BUKARI vs. NORWICH FIRE INSURANCE SOCIETY LTD. [1966]DLHC1668

Date	1966-06-21
Suit No.
Citation No.	[1966]DLHC1668

CHARLES J.

E. O. APPIAH FOR THE PLAINTIFF.

BOB ANANE FOR THE DEFENDANTS.

[1966]DLHC1668
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													<main id="main" class="content" style="min-height: 60rem" >BUKARI <o:p></o:p>vs. <o:p></o:p>NORWICH FIRE INSURANCE SOCIETY LTD. <o:p></o:p>[HIGH COURT, TAMALE]<o:p></o:p>[1966] GLR 525<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:0in 0in 1.0pt 0in">

DATE:
21 JUNE 1966.<o:p></o:p>

</div>COUNSEL:&nbsp;&nbsp; <o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:0in 0in 0in 0in">

E. O. APPIAH FOR THE PLAINTIFF.<o:p></o:p>

BOB ANANE FOR THE DEFENDANTS.<o:p></o:p>

</div>CORAM:
<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:0in 0in 0in 0in">

CHARLES J.<o:p></o:p>

</div><o:p>&nbsp;</o:p>JUDGMENT OF CHARLES J.<o:p></o:p>The
plaintiff’s claim is for:<o:p></o:p><p class="MsoNormal" style="margin-top:0in;margin-right:0in;margin-bottom:5.0pt;
margin-left:.5in;text-align:justify;mso-pagination:none;border:none;mso-padding-alt:
31.0pt 31.0pt 31.0pt 31.0pt;mso-border-shadow:yes">“(1) A
declaration that the judgment dated 1 June 1965 obtained by the plaintiff
against Iddrisu Teaore for the sum of £G3,500 0s. 0d. (¢8,400.00) and £G105
costs (¢252.00) in an action in the High Court of Ghana, Tamale, entitled Mama
Bukari v. Iddrisu Teaore No. 65/1964 was in respect of a liability required to
be covered by a policy of insurance or a security under the Motor Vehicles
(Third Party Insurance) Act, 1958. <o:p></o:p><p class="MsoNormal" style="margin-top:0in;margin-right:0in;margin-bottom:5.0pt;
margin-left:.5in;text-align:justify;mso-pagination:none;border:none;mso-padding-alt:
31.0pt 31.0pt 31.0pt 31.0pt;mso-border-shadow:yes">(2) A
declaration that by the joint effect of the provisions of a policy of insurance
bearing number 77/BM4099 and a certificate of insurance with number 4099 issued
by the defendants in favour of the said Iddrisu Teaore for the period 29 August
1962 to 28 August 1963 and the provisions of the Motor Vehicles (Third Party
Insurance) Act, 1958, the defendants are liable to pay to or to the
satisfaction of the plaintiff the sum of £G3,605 (¢8,652.00) being the sum
payable under the said judgment including costs. <o:p></o:p><p class="MsoNormal" style="margin-top:0in;margin-right:0in;margin-bottom:5.0pt;
margin-left:.5in;text-align:justify;mso-pagination:none;border:none;mso-padding-alt:
31.0pt 31.0pt 31.0pt 31.0pt;mso-border-shadow:yes">(3) The
said sum of £G3,605.00 (¢8,652.00) with interest thereon at the rate of five
per centum per annum.”<o:p></o:p><o:p>&nbsp;</o:p>This
action arises out of a motor accident on 16 August 1963 in which the plaintiff
sued Iddrisu Teaore in the High Court, Tamale, and obtained judgment on 1 June
1965 for £G3,500 being damages awarded to him for personal injuries suffered by
him as a result of the accident with costs assessed at £G105. At the material
time of the accident Iddrisu Teaore was issued with a policy of insurance by
the defendants in respect of motor vehicle No. AS 3541 under which the
defendants undertook to indemnify Iddrisu Teaore against claims and costs which
Iddrisu Teaore might have been legally liable to pay in respect of injuries
caused by or arising out of the use of the said motor vehicle in compliance
with the provisions of the Motor Vehicles (Third Party Insurance) Act, 1958,1
(hereinafter referred to as the Act). The facts in this case are not in
dispute. The sole issue in this case is whether the plaintiff can invoke the
provisions of section 10 (1) of the Act and thereby obtain an order from this
court to compel the defendants to satisfy the judgment and costs awarded to him
against Iddrisu Teaore.<o:p></o:p><o:p>&nbsp;</o:p>It
therefore behoves me to consider the relevant sections of the Motor Vehicles
(Third Party Insurance) Act, 1958, to decide this issue. Section 6 (1) reads as
follows:<o:p></o:p><p class="MsoNormal" style="margin-top:0in;margin-right:0in;margin-bottom:5.0pt;
margin-left:.5in;text-align:justify;mso-pagination:none;border:none;mso-padding-alt:
31.0pt 31.0pt 31.0pt 31.0pt;mso-border-shadow:yes">&nbsp;“6. (1) A policy of insurance for the purposes
of this Act must be a policy which— <o:p></o:p><p class="MsoNormal" style="margin-top:0in;margin-right:0in;margin-bottom:5.0pt;
margin-left:.5in;text-align:justify;mso-pagination:none;border:none;mso-padding-alt:
31.0pt 31.0pt 31.0pt 31.0pt;mso-border-shadow:yes">(a) Is
issued by an insurer approved by the Minister; and <o:p></o:p><p class="MsoNormal" style="margin-top:0in;margin-right:0in;margin-bottom:5.0pt;
margin-left:.5in;text-align:justify;mso-pagination:none;border:none;mso-padding-alt:
31.0pt 31.0pt 31.0pt 31.0pt;mso-border-shadow:yes">(b)
insures such persons or classes of person as may be specified in the policy in
respect of any liability which may be incurred by him or them in respect of the
death of or bodily injury to any person caused by or arising out of the use of
a motor vehicle covered by the policy: Provided that such policy shall not be
required to cover—<o:p></o:p><p class="MsoNormal" style="margin-top:0in;margin-right:0in;margin-bottom:5.0pt;
margin-left:.5in;text-align:justify;mso-pagination:none;border:none;mso-padding-alt:
31.0pt 31.0pt 31.0pt 31.0pt;mso-border-shadow:yes">(a)
liability in respect of the death arising out of and in the course of his
employment of a person in the employment of a person insured by the policy or
of bodily injury sustained by such a person arising out of and in the course of
his employment; or <o:p></o:p>