1961, 1 SCRA 704 FACTS:  Ang Ka Yu had a piece of property in his possession. He insured it with Phoenix.  The property was lost, so Ang Ka Yu sought to claim the proceeds.  Phoenix denied liability on the ground that Ang was not the owner but a mere possessor and as [...]

1986, 1 SCRA 1 FACTS: Harvardian is a family corporation, the stockholders of which are Ildefonso Yap, Virginia King Yap and their children.Prior to Aug. 9, 1979, an agent of Country Bankers proposed to Harvardian to insure its school building. Although at first reluctant, Harvardian agreed.Country Banks sent an inspector to inspect the school building [...]

G.R.No. 113899, 13 October 1999, 316 SCRA 677 FACTS: There was an existing group life insurance executed between Great Pacific Life Assurance (Grepalife) and the Development Bank of the Philippines (DBP). Grepalife agreed to insure the lives of eligible housing loan mortgagors of DBP. In November 1983, Wilfredo Leuterio, mortgagor of DBP applied to be [...]

G.R. No. 124520, 18 August 1997, 277 SCRA 690 FACTS: Spouses Nilo Cha and Stella Uy-Cha, as lessees, entered into a lease contract with CKS Development Corporation, as lessor, on 5 October 1988. One of the stipulations of the 1 year lease contract states that "The LESSEE shall not insure against fire the chattels, merchandise, [...]

G.R. No. 168402, 6 August 2008 FACTS: MSAS Cargo International Limited and/or Associated and/or Subsidiary Companies (MSAS) procured an “all-risk” marine insurance policy from ICNA UK Limited of London for its cargo, consisting of wooden work tools and workbenches purchased by consignee Science Teaching Improvement Project (STIP) which was later on received by Aboitiz and [...]

G.R. No. 150094, 18 August 18 2004, 437 SCRA 50 FACTS: Shipper SMITHKLINE USA delivered to carrier Burlington Air Express, an agent of herein petitioner, a cargo shipment, insured with respondent which consist of 109 cartons of veterinary biological for delivery to consignee SMITHKLINE and French Overseas Company in Makati City with the words, “REFRIGERATE [...]

G.R. No. 132607,5 May 1999, 306 SCRA 762 FACTS: William Lines, Inc. brought its vessel M/V Manila City to the Cebu Shipyard and Engineering Works, Inc (CSEW) in Lapulapu City for annual dry-docking and repair. Subject vessel was insured with Prudential Guarantee for P45,000,000.00 for hull and machinery. The Hull Policy included an “Additional Perils” [...]

G.R. No. 81026, 3 April 1990, 184 SCRA 54 FACTS: Pan Malayan filed a complaint for damages with the RTC of Makati against private respondents Erlinda Fabie and her driver. It insured a Mitsubishi Colt Lancer car registered in the name of Canlubang. Due to the carelessness, recklessness, and imprudence of the unknown driver of [...]

G.R. No. L-67835, 12 October 1987, 165 SCRA 536 FACTS: June 7, 1981: Malayan insurance co., inc. (MICO) issued to Coronacion Pinca, Fire Insurance Policy for her property effective July 22, 1981, until July 22, 1982. On October 15,1981, MICO allegedly cancelled the policy for non-payment, of the premium and sent the corresponding notice to [...]

G.R. No. L-52756, 12 October 1987, 154 SCRA 650 FACTS: Petitioner insured its Mercedes Benz 4-door sedan with respondent insurance company . The insured vehicle was bumped and damaged by a truck owned by San Miguel Corporation (SMC). For the damage caused, respondent company paid petitioner ₱ 5,000.00 in amicable settlement. Petitioner’s general manager executed [...]