SIC INSURANCE COMPANY LIMITED vs. KEN KWAME ASAMOAH [2017]DLCA5191

Date	2017-02-09
Suit No.	CIVIL APPEAL NO.HI/167/2016
Citation No.	[2017]DLCA5191

SAMUEL K. MARFUL-SAU J.A (PRESIDING)

IRENE CHARITY LARBI (MRS) J.A

TANKO I.O. AMADU J.A

MAAME SARPONG FOR ESQ. (FOR DEFENDANT/APPELLANT).

EDWARD METTLE NUNOO ESQ. (FOR PLAINTIFF/RESPONDENT).

[2017]DLCA5191
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													<main id="main" class="content" style="min-height: 60rem" >SIC INSURANCE COMPANY LIMITED<o:p></o:p>(DEFENDANT/APPELLANT)<o:p></o:p>vs.<o:p></o:p>KEN KWAME ASAMOAH<o:p></o:p>(PLAINTIFF/RESPONDENT)<o:p></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;
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CIVIL APPEAL NO.HI/167/2016&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:
9TH FEBRUARY, 2017<o:p></o:p>

</div>COUNSEL:<o:p></o:p>MAAME SARPONG FOR ESQ. (FOR
DEFENDANT/APPELLANT).<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">

<p class="MsoListParagraphCxSpLast" style="margin:0in;margin-bottom:.0001pt;
mso-add-space:auto;text-align:justify;border:none;mso-border-bottom-alt:solid windowtext 1.5pt;
padding:0in;mso-padding-alt:0in 0in 1.0pt 0in">EDWARD METTLE NUNOO ESQ.
(FOR PLAINTIFF/RESPONDENT).<o:p></o:p>

</div>CORAM: <o:p></o:p>SAMUEL
K. MARFUL-SAU J.A (PRESIDING), IRENE CHARITY LARBI (MRS) J.A, TANKO I.O. AMADU
J.A<o:p></o:p><div style="mso-element:para-border-div;border-top:solid windowtext 1.5pt;
border-left:none;border-bottom:solid windowtext 1.5pt;border-right:none;
padding:1.0pt 0in 1.0pt 0in">

<p class="MsoNormal" align="center" style="margin-bottom:0in;margin-bottom:.0001pt;
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mso-border-bottom-alt:solid windowtext 1.5pt;padding:0in;mso-padding-alt:1.0pt 0in 1.0pt 0in">JUDGMENT<o:p></o:p>

</div>IRENE CHARITY LARBI (MRS). J.A.<o:p></o:p>(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
These are the
facts of the case; The Plaintiff is a businessman resident in Ghana and the United
States of America (USA). In or about February, 2008, the Plaintiff imported
Chevrolet SSR Sports Car from USA through the Tema Harbour.<o:p></o:p><p class="MsoListParagraphCxSpMiddle" style="margin-top:0in;margin-right:0in;
margin-bottom:0in;margin-left:.75in;margin-bottom:.0001pt;mso-add-space:auto;
text-align:justify;text-indent:-.5in;mso-list:l0 level1 lfo1">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Upon arrival of
the vehicle in the country one Alhaji Iddrisu Yussufu expressed interest in its
purchase with payment to be made at a later date. The Plaintiff parted with
possession of the vehicle to Alhaji Iddrisu Yussufu who registered the vehicle
in his name with the Driver Vehicle and Licensing Authority (DVLA) with
Registration Number GN.8866-Z. However, Alhaji Iddrisu failed to make any
payment for the vehicle. The Plaintiff, therefore retrieved the vehicle from
Alhaji Iddrisu Yussufu.<o:p></o:p><o:p>&nbsp;</o:p><p class="MsoListParagraphCxSpMiddle" style="margin-top:0in;margin-right:0in;
margin-bottom:0in;margin-left:.75in;margin-bottom:.0001pt;mso-add-space:auto;
text-align:justify;text-indent:-.5in;mso-list:l0 level1 lfo1">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On 27th
March 2009, the Plaintiff having recovered possession of the vehicle from
Alhaji Iddrisu Yussufu, took a comprehensive Insurance Policy with the
Defendant to protect the vehicle from any loss or damage at an insured value of
Gh₵116,200.00 and paid Five Thousand Seven Hundred and
Fifty-Nine Ghana Cedis (Gh₵5,759.00) as premium.<o:p></o:p><o:p>&nbsp;</o:p>(4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On 1st
August 2009, armed robbers allegedly seized the vehicle from the Plaintiff’s
wife who made a report to the Police. All efforts of the Police to recover the
vehicle failed to yield any positive result. The Plaintiff reported the loss of
the car to the Defendant and put in a claim for the payment of the insured
value of the vehicle but the Defendant refused to pay.<o:p></o:p><o:p>&nbsp;</o:p>