Aviva was entitled to avoid a policy from inception where a claim was made under the policy in respect of a fire at the claimant’s property. The insurer could rely upon an intentionally exaggerated prior claim, a false claim and non-disclosures pointing to moral hazard such as the non-disclosure of a (now spent) criminal conviction to an earlier underwriter (Fielding Properties (Blackpool) Ltd v Aviva Insurance Ltd [2010] EWHC 2192 (QB)).