SALAMI V. STATE INSURANCE CORPORATION

APALOO J.A.: After hearing argument on 2 May 1967, we dismissed the appeal in this suit and indicated that we would set out our reasons later on. This we now proceed to do.

The appellant, who described himself as a trader, was in January 1963, minded of insuring his stock-in-trade in his wholesale premises situate at ZE 1 and 2 Plot 7, South Zongo, Kumasi. Accordingly, on 9 January of that year, he filled a printed proposal form of the defendant corporation. The answers to the questions on the proposal form were stated to be the basis of the contract and were said to be incorporated in any contract eventually entered into between the appellant and the corporation. One of the questions to which the appellant gave an affirmative answer in the proposal form was, whether a night watchman would be employed at the premises sought to be insured. On the basis of the answers, the corporation issued in favour of the appellant, a policy of insurance and in consideration of the premium, insured t…