- Losses caused by the insurers carelessness i.e not accidental
- Incase the insured has no insurable interest in the property
- Incase of accident / loss is not directly related to the risk insured
- Incase the insured has not paid premiums as expected
- If on investigation the insurance company realises that false information was given by the insured
- A car accident which is caused by a third person who is not insured
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