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.
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