a) In the context of law of insurance, a person is not expected to disclose all facts. Explain this legal principle with the support of relevant cases.

b) Aru wishes to own a new car. Due to insufficient funds, he thought of buying the car from Savvy Car Sdn. Bhd. by way of instalments. State the formalities that Aru, as the hirer, must comply with in relation to repossession of hire-purchase item.

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