Ansari v New India Assurance Ltd
 EWCA Civ 93;  2 All E.R. (Comm) 926;  Lloyd's Rep. I.R. 562
On behalf of the Insurer, successfully resisted an appeal against the ruling that the policy did not cover fire damage, where the sprinkler system was inoperative: Hussain v Brown (1996) 1 Lloyd’s Rep 627 CA distinguished. The material change clause in the policy protected the Insurer against alterations to the property or in the facts on the basis of which it had written the policy.