Claims handler for specialist commercial insurance.

one of the clients has multi risk policy including buildings and contents cover for a number of factory sites and head office.

policyholder notifies you of claim for fire damage to on it it's plants. The fire. Started from overheating line.

upon investigation you notice one of the directives had been convicted of invoice fraud 5 years ago and received 3 years in jail which was not disclosed.

the machine which caused the fire was not approved by manufacturers.

the policy covered materials in the storeroom were damaged and were owed by another company. Which is owned by one of the directors.

discuss the effect of non disclosure on the policy?

the impact of alterations to the machine on the policy coverage?

explain using case law if the loss of materials is covered?