[2003] UGHC 94

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\mwrapIndent1440\mintLim0\mnaryLim1}{\info{\title THE REPUBLIC OF UGANDA }{\author Administrator}{\operator skivumbi}{\creatim\yr2010\mo3\dy17\hr10\min47}{\revtim\yr2010\mo6\dy11\hr9\min54}{\version4}{\edmins8}{\nofpages4}{\nofwords1231}{\nofchars6045} {\nofcharsws7262}{\vern32859}}{\*\xmlnstbl {\xmlns1 http://schemas.microsoft.com/office/word/2003/wordml}}\paperw12240\paperh15840\margl1440\margr1440\margt1440\margb1440\gutter0\ltrsect \widowctrl\ftnbj\aenddoc\trackmoves1\trackformatting1\donotembedsysfont0\relyonvml0\donotembedlingdata1\grfdocevents0\validatexml0\showplaceholdtext0\ignoremixedcontent0\saveinvalidxml0\showxmlerrors0\noxlattoyen \expshrtn\noultrlspc\dntblnsbdb\nospaceforul\formshade\horzdoc\dgmargin\dghspace180\dgvspace180\dghorigin1440\dgvorigin1440\dghshow1\dgvshow1 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(}{\pntxta )}}\pard\plain \ltrpar\s15\qc \li0\ri0\sb100\sa240\sbauto1\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid7555470 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 THE REPUBLIC OF UGANDA \line IN THE H}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 IGH COURT OF UGANDA AT MBARARA \par }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid8591848\charrsid7555470 HCT-05-CV-CS-0039-2001 }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid7555470 \par }\pard \ltrpar\s15\ql \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid7555470 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 SAFDAR ALI}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 ZAIDI \line t/a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 MBARARA SILK HOUSE \'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85PLAINTIFF \par }\pard \ltrpar\s15\qc \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid7555470 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 VERSUS \par }\pard \ltrpar\s15\ql \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid7555470 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 1. UNITED ASSURANCE CO. LTD.) \line 2. CHARLES }{ \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470\charrsid7555470 BYAMUKAMA)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 \'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85 \'85.. DEFENDANT \par }\pard \ltrpar\s15\ql \li0\ri0\sb100\sa240\sbauto1\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid7555470 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 BEFORE: }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid8591848\charrsid7555470 THE HON. JUSTICE P. K. MUGAMBA }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid7555470 \par }\pard \ltrpar\s15\qc \li0\ri0\sb100\sa240\sbauto1\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid7555470 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\ul\insrsid8591848\charrsid7555470 JUDGMENT}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid7555470 \par }\pard \ltrpar\s15\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid7555470 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 The plaintiff brings this suit against the two defendants }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 seeking the following reliefs: \par }\pard \ltrpar\s15\qj \li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\ipgp1\pararsid7555470 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 (a) A declaration that the defendants }{ \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470\charrsid7555470 are in breach of the contract. \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 (b) An order that the defendants pay the plaintiff Shs. 25,597,700/= with interest thereon at the rate of 30 per centum per annum from the }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 1st }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 day }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470\charrsid7555470 of May 2000 till full payment. \par (c) General damages arising. \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 (d) Any other or further relief this honourable court may d}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470\charrsid7555470 eem fit and appropriate. \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 (e) Costs of the suit with interest thereon at court rate from the date }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470\charrsid7555470 of taxation till full payment. \par }\pard \ltrpar\s15\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid7555470 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 A memorandum of agreed facts was executed by both parties showing that a contract of insurance did indeed exist between the pl aintiff and the first defendant. It was further agreed that burglary did occur at the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470\charrsid7555470 plaintiff\rquote s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 premises and that merchandise worth Shs. 25,597,700/ was stolen. Also agreed was the fact that the plaintiff submitted a claim to the first defendant who refused to pay the plaintiff\rquote s claim. The memorandum was admitted in evidence as exhibit P 1. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 \par }\pard \ltrpar\s15\qj \li0\ri0\sb100\sa240\sbauto1\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid7555470 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 The story behind this case is not complicated. The first defendant is an insurance company while the second defendant was Branch Manager of the first defendant in Mbarara. During December 1999 the plaintiff, a businessman ca}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5469079 rrying on business at Plot 36/3}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 8 High Street Mbarara, insured merchandise worth Shs. 42,025,875/= with the first defendant. The insurance was against burglary and was for the span of one year. The transaction took place in the defendant\rquote s Mbarara office and was executed by the } {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 2nd}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 defendant on 18th December 1999. On }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \insrsid7555470 21s}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 t }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 December 1999 the plaintiff left Mbarara for Pakistan and did not return to Mbarara until 1st May 2000 when he discovered his premises had been broken into and his merchandise stolen. Upon making claim to the first defendant for payment of Shs. 25.597,700/= in consequence of the burglary the first defendant denied liability saying the plaintiff had breached a condition of the insurance contract. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 Hence this suit. \par }\pard \ltrpar\s15\ql \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid7555470 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 The}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 following issues were agreed: \par }\pard \ltrpar\s15\ql \li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\ipgp1\pararsid7555470 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 1. Whether the burglary p olicy was limited to Shs. 10,000,000/= only. \line 2. Whether the second defendant was put in charge of the premises. \line 3. Whether the plaintiff contravened any clause of the burglary policy. \line 4. Whether the defendants were in breach of contract. \line 5. Whether the plaintiff is entitled to recover what he lost through the burglary. \line 6. Whether the plaintiff is entitled to recover any general damages. \line 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 . Who bears costs of the suit? \par }\pard \ltrpar\s15\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid7555470 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5469079 \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 I have already indicated that it is common ground that a contract of insurance subsisted. In cross-examina}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 tion PW1 testified as follows: \par }\pard \ltrpar\s15\qj \li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\ipgp1\pararsid7555470 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 \lquote For this claim I depend on a fresh insurance policy. I did not fill another form although the value changed as the stock was Shs. 42,025,875/. That was the amount }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 insured against burglary----\rquote . \par }\pard \ltrpar\s15\qj \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid7555470 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 On the other hand in cross-ex}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 amination DW1 had this to say: \par }\pard \ltrpar\s15\qj \li720\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\ipgp1\pararsid7555470 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 \lquote I did not bring new proposal forms concerning the renewal of the second contract. We just give renewal notices inviting the client to renew his policy. He agreed by bringing money in cash. I discusse d with the client to see what he could afford. That is how we arrived at the limit of Shs. 10,000,000/=. He said if we were to insure according to what was in the shop the p}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 remium would be too high----. \rquote \par }\pard \ltrpar\s15\qj \li0\ri0\sb100\sa240\sbauto1\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid7555470 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 The first issue concerns whether the burglary p}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5469079 olicy was limited to Shs. 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 0,000,000/ as testified by DW1 or to the value of the stock in the premises at the time of insurance as the plaintiff stated. In evidence the plaintiff tendered in as exhibit. Exhibit P II showing the stock in the shop to have b}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 een worth Shs. 42,025,875/}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 =. Strangely none of the parties to the suit tendered in evidence exhibit of the insurance policy. While the policy may not be the contract it is written evidence of it. A court will regard it as containing the expressed intention s of the parties in the absence of proof to the contrary. In the policy will be all the terms necessary for the contract, including the name, address and occupation of the insured, the subject matter of the insurance and the scope of the risk, the period o f insurance, the premium and the amount for which the risk is insured. In the absence of evidence on the matter it is not clear whether the burglary policy was limited to Shs. 10,000,000/= or not. It behoves the plaintiff to produce the required proof. Se e}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 : }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 Sections 10}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 0 and 101 of the Evidence Act. \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 The second issue is whether the second defendant was put in charge of the premises. While the plaintiff says he did, the second defendant denies this fact. There is also evidence that one A. Byamukama was the o ne actually left in charge of the premises at the time the plaintiff left Mbarara. While it is common ground that upon the return of the plaintiff the second defendant handed over keys to the premises to the plaintiff there is no evidence that the second defendant was left in char}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 ge of the premises. I so find. \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 Concerning the third issue, the first defendant denied liability on account of the plaintiff having breached policy condition 3 (a) which stated that the policy shall cease to attach if the premises shall have been left uninhabited by day and night for seven or more consecutive days and nights. It is not disputed that the premises were left uninhabited beyond the period stipulated. In his submission the plaintiff states that no evidence of such condi t ion in the contract was brought in evidence by the first defendant. He stated that such a clause did not exist. I have already indicated that both parties relied on a contract of insurance which was not produced in evidence. In the absence of terms of the contract it is hard to say whether the plaintiff contravened any clause of the burglary policy. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 The fourth issue is whether the defendants were in breach of contract. It is alleged by the plaintiff that the defendants breached the contract of insurance . I have noted earlier on that because no insurance policy was produced in evidence by either party there is no way of ascertaining the terms of the transaction. In this respect particularly the plaintiff should have in line with sections 100 and 101 of t he Evidence Act availed to court particulars of the contract he sought to rely on. In the circumstances I cannot say whether the defendan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 ts were in breach of contract. \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 As to whether the plaintiff is entitled to recover what he lost through the burglary, my answer would be in the negative. This is because the policy of insurance is uncertain regarding its terms. On evidence available I do not find the s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 econd defendant liable either. \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 With regard to the sixth issue I do not credit the evidence adduced as compelling for general damages. I would answ}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 er this issue in the negative. \par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 All in all I would dismiss this suit}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 with costs to the defendants. \par }\pard \ltrpar\s15\qc \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid7555470 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470\charrsid8146100 P. K. Mugamba \par Judge \par }\pard \ltrpar\s15\ql \li0\ri0\sb100\sa240\sbauto1\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid7555470 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470 28th}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 August 2003 \line Mr. Ngaruye for plaintiff \line Mr. Bazaare for defendant \line Ms Tushemereirwe court clerk \line }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid8591848\charrsid7555470 Court: }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848\charrsid7555470 \line Judgment read in court. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8591848 \par }\pard \ltrpar\s15\qc \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\ipgp1\pararsid7555470 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7555470\charrsid8146100 P. K. 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