CHU KEUNG FAI and YU WAI HEUNG the co-administrators of the estates of LAI PAK CHUEN deceased and CHU WAH YING deceased v SUCCESS INSURANCE LIMITED

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1. The deceased, Mr. Lai Pak Chuen and Madam Chu Wah Ying, were husband and wife. For many years until 29th July 1978 they had carried on business as hawkers in an old market at Shatin from a fixed pitched grocery stall and also from a mobile vegetable stall. They frequently slept overnight at the grocery stall although they also had a home in the Fo Tan Cottage Area, Fo Tan Road, which was located some distance away in the upper reaches of the Fo Tan Valley, which joined Taipo Road in the vicin