A serious problem that often arises for an insured claiming on an insurance policy is the requirement that all information be accurate or that any changes in circumstances be communicated to the insurance company. Benefits have been denied when the loss takes place when the premises were left vacant, where the use of the premises has changed, or where the information on the application is accidentally or knowingly incorrect -even if the information has nothing to do with the event giving rise to the claim. Discuss whether such an approach is too harsh and gives too much advantage to the insurance companies and whether consumers are adequately protected from abuse.