Insurance Act

[RSBC 1996] CHAPTER 226

Contents
Section
Part 1 — Definitions, Interpretation and Application of Act
 1 Definitions and interpretation
 2 Application to insurers and contracts
Part 2 — General Provisions
 3 Application of Part
 4 Contract not avoided by default of insurer under Act
 5 Contracts deemed to be made in British Columbia
 6 Gaming or wagering contracts avoided
 7 Indemnity recoverable
 8 Contents of policy
 9 Appraisals
 10 Court may relieve against forfeiture
 11 Waiver of term or condition
 12 Effect of terms of contract not set out in policy
 13 Misrepresentation and nondisclosure
 14 Effect of delivery of policy or premium receipt
 15 How premiums may be paid or refunded
 16 Payment of refund to assignee
 17 Effect of unpaid cheque or note for premium
 18 Unpaid premium deductible from indemnity
 19 Time for payment of claims
 20 Claims payable in Canadian money and in British Columbia
 21 Right of entry after loss
 22 Limitation of actions
 23 Payment by insurer into court
 24 When third person has right of action against insurer
 25 Insurer to furnish copy of application and form for claim
 26 Trafficking
 27 Liability of continuing insurer
 28 Effect on contracts of violation of law
Part 3 — Life Insurance
 29 Definitions
 30 Application of Part
 31 Group insurance
 32 Documents required for contract
 33 Exceptions
 34 Contents of group policy
 35 Contents of group certificate
 36 Insurable interest
 37 Insurable interest defined
 38 Contract taking effect
 39 Payment
 40 Who pays
 41 Duty to disclose
 42 Exceptions
 43 Nondisclosure by insurer
 44 Exceptions
 45 Misstatement of age in group insurance
 46 Effect of suicide on contract
 47 Exceptions
 48 Designation of beneficiary
 49 Designation of beneficiary irrevocable
 50 Designation in invalid will
 51 Trustee for beneficiary
 52 Beneficiary predeceasing life insured
 53 Right to sue
 54 Insurance money free from creditors
 55 Insured dealing with contract
 56 Insured entitled to dividends
 57 Transfer of ownership
 58 Interest of assignee and effect on beneficiary's rights
 59 Group life insured enforcing rights
 60 Capacity of infants
 61 Capacity of infant beneficiary
 62 Proof of claim
 63 Payment
 64 Action in British Columbia
 65 Limitation of action
 66 Documents affecting title
 67 Declaration as to sufficiency of proof
 68 Court may make order
 69 Stay of proceedings
 70 Power of court
 71 Payment into court
 72 Simultaneous deaths
 73 Insurance money payable in installments
 74 Insurer holding insurance money
 75 Court may order payment
 76 Costs
 77 Minors
 78 Beneficiary under disability
 79 Presumption against agency
 80 Insurer giving information
Part 4 — Accident and Sickness Insurance
 81 Definitions
 82 Application of Part
 83 Group insurance
 84 Issue of policy
 85 Exceptions
 86 Contents of group policy
 87 Contents of group certificate
 88 Exceptions or reductions
 89 Statutory conditions
 90 Omission or variation of conditions
 91 Notice of statutory conditions
 92 Unpaid renewal premium
 93 Unpaid premium
 94 Insurable interest
 95 Lack of insurable interest
 96 Capacity of minors
 97 Duty to disclose
 98 Incontestability
 99 Application of incontestability to reinstatement
 100 Pre-existing conditions
 101 Misstatement of age
 102 Designation of beneficiary
 103 Personal representative
 104 Death of beneficiary
 105 Trustee for beneficiary
 106 Documents affecting title and assignment
 107 Insurance money exempt from seizure
 108 Group person insured enforcing rights
 109 Simultaneous deaths
 110 Payment into court
 111 Minors
 112 Beneficiary under disability
 113 Payments not exceeding $2 000
 114 Place of payment
 115 Action in British Columbia
 116 Insurer giving information
 117 Undue prominence
 118 Presumption against agency
Part 5 — Fire Insurance
 119 Application of Part
 120 Coverage by fire insurer
 121 Renewal of contract
 122 Perils insured against
 123 Contents of policy
 124 Effect of making application
 125 Cancellation by insurer
 126 Effect of statutory conditions
 127 Several policies
 128 Stamped words on contract
 129 Unjust exclusions
 130 Subrogation
 131 Provisions for protection of insurance agents in respect of their commissions
Part 6
 132–188 Repealed
Part 7 — Miscellaneous Classes and Subclasses of Insurance
 189 Livestock insurance
 189.1 Home warranty insurance
 189.2 Interpretation for purposes of deposit protection contracts
 189.3 Deposit protection contracts
 189.4 How deposit protection contract affected by parties
 189.5 Insurer to furnish copy of deposit protection contract and form for claim
 189.6 Contents of deposit protection contract
Part 8 — Administration
 190 Appeal to superintendent by insured on adjustment charges
 191 Immunities
 192 Power to make regulations
 193 Repealed
 194 Violation of Act an offence
 195 Limitation period
 196 Court order to comply
Schedule

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