Wash the rice thoroughly in several changes of water until the water runs clear. Drain and set aside.
Blend the crushed tomatoes, tomato paste, red bell pepper, onion, habanero peppers (if using), garlic, and ginger in a blender or food processor until smooth.
In a large pot or Dutch oven, heat the vegetable oil over medium heat.
Add the blended tomato mixture to the hot oil and cook for 15-20 minutes, stirring frequently, until the oil begins to separate from the tomato mixture.
Add the chicken broth or water, bay leaves, thyme, and curry powder to the pot. Stir well to combine.
Bring the mixture to a boil, then reduce heat to low, cover, and simmer for 15 minutes.
Add the washed rice to the pot and stir gently to combine.
Taste the broth and adjust seasoning with salt and pepper.
Cover the pot tightly and cook on low heat for 20-25 minutes, or until the rice is tender and the liquid has been absorbed. Do not stir the rice during this time.
Once cooked, gently fluff the rice with a fork. Serve hot with your choice of protein (chicken, beef, fish) and sides.