Can a fraudulent insurance claim result in no recovery for the insured under the applicable insurance policy?

Ontario, Canada

The following excerpt is from Alavie v. Chubb Insurance Co. of Canada, 2005 CanLII 5331 (ON CA):

It has long been established at common law that a fraudulent insurance claim by an insured results in no recovery by the insured under the applicable insurance policy: see Britton v. Royal Insurance (1866), 4 F&F 905 at 909. In addition, in this case, the policy contained an express contractual condition stating that no coverage was provided under the policy if the insured intentionally concealed or misrepresented any material fact relating to the policy, either before or after a loss.

Other Questions

Can an insurer deny coverage under a policy issued by a new insurer because the insurer was aware of a potential claim in an underlying action brought against the insureds? (Ontario, Canada)
If an insurance policy question is ambiguous and open to multiple interpretations and leads an applicant for insurance coverage to provide incorrect information, must the answer be resolved as against the insurer? (Ontario, Canada)
Is there any case law relating to an accident benefit application where a delay in submitting the Application due to a personal relationship preventing the Applicant from making an application? (Ontario, Canada)
Is a motion for a stay of execution pending a counter-claim, cross-claim and third party claim valid? (Ontario, Canada)
Is an insurer's obligation to pay insurance monies to an insured a debt that can be garnished? (Ontario, Canada)
How have the words “subject to 75% co-insurance” been interpreted in a fire insurance policy? (Ontario, Canada)
Is there any case law in which a plaintiff can claim damages from a disability insurance contract for loss of income as a result of a tortfeasor's negligence? (Ontario, Canada)
Can a motorcyclist who tripped over a motorcycle parked near his trailer and hit his head on his trailer claim an accident insurance claim? (Ontario, Canada)
Is a personal injury insurer required to pay a plaintiff's legal fees and costs for the purposes of their insurance policy? (Ontario, Canada)
In a medical malpractice action, can provincial insurers who have subrogated claims be included in the claim? (Ontario, Canada)

Alexi white

"The most advanced legal research software ever built."

Trusted by top litigators from across North America.