Insurance Law – Avoidance of policy by Insurer for misrepresentation and material non-disclosure – Arbitration clause and whether non compliance automatically determines the right to redress by the court – Breach of conditions – Whether such breach material or entitles Insurer to avoid policy – treatment of disputed confessions in civil litigation - Whether issues of undue influence, duress and involuntariness material to admissibility of confession – The Motor Vehicles Insurance (Third-Party Risks) Act, sections 8 & 18.