This case presents questions certified to us by the United States District *26Court, the Honorable Ray McNichols, presiding. Although five issues are certified to us, our disposition of the first two issues render any consideration of the remaining issues unnecessary. The United States District Court phrased those first two issues as follows:
“ISSUE NO. 1: Did the Idaho Legislature, by providing in section 41-2401, Idaho Code, that no fire insurer shall issue fire insurance on a form other than the ‘New York Standard as Revised in 1943,’ intend to amend the general five-year statute of limitations upon actions brought upon written contracts, and create a one-year statute of limitations with respect to actions on policies of fire insurance?
“ISSUE NO. 2: If so, was the statute constitutional and otherwise lawful?”
Sunshine Mining Company sustained damages from a “rockburst” which allegedly occurred on October 10, 1979, at its underground mine at Big Creek, Idaho. A “rockburst” is defined as “a violent explosion of rock from the walls of a mine opening, the effect of heavy pressure on brittle rocks in deep mines, where mining has deprived the rock of support on one side.” Webster’s New International Dictionary of the English Language (2d ed. 1957). A combined group of companies under seven insurance policies, each insuring a percentage of the risk, had underwritten and insured Sunshine’s fire and property risks. Sunshine was covered against fire, lightning, and other perils, including explosion, and each of the policies covered consequential loss from business interruption. None of those policies was issued on the “New York standard form;” only one of the policies resembles the “New York standard form,” and that one fails to comply with other provisions of the Idaho statutes, specifically I.C. § 41-2401(l)(j) and I.C. § 41-2401(l)(k).
I.C. § 5-216 provides the statute of limitations for contracts generally, as: “Within five (5) years: An action upon any contract, obligation or liability founded upon an instrument in writing.” That statute has been construed as a statute of limitations applicable to insurance policies. Harding v. Mutual Benefit Health & Accident Ass’n, 55 Idaho 131, 39 P.2d 306 (1934). I.C. § 29-110 provides:
“Limitations on right to sue. — Every stipulation or condition in a contract, by which any party thereto is restricted from enforcing his rights under the contract by the usual proceedings in the original tribunals, or which limits the time within which he may thus enforce his rights, is void.”
Each of the insurance policies in the instant case purports to limit the time for filing suit on those policies to a period of one year. Clearly, without more, under the literal language of I.C. § 29-110, an attempt by the language of an insurance policy to reduce the statute of limitations from five years to one year would be void.
However, the defendants-petitioners insurance companies argue, and the ultimate question for determination here is, the effect of the legislative enactment of I.C. § 41-2401. That statute provides in pertinent part that “[n]o fire insurer shall issue any fire insurance policy covering on property or interest therein in this state, other than on the form known as the New York standard as revised in 1943.” That mandated New York standard form appears nowhere in the insurance code legislation, other than by the above brief reference, nor does it appear in any of the comments to the statute. Furthermore, there is not, in the title of the bill as presented to and enacted by the legislature, any reference to a change in any statute of limitations by operation of that New York standard form.
The New York standard insurance policy form, as revised in 1943, contains language indicating a one year limitation period for filing suit under the insurance policy, which language reads as follows:
“Suit. — No suit or action on this policy for the recovery of any claims shall be sustainable in any court of law or equity unless all of the requirements of this policy shall have been complied with, and *27unless commenced within twelve months next after inception of the loss.”
It is asserted by defendants-petitioners insurance companies that by mentioning the New York standard form in I.C. § 41-2401, the Idaho legislature has rendered the five year statute of limitations under I.C. § 5-216 inapplicable to fire insurance policies, and that, as to any fire insurance policy covering property in this state, a one year statute of limitation shall prevail. We disagree.
We note first that in 1961, the Idaho legislature adopted a comprehensive insurance code, the provisions of which were passed as a single bill some 416 pages in length. See Idaho Sess.Laws 1961, pp. 645-1060 (H.B.182). That comprehensive revision was codified as Title 41 of the Idaho Code, contained in some 561 pages of Volume 7B, with an additional 172 pages currently being found in the pocket part. Of that voluminous material, the portion of I.C. § 41-2401 relevant here is four lines in length.
The drafters of our state constitution carefully provided for complete disclosure, within the title, of the contents of a given bill, hoping thereby to avoid hidden effects and to ensure that the members of the legislature would understand the scope of the provisions they were enacting. Idaho Const, art. 3, § 16 provides:
“§ 16. Unity of subject and title. —Every act shall embrace but one subject and matters properly connected therewith, which subject shall be expressed in the title; but if any subject shall be embraced in an act which shall not be expressed in the title, such act shall be void only as to so much thereof as shall not be embraced in the title.” (Emphasis added.)
See also I.C. § 67-514, providing that the title to each legislative bill shall contain a specific phrase expressing the bill’s subject matter. This Court has held that the legislature is accorded wide discretion in designing titles to its enactments, Golconda Lead Mines v. Neill, 82 Idaho 96, 350 P.2d 221 (1960), and that a violation of Idaho Const. art. 3, § 16 must be substantial and clearly manifested before nullification of a statute under that constitutional section is warranted, Golconda Lead Mines, supra; Kerner v. Johnson, 99 Idaho 433, 583 P.2d 360 (1978). Nonetheless, statutory amendment-by-implication is disfavored in the law and will not be inferred, absent clear legislative intent. Harding v. Mutual Benefit Health & Accident Ass ’n, 55 Idaho 131, 39 P.2d 306 (1934); State v. Martinez, 43 Idaho 180, 250 P. 239 (1926).
Hence, we hold that the construction attempted by defendants-petitioners to be given to I.C. § 41-2401 must be rejected. The above-quoted provision of our constitution clearly indicates that legislation cannot be adopted in the method and with the result argued for by petitioners here. We are not presented with a clear legislative intent, in the body of a bill, to change a statute of limitations, nor with an oversight which simply omits to mention a clearly intended change in the title of the act. Rather, there is no specific mention in the bill of a change in the statute of limitations, but only a reference to an insurance form, which form only in turn contains a statute of limitations.
Further, we cannot agree that the Idaho legislature intended the result sought by defendants-petitioners insurance companies in the instant action. We again note the massive material contained in the revision of the entire Idaho insurance code. Four lines within that mass of material make reference to an insurance industry form, which may be familiar to those in the industry and those in regulatory bodies, but is hardly familiar to the less knowledgeable consumer. Tucked away in that form are five lines which purport to amend an otherwise clear statute of limitations, i.e., I.C. § 5-216. We will not ascribe such an attenuated motive to our legislature. Rather, we believe if the legislature intended to so amend and modify the provisions of I.C. § 5-216, it would have squarely addressed the issue by enacting a specific statute.
*28Since we have held invalid the purported statutory enactment of a one year limitation period, it follows that the provisions within these insurance policies attempting to limit to one year the time for filing actions on the insurance policies are void under I.C. § 29-110.
This opinion being in response to the certified questions by the United States District Court, we need proceed no further. However, we note that if the instant proceeding were before this Court on appeal following a final judgment, we would award costs and attorney’s fees to plaintiff-respondent Sunshine Mining Company. See I.C. § 41-1839.
DONALDSON, C.J., and BISTLINE and HUNTLEY, JJ., concur.