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Reference: 1639/1994/1
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Judgement Details
Date
26/10/2001
Court
CIVIL COURT, FIRST HALL
Judiciary
SCICLUNA DAVID
Parties
PARNIS ALFRED ET vs FAVA STEPHEN ET NOE
ECLI
N/A
Judgement Type
FINAL JUDGEMENT
Linked Case
PARNIS ALFRED ET vs FAVA STEPHEN ET NOE - 1639/1994/1 - CIVIL COURT, FIRST HALL, MALTA
Keywords / Summary
Keywords
ASSIKURAZZJONI, BASIS OF CONTRACT CLAUSE - ASSIKURAZZJONI, DOVER TAL-ASSIGURAT LI JSEMMI KULL FATT LI RAGJONEVOLMENT GHANDU JHOSS LI HU RILEVANTI GHALL-ASSIKURATUR - ASSIKURAZZJONI, FATTI MATERJALI - ASSIKURAZZJONI, UBERRIMA FIDES
Summary
Il-kuntratt ta' assikurazzjoni hu meqjus bhala wiehed tal-aqwa bona fede, u l-proponent ghandu jaghti risposta cara dwar dettalji li jigu mistoqsija lilu espressament fil-proposal forms; anzi hu generalment ritenut li l-proponent hu fid-dmir li jsemmi kull fatt li ragjonevolment ghandu jhoss li hurilevanti ghall-assikuratur li jkun jaf, u dan anke' jekk ma jkunx mistoqsi.
Huwa dmir tal-assikurat li jikxef lill-assikuratur kull cirkostanzi relevanti ghall-kaz u, in partikolari, billi jwiegeb korrettament ghal kull domanda li jkun hemm registrata fil-polza. In oltre, meta fil-polza jkun hemm klawsola maghrufa bhala "Basis of Contract Clause", tinkorpora r-risposti tal-assigurat fil-polza innifisha. Risposta zbaljata lil kwalsijasi risposta ta` dan it-tip tkun fatali ghall-kwalsijasi claim tal-assigurat, minkejja li hu jkun wiegeb il-mistoqsijiet in buona fede u skond l-ahjar gharfien tieghu, jew jekk it-twegibiet tieghu kienux jirrigwardaw fatt materjali jew le.
Kull fatt materjali ghandu jigi mikxuf, anke jekk ma jkunx mistoqsi u, ghalhekk, il-fatt li r-risposti kienkitibhom l-agent tad-ditta assiguratrici minn rajh mhix raguni valida ghal non disclosure.
Huwa materjali dak kollu li jista` jinfluwenza l-gudizzju ta` assiguratur prudenti fid-determinazzjonijekk hux ser jasssumi r-riskju u jekk iva liema premium ser jitlob u taht liema kondizzjonijiet.
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