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CCQ-1991 - Civil Code of Québec

Section 2405
Disposition versions

Full text
2405. In non-marine insurance, changes to the contract made by the parties are evidenced by riders attached to the policy.
However, any rider stipulating a reduction of the insurer’s liability or an increase in the insured’s obligations, other than an increased premium, has no effect unless the policyholder consents to the change in writing.
Where such a change is made upon renewal of the contract, the insurer shall indicate it clearly to the insured in a separate document from the rider which stipulates it. The change is presumed to be accepted by the insured 30 days after receipt of the document.
1991, c. 64, a. 2405; I.N. 2014-05-01.
2405. In non-marine insurance, changes to the contract made by the parties are evidenced by riders attached to the policy.
Any rider stipulating a reduction of the insurer’s liability or an increase in the insured’s obligations, other than an increased premium, has no effect unless the policyholder consents to the change in writing.
Where such a change is made upon renewal of the contract, the insurer shall indicate it clearly to the insured in a separate document from the rider which stipulates it. The change is presumed to be accepted by the insured 30 days after receipt of the document.
1991, c. 64, a. 2405.
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