xmlns:atom="http://www.w3.org/2005/Atom" xmlns:atom="http://www.w3.org/2005/Atom"
8U.K.If a qualifying breach was deliberate or reckless, the insurer—
(a)may by notice to the insured treat the contract as having been terminated with effect from the time when the variation was made, and
(b)need not return any of the premiums paid.