Insurance court rejects insurer's unfair contract clause defense, ordering full payment of fire damage claim.

The court rejected Achmea's defense based on Article 251 of the Commercial Code, which claimed the insured failed to disclose relevant information. Although the insured answered 'no' to past claims, the court found that the insurer could have secured additional security, such as an assignment of collection rights, to mitigate the risk of non-payment. Consequently, the court ruled that invoking the unfair clause was unreasonable and ordered Achmea to pay the insured's fire damage claim.