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Rule of interpreting similar insurance policies consistently

A further rule of interpretation of insurance policies that may be applied to resolve ambiguity is that similar policies should be given similar interpretations:
 
Courts should also strive to ensure that similar insurance policies are construed consistently... 
(Progressive Homes Ltd. v. Lombard General Insurance Co. of Canada, 2010 SCC 33 at para. 22-24, citations omitted).
 
This rule is designed to increase predictability as to the meaning of certain types of policies i.e. interpretation of contracts involves questions of fact and depends on the wording of the particular policy and so courts are not necessarily bound by earlier court rulings on similar policies, but it increases predictability if ambiguities in similar policies are dealt with in similar ways by courts in different cases, and so this is encouraged.

 

 
This book was written by Michael Dew, a Vancouver lawyer who practices civil litigation, including representing persons who have been denied coverage under property insurance policies, or liability insurance policies. If you have been denied insurance coverage and require assistance with making a claim against your insurer call Michael at 604 895 3160.