Synergy Health (UK) Ltd v CGU Insurance Plc (t/a Norwich Union) & Ors

An insurer seeking to avoid a policy for non-disclosure or misrepresentation must prove both materiality and actual inducement of the particular underwriter; even a material misrepresentation (here, the absence of an intruder alarm) will not entitle avoidance if the insurer fails to establish that it was induced to write or renew on the terms it did.