What basis, if at all, is the insurer bound to cover the 21-year-old?

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An insurance broker grants cover for motor insurance to a 21-year-old proposer. However, the broker’s authority is restricted to only granting cover to drivers aged 23 years and over.

What basis, if at all, is the insurer bound to cover the 21-year-old?
A . Agency by estoppel.
B . Apparent authority.
C . Implied actual authority.
D . The insurer is not bound.

Answer: B