89 Minn. 334 | Minn. | 1903
Action to recover for a fire loss on a policy of the standard form issued to the plaintiff by defendant. The defense was a cancellation of the policy before the loss occurred.
The provisions of the policy as to a cancellation thereof, so-far as here material, were these:
“The company also reserves the right after giving written notice to the insured * * * and tendering to the insured a ratable portion of the premium, to cancel this policy as to all risks subsequent to the expiration of ten days from such notice.”
The findings of fact by the trial judge as to the alleged cancel
The plaintiff, by proper assignments of error, raises the question of the sufficiency of the evidence to support the several findings-of fact we have here set forth. The evidence fairly sustains the seventh finding. It is to be noted, however, that this finding states clearly the precise authority of G. B. Shove & Co. and its limitation. They were only authorized to surrender and deliver the policy for cancellation in case the defendant demanded, pursuant to the terms of the policy, such surrender and cancellation. This finding is not susceptible of any other reasonable construction, and, so construed, it is in accordance with the weight of the evidence.
The other findings may be considered together. Reduced to
A policy of insurance can only be cancelled by one of the parties thereto by a strict compliance with its terms as to cancellation, unless such compliance is waived by the other party. 16 Am. & Eng. Enc. (2d Ed.) 873. Now the plaintiff never agreed, or authorized its agents to agree for it, to accept a cancellation of the policy, unless it was made pursuant to the terms of the policy. The question, then, is whether the evidence sustains the finding that the policy, pursuant to its terms and stipulations, was duly cancelled and surrendered to the defendant; that is, by the defendant’s giving written notice to the plaintiff or its agent of its election to cancel the policjq and paying or tendering the amount of the unearned premium. There is no evidence in the record fairly tending to support such finding. The evidence is practically conclusive that the policy was procured for the plaintiff by C. B. Shove & Co'., and delivered to it; that thereafter, at their solicitation, the policy was delivered to them by the plaintiff for the purpose and with the .authority stated in the seventh finding, and that the plaintiff in fact never had any notice of the attempted cancellation of the
It follows that the judgment must be reversed and a new trial granted. So ordered.