Craig rents a workshop on an industrial estate from which he intends to conduct a car detainling business. Hen takes out an insurance policy on the premises with IMAA Insurance. One of the questions on the proposal asks whether any hazardeous goods will be stored on the premises. Craig is mainly using detergents, polish and some mild cleaners which are similar to household products, so he answered no to that question. A few months later Craig enters into a partnership with luke, a qualified panel beater , to work with him a large quantity pf automotive paints and thinners which are now stored on the premises rented by Craig. Unfortunately, a fire causes the busniess to be destroyed. when the IMAA discovers that automotive paints and thinners have been stored on the premises thay deny the claim for insurance. IMAA point a clau.