Canadian Underwriter


IIBC – Policy Warranties & Conditions: RCV vs. ACV

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by Insurance Institute of BC
March 14, 2018
Insurance Institute of BC | #1110 - 800 W. Pender Street | Vancouver | BC | V6C 2V6


Insurance should provide peace of mind, but what happens when there is a condition or warranty breach or a dispute of values? Join our legal professionals as they explore factors that affect claims payouts: “unjust & unreasonable” policy conditions and replacement cost vs. actual cash values.

Previous court rulings will be used to demonstrate how conditions and warranties can protect an insurer’s risk exposure and when it cannot.



  • Recognize the purpose of conditions & warranties
  • Review relevant sections of the Insurance Act related to treating breaches of conditions & warranties
  • Understand requirements for relief from forfeiture
  • Define ACV and compare it to other valuations
  • Explain RCV qualifiers and 3rd party quantifiers


SEMINAR PRESENTERS ~ from Bilkey Law Corportaion

David Bilkey, Q.C., Partner
David is an industry leader with a reputation for innovation in the delivery of service to insurers and their insureds. He is an experienced trial and appellate counsel, having argued more than 200 court cases. David has published numerous articles on insurance law. In his spare time, David is a professor of insurance law at the Thompson Rivers University Law School.

Charlotte Manning, Associate
Originally from Vancouver Island, Charlotte graduated as a member of the inaugural class of Thompson Rivers University Law, and knew early on that insurance law was her passion. Charlotte has experience in both provincial as well as Supreme Court matters with a particular interest in developing her practice in equine insurance related issues.

Blair Driedger, Associate
Blair joined Bilkey Law as a summer student in 2012 and now enjoys the diverse insurance litigation practice in his capacity as an associate. Blair has appeared in both provincial and supreme court and has a keen interest in developing an insurance practice in cyber and sports law. He earned his Juris Doctor at Thompson Rivers University in 2014.

Number of Continuing Education Credits: 
 3 Technical

Registration Deadline: Monday, March 12

Fees (GST included):
$125 Insurance Institute Members
New Members: Insurance Institute Members required, $80, expires May 31, 2019

Time: 8:45am – 12:00pm

The price for this seminar includes coffee service, light snacks and GST.


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