ELOK & Sons Ltd, a Sekondi-Takoradi-based jewellery company, has dragged Donewell Insurance Ltd to the High Court in Sekondi, accusing the insurer of breaching a fire and burglary insurance contract following the theft of its jewellery stock.
In a writ of summons and statement of claim filed before the High Court, the plaintiff alleges that it had taken out a Combined Fire and Burglary Insurance Policy with Donewell Insurance in August 2025 after the insurer inspected its premises and stock.
According to the suit, officials of Donewell Insurance assessed the company’s stock and, based on prevailing world market prices at the time, valued it at US$3 million.
ELOK & Sons said it subsequently paid a premium of US$4,266, as required by the insurer, and was issued with Policy No. DIL/CC/FBC/06250007.
The plaintiff contends that on September 1, 2025 burglars broke into its shop and made away with its entire stock of jewellery.
It said it immediately notified Donewell Insurance via email and later furnished the company with a police investigative report on September 26, 2025.
However, ELOK & Sons claims that the insurer delayed processing the claim, alleging that an investigator identified only as Hammond visited the premises on September 13 and again on October 14, 2025 to ask questions and take photographs.
The jewellery firm further alleges that after weeks without communication, its manager visited Donewell Insurance’s Takoradi office to complain about what it described as the company’s “lethargic” handling of the matter, after which it was provided with a claims form to complete.
According to the statement of claim, Donewell Insurance later requested additional information in a letter dated November 5, 2025.
ELOK & Sons, through its lawyers, allegedly objected to the requests, describing them as unreasonable and contrary to the terms of the insurance contract.
The company claims that despite a series of meetings and exchanges of correspondence, it became apparent that Donewell Insurance had no intention of honouring its obligations under the policy.
Consequently, ELOK & Sons has commenced legal action against Donewell Insurance Ltd, seeking damages for what it describes as a breach of the insurance contract.
The case is expected to come before the High Court in Sekondi for hearing.
Donewell Insurance has been served with the writ and are yet to file a response to the claims at the time of filing of filing this report.
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