Disputes relating to question liability are to be settled through litigation. for example, if the Insurers contend that the loss is not payable because it is not covered under the Policy the matter has to be decided by a court of law. Against, if the Insurers refuse to pay the claim on the ground that the Policy is void because it was obtained through fraudulent non-disclosure of material facts (breach of legal duty of ‘utmost good faith’) the issue has to be resolved through litigation.