ANSARI v NEW INDIA ASSURANCE LTD

[2008] Lloyd's Rep IR 586

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.