[2009] Lloyd’s Rep. IR 562; [2009] 2 All ER (Comm) 926

Timothy Saloman QC – 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