IN THE SUPREME COURT OF JUDICATURE COURT OF APPEAL (CIVIL DIVISION) ON APPEAL FROM THE HIGH COURT OF JUSTICE CHANCERY DIVISION Qayyum Ansari V New India Assurance Limited Neutral Citation Number: [2009] EWCA Civ 93 Case NO A3/2008/1317 Lord Justice Waller, Lord Justice Thomas and Lord Justice Moore-Bick, 18 February 2009 https://knyvet.bailii.org/cgi-bin/format.cgi?doc=/ew/cases/EWCA/Civ/2009/93.html&query=(ansari)+AND+(v)+AND+(new) Mr. Timothy Saloman Q.C. and Mr. Jeffery Terry (instructed by Mubasher Khan of HSK LLP) for the appellant. Summary: 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 It is common for insurers to insert provisions into policies requiring increases of risk during the