A pretended insurance founded on an ideal risk, where the assured has no interest in the thing assured.1 Originally, applied to the practice of insuring large sums without having any property on board a vessel: insurance, interest or no interest; and also, of insuring the same goods several times over, - species of gaming without any advantage to commerce." Now extended to all species of insurance. See further INSURANCE, Policy of. See also BETTING; GAME, 2; STAKE-HOLDER. To abandon, relinquish, surrender: said of property, claims, privileges, rights. Waiver. A voluntary relinquishment of some right.3 The intentional relinquishment of a known right.4 A voluntary surrender and relinquishment of a right.5 Implies an election of the party to dispense with something of value, or to forego some advantage which he might at his option have demanded or insisted upon.6 A renunciation of some rule which invalidates a contract, but which, having been introduced for the benefit of the contracting party, may be dispensed with at his pleasure.7 There must be both knowledge of the existence of the right and an intention to relinquish it. The waiver must be supported by an agreement founded upon a valuable consideration, or the act must be such as to estop the party from insisting on the performance of the contract or forfeiture of the condition.8 Waiver is a voluntary relinquishment of some right which, but for such relinquishment, the party would continue to have enjoyed. Voluntary choice, and not mere negligence, is of the essence, though from negli. gence, unexplained, such election may be inferred. Waiver is a question of fact, to be determined from declarations and acts, or from forbearance to act. See KNOWLEDGE, 1. also 64 Ga. 625; 7. Kan. 320; 71 Me. 164; 18 Johns. 128; 19 id. 442; 32 Tex. 533; 39 id. 363; 46 N. Η. 521; 47 Ν. Υ. 1 [Sawyer v. Dodge County Mut. Ins. Co., 37 Wis. 539 124. (1875), Ryan, C. J.: Arnould, Ins. 17. 2 [2 Bl. Com. 460. 3 Kent, 275-78, 369, n, cases. • Wage: stipulated pay. • [Cowdin v. Huff, 10 Ind. 85 (1857), Perkins, J. 11 Bl. Com. 296; 2 Kent, 358. 2O. E. waiven, to set aside, remove, refuse, give over: F. waiver. 3 Stewart v. Crosby, 50 Me. 134 (1863), Davis, J. • Hoxie v. Home Ins. Co., 32 Conn. 40 (1864), Butler, • [Ford v. St. Louis, &c. R. Co., 54 Iowa, 728 (1880), J.; Shaw v. Spencer, 100 Mass. 395 (1868), Foster, J.; Beck, J.; Lang v. Simmons, 64 Wis. 529 (1885). 'South & North Ala. R. Co. v. Falkner, 49 Ga. 118 (1873), upon an act providing that the "wages of laborers and employees" should not be subject to garnishment or attachment. See also McLellan v. Young, 54 Ga. 400 (1875); People v. Remington, 45 Hun, 338 (1887); 1 Bl. Com. 428. 143 id. 374; State v. Churchill, 48 Ark. 445 (1886), cases. • Dawson v. Shillock, 29 Minn. 191 (1882), Dickinson, J.; 33 id. 117. • Warren v. Crane, 50 Mich. 301 (1883), Cooley, J.; State Ins. Co. v. Todd, 83 Pa. 275 (1877); 12 Tex. *102. 'Hare, Contracts, 272. 8 Ripley v. Ætna Ins. Co., 30 N. Y. 164 (1864); Montague v. Massey, 76 Va. 314 (1882). Quigley v. Gorham, 5 Cal. 418 (1855); Snyder v. North Lawrence, 8 Kan. 84 (1871). • [Fishback v. Van Dusen & Co., 33 Minn. 117 (1885), • Allen v. Coates, 29 Minn. 49 (1882); Gen. St. 1878, Mitchell, J. The question was whether a vendor had c. 66, § 310. Contra, 27 id. 507. waived a condition for payment in cash on delivery of 10 Spikes v. Burgess, 65 Wis.431 (1886). Cassoday, J. See 5,000 bushels of wheat, or had made a conditional de-