arguments regarding the plaintiff's retirement age and alleged lack of clean hands were unsupported by evidence. The court thus entered judgment for the plaintiff.