BAWA INTERNATIONAL (GH) LTD. (PLAINTIFF/APPELLANT) vs. CDH INSURANCE (DEFENDANT/RESPONDENT) [2009]DLCA7750

BAWA INTERNATIONAL (GH) LTD. (PLAINTIFF/APPELLANT) vs. CDH INSURANCE (DEFENDANT/... [2009]DLCA7750

Date	2009-02-12
Suit No.	CIVIL APPEAL NO.: H1/72/08
Citation No.	[2009]DLCA7750

ASARE KORANG J.A. (PRESIDING)

MARIAMA OWUSU J.A.

AYEBI J.A.

MR. KWAME BOAFO AKUFFO FOR PLT’/APPLT’

VERA AYISI (WITH HER RICHARD AMOFA) FOR DEFT’/RESPT’

[2009]DLCA7750
																																						<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" >BAWA
INTERNATIONAL (GH) LTD.<o:p></o:p>(PLAINTIFF/APPELLANT)<o:p></o:p><span lang="EN-GB" style="font-size:12.0pt;
line-height:115%;font-family:&quot;Book Antiqua&quot;,serif;mso-fareast-font-family:&quot;Book Antiqua&quot;;
mso-bidi-font-family:&quot;Book Antiqua&quot;;color:#00B0F0">vs.<o:p></o:p>CDH
INSURANCE<o:p></o:p>(DEFENDANT/RESPONDENT)<o:p></o:p><o:p>&nbsp;</o:p>[COURT
OF APPEAL, ACCRA]<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:0cm 0cm 1.0pt 0cm">

CIVIL
APPEAL NO.:&nbsp; H1/72/08&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; &nbsp; &nbsp;DATE:
12TH FEBRUARY, 2009<o:p></o:p>

</div>COUNSEL:<o:p></o:p>MR.
KWAME BOAFO AKUFFO FOR PLT’/APPLT’<o:p></o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:0cm 0cm 1.0pt 0cm">

VERA
AYISI (WITH HER RICHARD AMOFA) FOR DEFT’/RESPT’<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:0cm 0cm 1.0pt 0cm">

ASARE
KORANG J.A. (PRESIDING), MARIAMA OWUSU J.A. AND AYEBI J.A.<o:p></o:p>

</div><o:p>&nbsp;</o:p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt;
padding:0cm 0cm 1.0pt 0cm">

</div>AYEBI J.A.<o:p></o:p>This case involves a claim for indemnity by the
plaintiff/appellant (hereinafter called plaintiff) on a fire policy she took
with the defendant/respondent on goods described as pharmaceuticals.&nbsp; The facts are in the main straight forward.<o:p></o:p>The plaintiff is a dealer in pharmaceutical
goods.&nbsp; The plaintiff’s warehouse No. MA
222/12 is situated at Mile 7 Alhaji-Accra.&nbsp;
On 18/10/01, plaintiff insured pharmaceutical goods in the said house in
the sum of ¢375,900,000.00 per policy NO. GHO 302J-0081 CDH1/F/01/30049 (01F58)
with defendant respondent (hereinafter called defendant) for one year
duration.&nbsp; On 2/06/03 the sum insured on
the goods was increased at the request of the plaintiff to ¢800,000,000.00,
again for one year.&nbsp; The original policy
No.01F58 was endorsed by the respondent to reflect the increment.&nbsp; Yet again on 24/03/04, the sum insured was
increased and was evidenced by renewal endorsement on the original policy from
¢800m to ¢2 billion for one year.<o:p></o:p>In securing the original policy and the subsequent
endorsements, plaintiff dealt with two agents of the defendant and
verbally.&nbsp;&nbsp; That is to say, the agents
brought him the proposal form, told him the premium payable, took his cheques
to the defendant and brought him the policy.&nbsp;
In similar manner, plaintiff’s Managing Director Eric Kwaku Osafo (PW1)
got his vehicles, an uncompleted hotel project in Kumasi and a house on the
Spintex Road insured.<o:p></o:p>Meanwhile, plaintiff’s Managing Director, PW1 has
partially completed a warehouse at Kwashieman-Sowutuom-Accra.&nbsp; The house is numbered N0S0/B/1619.&nbsp; PW1 verbally requested for a fire policy on
the Sowutuom house through defendant’s agent Kwame Pimpong (PW2) because he
intended to move his pharmaceutical stock at Mile 7, Alhaji into it.&nbsp;&nbsp; Upon that information, defendant issued a
Business premises comprehensive policy No. GH134J0004 commencing 23/06/04 to
22/06/2005 in the personal name of PW1, Eric Kwaku Osafo.<o:p></o:p>Plaintiff indeed moved the stock into the Sowutuom
warehouse.&nbsp; Kwame Pimpong PW2, went to
inspect the stock at the new location.&nbsp;
But then no endorsement was made on policy No. 01F58 to cover the new
location of the goods.<o:p></o:p>As fate will have it, a fire broke out in the
Sowutuom warehouse on 10/07/04.&nbsp; Both the
warehouse and the pharmaceutical products worth ¢2,370,072,000.00 were
damaged.&nbsp; Plaintiff invited Food and
Drugs Board to come and witness the disposal of the damage products and they
were destroyed by Accra Metropolitan Assembly.<o:p></o:p>Plaintiff put in a claim for compensation under
policy No. 01F58 for the pharmaceutical products and the warehouse under policy
No. GH134J50004.&nbsp; Defendant admitted
liability and paid compensation for the warehouse.&nbsp; Defendant however refused to accept any
liability for the pharmaceutical products inspite of the recommendation of the
National Insurance Commission to pay.&nbsp; On
19/10/05, the plaintiff brought this action for:<o:p></o:p>1.