SALAMI vs. STATE INSURANCE CORPORATION

JUDGMENT OF SOWAH J. The plaintiff on 9 January 1963 filled in a proposal form for the insurance of his goods in his wholesale warehouse on plot 7, South Zongo, Kumasi. The answers to the questions on the proposal form were clearly stated to be the basis of the contract and the same were incorporated in the policy, number BB 325028, dated 9 January 1963. On the night of 6 March 1963, barely two months after the contract of insurance had been entered into, it was alleged that thieves broke into the assured’s premises and removed large quantities of cotton material. The thieves must have been on the premises for several hours, and must have carried the goods away in a vehicle. It is of interest to note that no one on the premises heard anything of the burglary, though part of the premises were occupied by tenants and the police were not able to find any finger prints. The police however found that the lock was broken. Amongst the questions on the proposal form were the following: .....