SIC INSURANCE COMPANY LTD vs. KEN KWAME ASAMOAH [2018]DLSC3694

Date	2018-11-21
Suit No.	CIVIL APPEAL NO. J4/49/2018
Citation No.	[2018]DLSC3694

ADINYIRA (MRS) JSC (PRESIDING)

YEBOAH JSC

BAFFOE-BONNIE JSC

APPAU JSC

PWAMANG JSC

D. K. NYAMEKOR FOR THE PLAINTIFF/RESPONDENT/APPELLANT.

BRIGHT OKYERE ADJEKUM FOR THE DEFENDANT/APPELLANT/RESPONDENT

[2018]DLSC3694
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													<main id="main" class="content" style="min-height: 60rem" >SIC INSURANCE COMPANY LTD<o:p></o:p>vs.<o:p></o:p>KEN KWAME ASAMOAH<o:p></o:p>[SUPREME
COURT, ACCRA]<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">

CIVIL
APPEAL NO. J4/49/2018&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: 21ST
NOVEMBER, 2018&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;
<o:p></o:p>

</div>COUNSEL:<o:p></o:p>D. K.&nbsp;
NYAMEKOR FOR THE PLAINTIFF/RESPONDENT/APPELLANT.<span lang="EN-GB" style="font-size:12.0pt;
line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:
Tahoma"><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">

BRIGHT OKYERE ADJEKUM FOR THE
DEFENDANT/APPELLANT/RESPONDENT.<o:p></o:p>

</div>CORAM:<o:p></o:p>ADINYIRA (MRS) JSC (PRESIDING), YEBOAH JSC,
BAFFOE-BONNIE JSC, APPAU JSC, PWAMANG JSC<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:6.0pt;text-align:center;
border:none;mso-border-top-alt:solid windowtext 1.5pt;mso-border-bottom-alt:
solid windowtext 1.5pt;padding:0in;mso-padding-alt:1.0pt 0in 1.0pt 0in">JUDGEMENT<o:p></o:p>

</div>BAFFOE-BONNIE, JSC:-<o:p></o:p>&nbsp;In this
judgment, the plaintiff/respondent/appellant shall be referred to as the
appellant, whist the defendant/appellant/respondent, is referred to as the
respondent.<o:p></o:p>The appellant initiated these proceedings at the
High Court against the respondent for,<o:p></o:p><span lang="EN-GB" style="font-size:12.0pt;line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;
mso-fareast-font-family:&quot;Book Antiqua&quot;;mso-bidi-font-family:&quot;Book Antiqua&quot;">a.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Recovery
of GHC116,200.00 being the insured/claim/replacement cost in Chevrolet No. GN
8866 Z, lost under comprehensive insurance policy NO.P/200/10/1001/2009/134
with the defendant.<o:p></o:p><span lang="EN-GB" style="font-size:12.0pt;line-height:115%;font-family:&quot;Book Antiqua&quot;,&quot;serif&quot;;
mso-fareast-font-family:&quot;Book Antiqua&quot;;mso-bidi-font-family:&quot;Book Antiqua&quot;">b.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Interest
on the said sum of GHC116,200.00 from April 2010, till date of payment at the
commercial bank rate. <o:p></o:p>The facts of this case are fairly simple and admit
of little controversy. The appellant imported a Chevrolet SSR Sport Car,
(hereafter, The Car) into the country from the USA, and took delivery of same
from the Tema Harbour in 2008. He initially entered into a purchase agreement
with one, Alhaji Iddrisu Yusif who took possession and was supposed to pay for
same later. The Alhaji took a Third Party Insurance Cover but the appellant
later repossessed the vehicle since the Alhaji had failed to pay for same. The
appellant then took a Comprehensive Insurance Policy to cover the car. The sum
assured under the policy was GHC116,200.00 and the agreed premium was
GHC5,759.00. <o:p></o:p>While the policy was subsisting, the Car was
snatched from the wife of the appellant. The appellant put in a claim for the
sum assured in terms of the policy which covered the incident. The respondent
sought to repudiate his liability on several grounds. In an amended statement
of defence, defendant pleaded that , the appellant initially transferred the
vehicle to Alhaji Yusif who took a third party insurance cover, and later
transferred same to one Derrick Asante Amoako, who in turn transferred same to
EB ACCION SAVINGS AND LOANS COMPANY LIMITED, on 30/10/2009. All these
transactions were supposed to be existing at the time that the appellant
purported to take his comprehensive insurance cover. In effect, it was the case
of the respondent that, the appellant did not have an insurable interest in the
car. The respondent also contended that, the appellant had inflated the value
of the vehicle far in excess of the value declared at the port of taking
delivery of the vehicle because of which he paid a lower custom duty thereby
perpetrating fraud on the state, so the contract should&nbsp; be annulled. He counterclaimed as follows<o:p></o:p><span lang="EN-GB" style="font-size:12.0pt;line-height:115%;font-family:
&quot;Book Antiqua&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Book Antiqua&quot;;mso-bidi-font-family:
&quot;Book Antiqua&quot;">a.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
A declaration that the Defendant is entitled to
avoid the contract of Insurance entered into between the plaintiff and
Defendants in respect of Chevrolet SSR Sports Car with registration no. GN 8866
Z covering the period 27th March, 2009 to March 2010, on the grounds
of non-disclosure of material fact or representation of fact which was false in
some material particular<o:p></o:p><span lang="EN-GB" style="font-size:12.0pt;line-height:115%;font-family:
&quot;Book Antiqua&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Book Antiqua&quot;;mso-bidi-font-family:
&quot;Book Antiqua&quot;">b.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;