Is a policy returned by the insured when the policy is not valid?

Saskatchewan, Canada

The following excerpt is from Bodnarchuk v. Union Marine & General Insurance Company, 1956 CanLII 187 (SK QB):

In Ellis v. London Can. Insur. Co. 1954 CanLII 5 (SCC), [1954] SCR 28, the policy at the request of the insurer was returned by the insured who received a refund of the premium.

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