This archived statute consolidation is current to November 30, 2009 and includes changes enacted and in force by that date. For the most current information, click here.
This Act has "Not in Force" sections. See the Table of Legislative Changes.

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

Copyright (c) Queen's Printer, Victoria, British Columbia, Canada