Where you have purposefully, knowingly, deliberately or negligently misrepresented the material facts when applying for the insurance.
If there is a change in the material facts that takes the risk outside that which the Insurer would have contemplated and/or accepted at inception of the policy.
Where you have knowingly made a false or misleading claim on your policy.
Where you have committed fraud in making a claim on your policy.
Non-payment of your insurance premium.
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