When insurers cannot afford to switch off
In Ansari v New India Assurance, the UK court held that an owner’s knowledge that the sprinkler system which had been fitted in the premises he had leased was not working and of a change of use in the premises constituted a change of material facts which, under the policy, terminated cover, writes Ilana Gilbert, a solicitor in the commercial and property risks group at Beachcroft LLP.