THE REPUBLIC v. JANET KUMKAH, JAPHET DZORKPUI AND PETER AZUMAH

J U D G M E N T

This judgment is in respect of the third accused, Peter Azumah, who was charged with a

count each of the offences of abetment of crime and possession of forged document contrary to

sections 20(1) and 166 of the Criminal Offences Act, 1960 (Act 29).

He was alleged to have aided and abetted the first accused, Janet Kumkah, in the year

2019 to carry on insurance business without licence in Ho. He was also alleged to have

had in his possession a Quality Insurance Company (QIC) sticker with serial number

4671090 in the year 2019 in Ho.

The complainant in this case who was the Regional Manager of National Insurance

Commission (NIC), Ho. The first and second accused persons were middle men

popularly known as Goro Boys or Goro Girls at the Driver and Vehicle Licensing Authority

(DVLA) in Ho. The third accused is an insurance agent for QIC Limited, Ho branch, located within the premises of the DVLA. In May 2019, the NIC received series of

complaints that one Peter at DVLA, Ho was selling fake insurance stickers to unsuspected

motorists within the Ho municipality. This usually led to the rejection of injury claims by

Insurance Companies due to the fake nature of the insurance stickers and documents

presented for the insurance claims. The police on 20 May 2019 therefore visited the third

accused in his office and met the first and second accused persons in the said office. A

search was conducted and one QIC sticker with serial number 4671090 issued to a vehicle

with registration number GT 579-12 in 2017 was found on his table. In the first accused’s

handbag were found Donewell Insurance Company (DIC) stickers with different serial

numbers concealed in a brown envelope with second accused’s name and contact number

written on the envelope. The accused persons were consequently arrested and upon

interrogation, the first accused admitted the offence and disclosed that she had even sold

a sticker to an innocent taxi driver at a cost of GHc100 before the police arrived. According

to her, the said sale of the sticker was done with the assistance of the second and third

accused persons. She further stated that it was the second accused who introduced her to

one Donne, a resident of Accra, in 2018 to supply her with the said fake insurance stickers.

She however failed to lead the police to the said supplier. The suspected fake insurance

stickers retrieved that day were forwarded to the NIC in Accra for examination and

report. On 27