Consumer and previous insurer reports containing personal, credit, factual or investigative information about the applicant may be sought in connection with this Applicant for Insurance or any renewal, extension or variation thereof. All provisions contained in the various forms issued under this contract shall be deemed to be contained in the present Application of Insurance. The policy may be deemed to be void and claims may be denied where:

• 1) An applicant for a contract:
• a) Gives false or erroneous information to the prejudice of the insurer, or
• b) Knowingly misrepresents or fails to disclose in the Application any fact required to be stated therein; or
• 2) The Insured contravenes a term of the Contract or commits a fraud; or
• 3) The Insured willfully makes a false statement in respect of a claim under the contract.