Ndambuki & 2 others (Suing as the Officials of Machakos Matatu Owners Association) & 35 others v Commissioner of Insurance & 11 others; Association of Kenya Insurers (AKI) & 7 others (Interested Parties) (Constitutional Petition E019 of 2024) [2025] KEHC 15548 (KLR) (29 October 2025) (Ruling)