What is the test for interpretation of a contractual exclusion clause in a policy of insurance?

Alberta, Canada


The following excerpt is from TransAlta Utilities Corp. v. High Tree Services Ltd., 1992 CanLII 6245 (AB QB):

As a general rule, the approach to be taken in the interpretation of a contractual exclusion clause in a policy of insurance is to construe the language used in a manner favourable to the insured (Excel Cleaning Service v. Indemnity Insurance Co., 1954 CanLII 9 (SCC), [1954] S.C.R. 169).

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