Reference: 2984/1996/1

Judgement Details


Date
08/10/2004
Court
CIVIL COURT, FIRST HALL
Judiciary
VALENZIA GEOFFREY
Parties
BARON PAUL ET vs THOS. C SMITH INSURANCE SERVICES LTD
ECLI
N/A
Judgement Type
FINAL JUDGEMENT

Keywords / Summary


Keywords
ASSIKURAZZJONI, DOVER TAL-ASSIGURAT LI JSEMMI KULL FATT LI RAGJONEVOLMENT GHANDU JHOSS LI HU RILEVANTI GHALL-ASSIKURATUR - ASSIKURAZZJONI, FATTI MATERJALI - ASSIKURAZZJONI, META TERZ JGHIN LILL-ASSIGURAT FIL-MILI TAL-PROPOSAL FORM - ASSIKURAZZJONI, UBERRIMA FIDES
Summary
L-obbligu to disclose material information, kien fuq kollox u qabel xejn jinkombi fuq l-assigurat li kien fid-dover li sua sponte u volontarjament ipoggi l-informazzjoni kollha ghad-dispozizzjonitas-socjeta' assikuratrici.

Inoltre meta l-proposal form tigi mimlija mhux mill-proponent, imma minn persuna ohra, din titqies li mliet il-formola ghall-proponent, u mhux ghall-assikuratur. Dinl-persuna titqies bhala l-mandatarju ta' l-assikurat u jekk dana jonqos l-konsegwenzi jbatihom l-assikurat - salv kull rimedju li dan jista' jkollu kontra l-mandatarju tieghu taht il-ligi. Inolre huwa dmir ta' l-assikurat li, qabel ma jiffirma, jaqra sew dak li se jiffirma, u jekk ma jaghmilx hekk, irid ibati l-konsegwenzi tan-negligenza tieghu. Meta jkun hemm skrittura ffirmata minn parti, huprezunt li hu accetta dak kollu li jkun regolat fl-iskrittura.

Dwar x'inhu meqjus bhala materjali, gie ritenut illi "the fact that the proposer has suffered losses (of cars) on previous occasions has been held to be material".

Il-fatt li s-socjeta' assikuratrici tkun accettat il-premium ma jistax jigi interpretat bhala xi abdikazzjoni ghad-dritt ta' l-assikurazzjoni li thassar il-polza jekk jirrizultalha li kien hemm non-disclosure, lanqas ma jista' jinghad li kien hemm ratifika mill-assikurazzjoni meta l-fatti veri kienu injoti ghas-socjeta' assikuratrici.




Operational Programme 1
CONvErGE connected eGovernment


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