Table of Contents - Insurance Act

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

Insurance Act

[RSBC 1996] CHAPTER 226