What obligations are placed upon an insurer that receives a written application for fire insurance? (Your answer should include provincial differences, if any.)
Answer:
When an insurer receives a written application for fire insurance, any policy the insurer inssues must reflect that application, unless the insurer points out in writing how it differs from the application.
In the common law provinces, the insured may reject the policy within two weeks of receiving the notification. If the insured does nothing within that time, the insurer can assume the insured has accepted that policy.
In Quebec, the insurer is required to include a copy the application with the policy. However, there is no specified time by which an insured must reject a policy.
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