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According to ccq 2405 changes to the contract made by the parties are evidenced by riders attached to the policy. Furthermore any rider stipulating a reduction of the insurer"s liability or an increase in the insured"s obligations, other than an increased premium, has no effect unless the policyholder consents to the change in writing. John did not consent to any change in writing. Ccq 2399 indicates that the amount of coverage will be set out in the policy. Ccq 2400 also indicates that the insurer shall remit the policy to the client, together with a copy of any application made in writing by the client or on his behalf. Furthermore in the case of discrepancy between policy and the application, the latter prevails unless the insurer has, in a separate document, indicated the particulars in respect of which there is discrepancy to the client.

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