Ramco (UK) Ltd. v International Insurance Company of Hanover
Decision date: 27 May 2004
Neutral citation: [2004] EWCA Civ 675
Court: Court of Appeal (Civil Division)
Insurance classification confidence: high
Overall AI summary confidence: medium
Short overview
A short description of the case, material issue, and outcome where supported by the judgment.
AI confidence in this overview: medium
This appeal concerned construction of an "all-risks" policy wording which covered "property ... the property of the Insured or held by the Insured in trust for which the Insured is responsible", and whether that wording limited cover of goods held by a bailee to those losses for which the bailee was liable to the owner. The judge had held for the insurers on that point, and the Court of Appeal dismissed the appeal with costs and refused leave to appeal to the House of Lords.
Ratio decidendi
The legal reasoning necessary to the outcome, where it can safely be identified from the judgment.
AI confidence in this ratio summary: medium
The judgment supports the conclusion that, on the policy wording in question, recovery by a bailee requires proof of liability to the owner for the loss or damage to the bailed goods.
Obiter dicta
Judicial observations that were not necessary to the outcome, where they can safely be identified.
AI confidence in this obiter summary: low
No clear obiter dicta can safely be identified from the judgment.
Warning
The automated summary was prepared from selected parts of a longer judgment; consult the original decision for the complete reasoning. The middle of the judgment was omitted from the judgment, which may omit material reasoning and factual detail relevant to the court's analysis.