An insured who uses fraudulent devices to support an otherwise valid claim forfeits the entire claim under the post-contractual duty of good faith in insurance law.
insurance
Under Insurance Contracts Act s.54, an insurer cannot refuse a claim on the basis of the insured's breach of duty of disclosure where that breach did not cause or contribute to the loss.
Insurance contract construction follows general commercial contract principles, requiring consideration of text in context and giving effect to the commercial purpose.
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