Facts of the case

The plaintiff by the name of Poh Siew Cheng (SPI) is a Singaporean and he has a shoe factory in Singapore. His wife owned a factory in Johor Bahru. Whilst the plaintiff was in his wife's factory in Johor Bahru, he was approached by an American International Assurance Co. Ltd ("AIA") Insurance Agent by the name of Ng See Sun who kept on pestering him to purchase a personal accident policy. The plaintiff informed Ng See Sun that he already had a personal accident insurance cover in Singapore, but despite that, the said Ng See Sun kept on asking the plaintiff to purchase a policy in Malaysia. The first segment of the notes of evidence speak volumes. In its original text, it reads as follows (see page 19 to page 20 of the first segment of the notes of evidence):

"Ng See Sun datang untuk jual polisi tersebut kepada saya. Beliau datang ke tempat saya, kadang menunggu sekali dan selalu beliau suruh saya beli Personal Accident policy daripadanya dan selalu dia suruh saya beli dan akhirnya saya beli.

Sebelum saya beli policy tersebut, saya ada bagitahu Ng See Sun bahawa saya juga ada insuran polisi di Singapura dan jawapan yang diberi oleh beliau adalah pol