A telephone travel insurance application followed by a written confirmation satisfies Statutory Condition 2.
The insured renewed a travel insurance policy by telephone, providing answers about medical conditions.
After hospitalization, the insurer denied the claim due to alleged misrepresentation.
The insured's estate argued that the insurer could not rely on oral statements, asserting that Statutory Condition 2 of the Insurance Act required written statements.
The court dismissed the application, holding that the insurer's practice of providing a written application for review and correction after the telephone interview satisfied the statutory requirement and the consumer protection objectives of the Insurance Act.
Estate of Donald Farb v. Manufacturers Life Insurance Company et al., 2020 ONSC 3037