Which of the following statements about Statutory Conditions is false?

Statutory conditions are standardized rules and obligations set out in the Insurance Act that apply to all automobile insurance policies in Ontario. These conditions are designed to protect both parties in an insurance contract and provide a clear framework for the coverage and responsibilities mandated by law.

The statement that statutory conditions can be changed at the request of the insured is false. Statutory conditions are not negotiable; they are established by legislation and apply uniformly to all insureds regardless of individual requests. While insurers and insureds may agree on certain terms and conditions of the policy itself, the statutory conditions remain in place and cannot be altered at will.

In contrast, the other statements are accurate. Statutory conditions do indeed apply to every Ontario automobile insurance policy and come into effect whenever a binder (temporary coverage until a policy is fully underwritten) is issued. Additionally, statuary conditions are specific to automobile insurance and do not extend to habitational policies, which is why that statement is also true.