In general this is called adverse selection, and to the extent that the insured can affect the probability of the loss, the risk is not insurable so these claus

In general this is called adverse selection, and to the extent that the insured can affect the probability of the loss, the risk is not insurable so these clauses are existentially necessary for the insurer [1]. [1]: https://en.wikipedia.org/wiki/Insurable_risk https://en.wikipedia.org/wiki/Insurable_risk