In a previous post on here re pressures/tyres I quoted the following from an article I saw - A few years ago I read an article re a crash. The motorist had crashed into a lamp post (the reason is unimportant, the outcome is) the police checked the car and found all ok.
The insurance refused to pay out for the car or post. The reason – the tyres fitted to the car were of a lower speed rating than specified by the manufacturer, S instead of T. The police said the car was ok because the speed limit in this country was 70 mph and as the tyres were capable of 112 mph which is well above the speed limit they did not have a problem.--- The insurance company did have a problem, insurance companies check cars over very carefully, anything out of original spec that you have not made them aware of will give them a get out. In todays world insurance companies will look for a get out as soon as the claim goes in, the risk is all yours. Sorry folks but thats life.
I don't work in claims, but that seems harsh, if in doubt, ask the insurance underwriter over the phone, get them to verbally confirm it is ok, all calls are recorded, thus if they said yes it is fine, they have to stand by it, record name, date and time of call, if they refer to a manager/supervisor, make sure you get their name as well. If you can, get them to confirm it in writing, that last part obviously depends on whether your insurance company charges admin charges and how much, so work out if it is worth it or not.
I'd suspect that the article, or rather the reason in the article was not as cut and dry as non standard tyres, it will have been something to do with the policy, possibly something they agreed to that they should not have or a mistake, thus charging far less than they should have, and at claim time, they looked for something to get out of paying. I'd be surprised if that was the true reason, but then no one will know for certain except for those involved in the claim.
We've paid out even with non-disclosures, even of claims and convictions, obviously, it is down to circumstances, but if we felt it was genuine, then we would ask the policyholder to pay the proper premium rated on the correct details, and then proceed with the claim. It is a fine line, that is why it is best to disclose everything.
It is the age old saying, cheapest is not the best, and you find out how good an insurance company is when you claim.