In Hanlon v. ING3, the British Columbia Court of Appeal interpreted a landlord and tenant policy that caused damage to a house in Salmon Arm through a marijuana grow operation. The damage included wet, soaked and burned carpets, the removal of bathroom faucets, replaced by blocks of exterior pipes, holes that were drilled into the walls of the bathroom so that they could pass pipes, lifting and soiled wallpaper, lifting square tiles, mold and what the unfortunate owner of the land described as a «strange smell». This is a summary of the insurance company`s key promises, and indicates what is covered. In the insurance agreement, the insurer undertakes to do certain things, such as paying losses for guaranteed risks, providing certain services or defending the insured in liability action. There are two fundamental forms of insurance agreement: insurance is necessary when a dispute arises over whether a particular injury is covered or not. Both the insurance company and the policyholder should be able to determine whether damage is covered from the insurance policy. Although the insurance of the agreements is aimed at resolving these problems, differences of opinion remain on the terms of the insurance agreement. This often results in disputes in which each party presents competing interpretations of the insurance agreement. The insurance policy is generally an integrated contract, that is, it covers all forms related to the agreement between the insured and the insurer.

[2]10 However, in some cases, additional writings, such as letters sent after the final agreement, may make the insurance policy an un integrated contract. [2]:11 An insurance manual states that, as a general rule, «the courts take into account all previous negotiations or agreements … any contractual clause in the policy at the time of delivery, as well as those who then wrote as political riders and notes … With the agreement of both parties, they are part of the written policy. [3] The manual also states that policy must refer to all documents that are part of the policy. [3] Oral agreements are subject to the rule of evidence and cannot be considered part of the directive if the contract appears to be a full right. Promotional materials and flyers are generally not part of a directive. [3] Oral contracts may be entered into until a written policy is issued. [3] Various provisions – Provisions that, together with declaration, insurance, exclusions and conditions, complement the insurance policy. These provisions help to define working methods for the implementation of insurance conditions.

Below is an example of these provisions that are mentioned in the case of automobile insurance – exclusions – These provisions of the policy will set the limits of the coverage commitments mentioned in insurance contracts. These provisions are intended for one or more purposes, including the removal of coverage of (1) coverage for losses caused by certain risks, 2) coverage by other insurance companies, 3) coverage of uninsurable losses. In principle, exclusions are the parts of the insurance contract that limit the scope of coverage and/or list causes and conditions that are not covered. This is an example of frequent exclusions in auto insurance – the contract or insurance contract is a contract by which the insurer promises to pay benefits to the insured or, on his behalf, to third parties if certain defined events occur. Subject to the «Fortuity» principle, the event must be uncertain. The uncertainty may be either when the event will occur (for example. B in life insurance, the date of the insured`s death is uncertain) or whether it will occur (for example. B in fire insurance, whether or not there is a fire).

[4] This page is usually the first part of an insurance policy. It identifies insured persons, risks or assets covered, insurance limits and the insurance period (i.e. the date the policy is in effect). In addition, Section 30 of the Financial Administration Act9 adopted the Insurance and