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Insurance law is founded upon certain guiding principles that regulate the relationship between the insurer and the insured and ensure fairness and certainty in insurance contracts. The foremost principle is that of utmost good faith (*uberrimae fidei*), which requires both parties, especially the insured, to disclose all material facts that may influence the insurer’s decision to accept the risk or determine the premium. Non-disclosure or misrepresentation of material facts may render the contract voidable. Another important principle is insurable interest. The insured must have a legally recognized interest in the subject matter of the insurance so __________ ___ __________ ______ _______ _________ _____.
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