Bennett, Donovan v Advantage General Insurance Co Ltd

Insurance-Motor vehicle insurance-Claim for indemnity-Policy covers loss due to theft-Vehicle stolen-Vehicle parked at time stolen-Vehicle parked by a driver to whom restriction in policy applies-Whether unauthorized person was driving vehicle or had it in his charge for the purpose of driving at the time vehicle stolen-Whether liability excluded by terms of policy-Incorporation of proposal into contract-Whether insurer-Whether insurer justified in refusing to honour claim for indemnity