23. In Cunningham v. Wheeler (1994), 1994 CanLII 120 (SCC), 88 B.C.L.R. (2d) 273 at 298 (S.C.C.) McLachlin J. accepted that an indemnity payment is one which is intended to compensate the insured in whole or in part for a pecuniary loss and that a non-indemnity payment is the payment of a previously determined amount upon proof of a specified event, whether or not there has been a pecuniary loss.
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