LLR: Insurance & Reinsurance Plus

John Lockey KC; Professor Robert Merkin KC

Document

ANSARI v NEW INDIA ASSURANCE LTD

[2009] Lloyd's Rep IR Plus 20

COURT OF APPEAL

Before Lord Justice Waller, Lord Justice Thomas and Lord Justice Moore-Bick

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.

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