NANA NKANSAH BOADU AYEBOAFO
V.
STATE INSURANCE COMPANY LTD

(2018) JELR 65674 (HC)    
High Court  ·  CM/TINS/00009/16 ·  12 Jul 2018 ·  Ghana
CORAM
JUSTICE JENNIFER A. DODOO (MRS)
Core Terms Beta
defendant
plaintiff
cheques
court
valuation report
collapse of the building
insurance policy
defendant company
tenancy agreement
bills of quantities
exhibit a
storey building
sum insured
premium of gh
plaintiff’s case
copy of the government report
cross-examination
exhibits
good time
occurrence of the loss
proof of the value of the collapsed building
statement of claim
following information
insured sum
learned authors
payment of the insured sum
payment of the premiums
policy number p
said premium
witness statement
appellant’s state
book understanding insurance law
date of final payment
evidence shows
following disclosures
following reliefs
further amendment
huge amounts of outstanding premiums
insurance claim
insurance policy contract number p
insurers promise
mental state
particular case
recovery of the sum of gh
representative’s witness statement
respect of the said building
said sum
validity of legal proof

The Plaintiff claimed against the Defendant the following reliefs:

The recovery of the sum of GH¢850,000.00 being the sum insured under an insurance policy contract number P/101/20/2002/15 duly entered into between the Plaintiff and the Defendant sometime in February 2012.

Interest on the said sum at the current commercial rate from October 2013 to the date of final payment.

Damages for breach of contract.

Costs, inclusive of Solicitor’s fees assessed at 15% of the sum insured.

The Plaintiff in his Statement of Claim contended that in February 2012, he had insured his 6 storey building situate, lying and being at Achimota with the Defendant. The sum insured was GH¢850,000.00 with a premium of GH¢4,355.00. According to the Plaintiff, the Defendant had issued him with policy number P/101/20/2002.2012/15 in respect of the said building.

It was the Plaintiff’s case that sometime on 7th November 2012, the risk insured occurred when the property insured collapsed. However, when he made a claim on…

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