Appeal from a judgment by the court sitting without a jury, in favor of Glen Falls, saying Mr. Siddoway was not covered by an insurance policy allegedly issued by Glens Falls to insure hay against loss by fire. Affirmed with costs to Glens Falls.

Siddoway urges on appeal that (1) there was an oral contract for such insurance, which was made binding by one Dearden, claimed to be Glens Falls agent, who (2) had actual and/or (3) apparent authority to act as such and in any event Glens Falls (4) ratified such policy, which (5) was enforceable because of public policy.

If the facts do not disclose a contract certain, each of the five points on appeal of necessity is without merit. We believe and hold, that the findings of the trial court reasonably are supported by competent, substantial evidence chosen from the somewhat confusing and disputed facts, and as affected by the provisions in our Insurance Code.1 Such facts as are necessary to arrive at the conclusion of this court and that of the trial court fairly may be abstracted as follows:

Siddoway is a farmer who stacked some hay. He sought out one Dearden, an insurance agent licensed by two companies that did not issue fire insurance on hay unless extended the luxury of writing all the other insurance of Siddoway or anyone else. Dearden was not licensed by Glens Falls. On Friday, August 27, he presumed to try and acquire the desired insurance in the amount of $7,000 through one Kemp, owner of defendant, Western. Kemp was an agent for Glens Falls. Dearden did not specify any company that he intended would write the insurance, but left it to Kemp to acquire the insurance from some company with whom he had connections, but assumed it would be Glens Falls, which Kemp told him wrote hay insurance. Sid-doway didn’t care who wrote it and didn’t know anything about Glens Falls. Dearden said the hay vvould be covered as of the 27th. Dearden did nothing over the weekend until Monday, August 30. On that day, at noon, Siddoway’s hay went up in smoke. This event came to Dearden’s attention, and immediately thereafter he wrote Kemp a quickie letter advising that he had told Sid-doway that “we could handle the insurance *407on it,” and also advising Kemp that Siddoway’s hay had caught fire, that the fire had been extinguished, and that there would he some damage to the hay, whose value had been set by Siddoway at $12,000, in the --application for but $7,000 insurance, sent along with the letter to Kemp.2 The hay was a total loss. Dearden, as agent for two companies had a supply of their application forms, etc., was duly licensed by them with .authority to contract for them within the scope of an authorized agent’s employment. He had no such authority with Glens Falls. .Siddoway had no negotiations or contact with Glens Falls and so far as the record reflects, knew nothing about such com■pany. Siddoway paid no premium to anyone, though offering to do so. No executed policy was ever delivered to or accepted by Siddoway. Glens Falls did not do anything that would indicate to Siddoway that Dear-den represented it nor did Siddoway act on any assumption that Dearden had such authority, actual or apparent, or that Glens Falls ratified any contract with him.

Under such circumstances it is difficult to conclude, that applying principles as to definitude and certainty of terms, parties, subject-matter, and actual existence thereof, that might be urged to show any manifestation of mutual assent, an enforceable oral or written contract ever was effectuated in the instant case. So concluding, we think the points on appeal to be without merit.