What is the effect of a municipality's by-laws on the renewal of a policy of purchase and use of a vehicle insurance policy?

British Columbia, Canada


The following excerpt is from Carlyle v. Elite Insurance Company, 1984 CanLII 674 (BC SC):

The by-laws which affect the cost of replacement in this case were in effect at the time this policy was renewed. As Murphy J. said [p. 468n] in McCoy v. North Empire Fire Ins. Co., [1918] 1 W.W.R. 468n: "… all persons in a municipality whether permanent residents or not are bound to take notice of its by-laws".

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