"In relation to contracts of non-marine insurance there are no statutory requirements… prescribing the form of document to be used… indeed even a parol contract of non-marine insurance appear to...
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"A contract of insurance, like any other contract, is created where there has been an unqualified acceptance by one party of an offer made by the other… Where a proposal...
"The premium may be paid by the assured to the insurers or to an insurance agent acting on behalf of the insurers. If the agent has authority to receive it...