ANSARI v NEW INDIA ASSURANCE LTD

[2008] Lloyd's Rep IR Plus 21

CHANCERY DIVISION

Before Mr Justice Patten

Insurance – Buildings – Insurance against fire – Policy term removing cover in the event of any material alteration to buildings or to facts stated in proposal form – Non-invalidation clause permitting recovery if assured unaware of alteration – Sprinkler system not operative and tenant changing use of buildings – Whether breach of policy term – Whether assured could rely on non-invalidation clause.