p. 93.— 2 Pardessus, 79.— C0, Com

rs un contrat commer.

nature un contrat com.

elle est contractée pour

trafic, sauf l'exception

Assurance Ter., n° 19, 20 «t

nce company is a commer-

Appts assured the life of ble to him, if he should live ency of the risk. The policy ed respondent to profits ani “ the policy was issued by A the application which is per ra À They offerel to as rejected at enquête, They ejected. The Court thinks he bod verbal evidence. This is & Brodie, M., 16 juin 1876,

ne opération commeriaux, et par les règles t qu’elles peuvent s'y ces statuts.

es d'assurance mutuelle,

and the margin,

Jurisp.— An insurance note is not a promissory note, falling within the commercial code, The indorser is an ordinary caution soliduire.— Montreal Mutual Insurance Co, vs Dufresne, M. C, R,, 55.

2472. Toute personne capable de contracter pu prendre une assurance sur des objets dans lesquels elle a un intérêt et qui sont exposés À quelque risque.

Suprà, art. 2468,— Pothier, Asa, 10 et 45.—2 Pardessus, 692.— 1 Phillips, pp. 10 ot 26, ec, 3, 8, 1,

2478. Les choses corporelles et celles qui ne le sont pas, de même que la vie humaine et la santé, peuvent ôtre l’objet d’un contrat d'assurance.

Pothier, Ass, 26 (contrà, quant à l'assurance sur la vic).— 2 Pardessus, Dr, Com., 589 ot 590.— Marshall, Zna., 208.— Suprà, art, 2470,

2474. Une personne a un intérêt susceptible d'assurance dans la chose à assurer dans tous les cas où elle peut souffrir un dommage direct et immédiat par la perte ou détérioration de cette chose.

1 Arnould, 281.— 1 Phillips, 27,

Jurisp.—1. Un transport même notarié d’une hypothèque en raison de laquelle on a effectué une assurance, ne détruit pas l’assurance existant alors; une contre-lettre du cessionnaire sous seing privé constatant que le transport n'était que nominal.— The Montreal Ins, Co, & McGillivray, VIII L, C. R., 401.

9, A person Who insures as agent for another, cannot sue for indemnity in his own name as principal. If a consignee sues for indemnity under a policy eflected in his own name, upon goods belonging to another and consigned to him he must show an insurable interest in such goods to entitle him to recover, an çan only recover the amount in which he shows himself to be so interested. The possession of the bill of lading is primé facie evidence of proprietorship;s but it is insufficient to constitute an insurable intorest in the consignes, if it be shewn «ltunde that he his not the proprietor of the goods, To entitle a consignee of gooûs lost or damaged in transitu to recover under a policy taken out upon them in his own name, he must shew pecuniary and appreciable interest in «ch goods arising from a lien upon them; which lien may be for advances in respect of them for a general balance, or otherwise, But however it may be created, it must attach specifically upon the goods covered by the policy.— Cusack vs The Mutual Insurance Company of Buffalo, VI L, C. J., 97.

3, The deposit by the insured of bills of sale and documents requisite for showing ownership of a vessel with the collector of Customs, for registration, is suflicient to give an insurable interest, though actual rogistration be not made till after the destruction of the vessel by fire, If this be not so, the insured may fall back upon any anterior title registered, from which he can deduce insurable interest. One of two trustees, part owners, can insure a vessel.— Moore vs Theo Home Ins. Co., XIV L. C. J., 77.

4 À bond fide equitable interest in property of which the legal title appears to be in another may be insured, provide“ there be no false aflirmation, representation or concealment on the part of the insurod, who is not obliged to represent the particular interest he has at the time, unless inquiry be made by the insurer, Such insurable interest in property of which the insured is in actual possession may be proved by verbal testimony.— Whyte vs The Home Insurance Co., XIV L, C. J., 301.

5, Although A. is merely the agent of B., in obtaining from C. an advance of money on certain goods, yet, if he renders himself liable to B. for any loss which might arise after the sale of the goods, he has an insurable interest in the goods, and can therefore legally insure them in his own name to the full extent of the loan.— O'Connor vs Imperial Insurance Co., XIV L, C. J., 219,

6, Un créancier chirographaire n’a pas d'intérêt assurable dans le fonds de magasin de son débiteur, et ne peut tenir une assurance contre le feu sur icelui. Hunt vs Home Ins, Co. III R, L,, 455.

7. In the caso of an insurance of a number of barrels of oil, purchase] by the insured, but not actually identified and separated from other barrols of oil contained in the building in which the oil was stored, tho insurol has, novertheless, an insurable interest as proprietor in the property sol, À verdict of a jury In favor of the insurance company based on à charge of to judge that the property in the oil did not, under the circumstances, pass to tho insured, will be set aside and a new trial granted.— Mathewson & Tho Royal Insurance Co., XVI L, C, J., 45. L

8. Goods held under a duly endorsed warehouse receipt, as collateral security for advances, may be properly and legally insured as being the property of tle holder of such receipt, being the party who made the advances.—In an action for the recovery of the insurance of said goods, it is sufticient to establish that goods of the character and brand and of the quantity claimed were actually in the building where the goods were atored, at the time of the insurance, and at the timo the building and its contents were wholly burnt, without proving tlo actual identification of the goods described in the warehouse receipt.—\'ilson & Tho Citizen Insurance Co,, XIX L, C, J.. 175,

9, Le 4 juin 1867 Huston, nanti de deux certificats d'emmagasinago signés par Wm Middleton & Co. de la quantité de 310 quarts d'huile de charbon, transporta cette huile aux Appts comme sûreté additionnelle de billets peus ssoires au montant de $4000, Les Appts firent assurer cette huile an sureau de l’Intimée pour trois mois. Le 18 août 1867 les magasins de Midilleton brûlèrent et l'huile fut consumée. Action sur short risk receipt pour $215$, valeur de l'huile assurée, Défense: 1° les Appts avaient assuré comme propriétaires lorsqu'ils n'avaient qu’un intérêt précaire; 2° assurance nulle parce que les mur. house receipta étaient faux, plusieurs reçus ayant été donnés pour la même huile, L'action fat déboutée sur ce que les Appts n'avaient pas déclaré quel interét ik avaient dans l'huile. La loi qui autoriso des prêts sur warehouse receipts déclare ceux qui en sont porteurs propriétaires des objets y mentionnés. Le jugt doit être infirmé.— Wilson & The Citizens I, & 1. Co., M., 15 février 1875,

10, À colourable lease made to an individual for the purpose of constituting him a warehouseman, upon whose receipts the goods assured would be dealt with, does not affect tho risk and void the perny of an insurance upon certain

don trust or on consignment,— Lan

R. L., 47, (Cons. P.)

goods assured, whether their on PrOperiy he

cashire Ins, Co. & Chapman, V

2475. L'intérêt assuré doit exister au temps de la perte de la chose, à moins que la police ne contienne une stipulation de bonnes ou mauvaises nouvelles.

Cette règle souffre exception quant à l'assurance sur la vie.

Arnould, 285.— 2 Phillips, 27.

2476. L'assurance peut être stipulée contre toutes pertes prove. nant d'accidents inévitables ou de force majeure, ou d'événements sur lesquels l'assuré n’a pas de contrôle, sauf les règles générales relatives aux contrats illégaux et contraires aux bonnes mœurs,

2 Pardessus, 591.— Marshall, Prel, dise, p, 1.— Phillips, 157, e. 10.— Code civil B. C., art. 1068.— Alauzet, Ass, c. 9, pp. 299 et suiv.

2477. L'assureur peut lui-même prendre une réassurance, et l'assuré peut aussi assurer la solvabilité de son assureur.

2 Valin, Ord. AL, art. 20, p. 65.— Le Guidon de la Mer, ce, 2, art. 19 et 20.—5 Pardessus, n° 767.— Angell, Life and Fire 1ne., Pr, View, 84 24, 25, 83 et 84.—lar. sons, Mere. Law, 514,— Marshull, 137 et suiv.

247%. Dans les cas de perte, l'assuré doit sous un délai raieonnable en donner avis à l'assureur, et il doit se conformer aux condi-

barrels of oil, purchasol arated from other barrols | was stored, the insurl in the property sold, À based on à charge of the cireumatances, pass to tho = Mathowson & Theo Royal

ceipt, as collateral security s being the property of tlie e advances.—In an action suflicient to establish that y claimed were actually in » of the insurance, and at surnt, without proving the jarchouse receipt.—\W'ilson

ats d'ommagasinage signés quarts d'huile de charbon, , additionnelle de billets ent assurer cette huile au les magasins de Midileton ak receipt pour $215$, valeur assuré comme propriétaires ice nulle parce que les war lonnés pour la même huile, pas déclaré quel interét ik ur warehouse receipts déclare mentionnés. Le jugt doit 15 février 1875.

the purpose of constituting xs assured would be dealt Fan insurance upon certain at or on consignment.— Lane »

temps de la perte de la estipulation de bonnes

rance sur la vie.

tre toutes pertes prove:

jeure, ou d'événements uf les règles générales aux bonnes mœurs.

Ilips, 157, ce. 10.— Ci de civil re une réassurance, et on assureur.

Mer, e, 2, art. 19 et 20.—5 eu, 44 24, 25, 83 et E4.—Par

it sous un délai raison se conformer aux condi-

tions spéciales contenues dans la police relativement à l'avis et à la reuve préliminaire de sa réclamation, à moins que l'assureur ne ‘en dispense.

S'il est impossible pour l'assuré de donner l'avis et de faire la preuve préliminaire dans le délai spécifié en la police, il a droit à une prolongation de délai raisonnable,

Jurisp.—1. Under the clause or condition in policies of insuruuce, that in caso of any dispute between the parties it shall be referred to arbitration, the courts are not ousted of their jurisdiction, nor can they compel the parties to submit to a reference in the progress of the suit. If a condition referred to in a policy of insurance against fire, Le in the event of loss and before payment thereof, a certificate to be procured under the hand of a magistrate or sworn notary of the city or district, importing that they are acquainted with the character and circumstances of the person insured, and do know or verily believe that they have really and by misfortune, without fraud, sustained by fire loss and damage to the amount therein mentioned, such certificate is a condition recedent to a recovery of any loss, against the insurers, on the ‘policy, And if a certificate be procured, in which a knowledge and beliof as to the amount of loss is omitted, it will be insufficient.— Scott vs Phœnix Assurance Company, Stuart's Rep., 354,

9, Le délai porté dans les règlements d’une compagnie d'assurance,paur notifier

et déclarer l'incendie et ses circonstances à la compagnie, n’est pas, dans toutes les circonstances, un terme fatal et tellement de rigueur, que, faute de remplir àla minute cette condition, l'assuré doive perdre pour toujours tout recours, - Dillvs La Compagnie d'Assurance de Québec, I R, de L,, 113, 8, The condition usually endorsed on policies of insurance respecting double insurance, Will be held to be waived on the part ofthe company, if their agent, on being notified of such double insurance after the fire,makes no specific objection to the claim of the assured on that ground.— Atwell vs The Western Assurance Company, I L. OC. J,, 278,

4, In the case of a policy of insurance granting permission, in the body thercof, to insure elsowhere, on giving notice to that end to the directors of tho company, in order that the second insurance might be endorsed on the policy, and requiring by the by-laws of the company printed on the back of the policy, that such notice be given and such second insurance endorsed on the policy à peine de nullité ;—-Held that a notice of such second insurance given after tho fire, and, as a consequence, not endorsed on the policy, is suflicient.— Soupras vs The Mutual Fire Insurance Company &c., I É. C, J., 197.

5, Under a clause in a policy of insurance, that if there appear fraud in the claim made to a loss, or false swearing or aflirmation in support thereof, the claimant shall forfeit all benefit under such poliey ; the Court will reject the claim of the policy-holder, if the company establish that the claim is unjust and fraudulent, and far in excess of the actual loss to the knowledge of the policyholder.— Grenier vs Monarch Fire and Life Ins. Co., III L, C. J,, 100,

6, À condition in a policy that no action can be brought for the recovery of the loss, after the expiration of six months from the occurrence of the fire, is imperative as a bar to an action instituted after that period. Wilson vs State Fire Ins, Co., VII L, C, J., 228.

7. Une police d’assurance contenait, entre autres conditions, que l'assuré devra en cas de fou faire une réclamation en détail et sous serment de ses pertes, et que si telle réclamation est mensongère, il ne pourra rien recouvrer en vertu de la police. La propriété assurée fut détruite par le feu, et l'assuré fit une réclamation exagérée et mensongère.—Jugé que l'assuré avait forfait tout bénéfice résultant de la police.— Seghotti vs Queen Ins, Co., X L, C, J., 243,

$. In an action for a fire insurance policy for $1000, the defendant pleaded fraud and false statement and that plaintiff did not give notice and statement of his loss, as required by the stipulations of his policy, and the jury found that there was no fraud or false statement ; but in answer to the eight questions as to whether notice and information were given to the defendant and claim filed, they answered : “ We consider the claim made but not in due form.”—Held, reversing decision of the Court below, (III C, E. J., 128) that, as the defondant had not pleaded to the form of the claim or objected thereto, these words should be struck out from the answer of the jury and could not affect the plaintif right to recover.— Wiggins & The Queen Ins. Co., XIII L. C. J., 141,

9, When a company absolutely repudiates the insurance effected by the deposit receipt, and when the policy has not issued, the right of action accrue at once, and there is no necessity of giving the preliminary notices and confor. ming to the delay and other conditions precedent in case of loss indorsed upon the company’s policies.— Goodwin & Lancashire F, & L, Ins. Co., XVIII EL, (.

Na la 10. The preliminary proofs under a fire policy made after the 15 days, within which the condition endorsed thereon required the same to be furnished, are suficient, and specially so when the condition states after the provision as tothe 15 days, that until such proofs are made no right of action shall accrue — Lafarge vs The Liverpool, London &e. Ins. Co., XVII L,. C, J.,237. (En Kév.) 11. Une compagnie d'assurance veut se prévaloir de ce que l'assuré n’a pas donné avis de l'incendie dans les délais requis par la police :— Jugé que si, lors. qu'elle a refusé de payer, la compagnie n’a pas objecté aux informalités conte. nues dans l'avis, cela constitue une renonciation (wairer) de sa part à son droit d'obtenir un avis dans une autre forme ou plus circonstancié.— Garceau vs Niagara Mutual Ins. Co., III Q. L. R., 337.

12. Where it is impossible for the assured to give a detailed statement under oath of his less, supported by books and vouchers, owing to their being burnt the condition of the policy requiring such statement will be satisfied by his giving aflidavits as to the value of the property lost.— Perry vs The Niagara District Mutual Fire Insurance Co., XXI EL. C. J., 257. ro 13. Dans le cas d’une assurance effectuée sur reçu (short risk receipt) et sans police, l'avis d’une seconde assurance donné après le feu seulement, mais en temps utile pour que les deux assurances contribuent aux dommages, est suit. sant. Dans le cas de tellè assurance les conditions spéciales contenues aux polices ordinairement émanées ne s'appliquent pas.— Lafleur & L'Assurance des Citoyens, XXII L, C. J., 247.

2479. L'assurance se divise, relativement à son objet et à | nature des risques, en trois espèces principales :