BRAIMAH vs. ROYAL EXCHANGE ASSURANCE [1971]DLCA2098

Date	1971-06-29
Suit No.
Citation No.	[1971]DLCA2098

SIRIBOE J.S.C.

SOWAH JA

ARCHER J.A.

E. O. APPIAH FOR THE APPELLANT.

JAMES QUASHIE-IDUN FOR THE RESPONDENT.

[1971]DLCA2098
																																						<div class="restriction-wrapper">
														<div class="container-lg">
															<div class="row">
																<div class="col-md-12 restricted-content">
																	<div class="restricted-content-img-wrapper">
																		<div class="lock-icon bounce-7">
																			<img class=""
																				src="https://www.dennislawgh.com/dl-assets/dl-images/lock-content.png"
																				alt="Subscription based content">
																		</div>
																	</div>
																	 
																		<a href="https://www.dennislawgh.com/login"
																		class="btn btn-primary btn-lg"
																		style="font-family: 'open sans'; text-transform: capitalize; border-radius: 8px"> 
																		Login to Read Full Case </a>
																	 
																	
																</div>
															</div>
														</div>
													</div>
													<main id="main" class="content" style="min-height: 60rem" >BRAIMAH <o:p></o:p>vs. <o:p></o:p>ROYAL EXCHANGE ASSURANCE <o:p></o:p>[COURT OF APPEAL]<o:p></o:p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[1971] 2 GLR 340<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:
29 JUNE 1971.<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 APPELLANT.<o:p></o:p>

JAMES
QUASHIE-IDUN FOR THE RESPONDENT.<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">

SIRIBOE J.S.C., SOWAH AND ARCHER JJ.A.<o:p></o:p>

</div><o:p>&nbsp;</o:p>JUDGMENT OF ARCHER J.A.<o:p></o:p>Archer
J.A. delivered the judgment of the court. The facts in this appeal are briefly
as follows: The appellant who was the owner of a Volkswagen motor car
registered as NG 619 entered into a contract of insurance with the respondents,
Royal Exchange Assurance, whereby a policy No. PM 28974/GH dated 22 February
1961 was issued to cover the appellant’s vehicle for a period of twelve months
commencing from 26 October 1960 and ending on 25 October 1961. The value of the
car as stated in the policy was £G560.<o:p></o:p><o:p>&nbsp;</o:p>On 31
October 1960, that is, five days after the effective date of the policy, the
appellant’s car was involved in an accident and the car was damaged. On the
same day, the appellant gave notice to R. T. Briscoe (Ghana) Ltd., Tamale, as
agents for the respondents, and later on 2 November 1960, R. T. Briscoe (Ghana)
Ltd. towed the motor vehicle to their workshop at Tamale. Perhaps, it must be
pointed out at this stage that apart from being agents for the respondents in
purely insurance matters and business, R. T. Briscoe (Ghana) Ltd. also
independently carried on their own business as repairers. This dual role of R.
T. Briscoe (Ghana) Ltd. as insurers and repairers must be emphasized for a
proper appreciation of the facts.<o:p></o:p><o:p>&nbsp;</o:p>On 4
April 1961 when the motor vehicle had not been returned to him the appellant
issued a specially endorsed writ of summons against the respondents claiming
“damages for the respondents’ breach of contract and/or negligence in and
around the performance of the respondents’ obligation under and in virtue of a
contract of insurance.” <o:p></o:p>No
specified amount was endorsed on the writ although a form of specially endorsed
writ was issued. However, the writ was accompanied by a statement of claim
paragraphs (1) to (6) of which were admitted by the respondents but paragraphs
(7) and (8) of which were denied.<o:p></o:p><o:p>&nbsp;</o:p>Paragraphs
(7) and (8) read:<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">“(7) By
the joint effect of section 1 of the said contract of insurance and condition
four of the conditions in the said contract of insurance contained the
defendants are under an obligation to repair, reinstate or replace the said
motor car No. NG 619 or pay in cash the value of the same and it is an implied
term of the said contract of insurance that the said obligation to repair,
reinstate or replace the said motor car or its value to pay and on the part of
the defendants to be performed will be performed within a reasonable time.<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">(8) The
defendants have up to now failed or have unreasonably delayed to repair,
reinstate, replace or pay the value of the said motor car as they are bound to
do in breach of their obligation in that behalf and in the said contract of
insurance contained.”<o:p></o:p><o:p>&nbsp;</o:p>In the
particulars of da</main>