Why lie? The terms and conditions of the insurance would have been issued with the policy, and so the insurers are declining the claim for legitimate reasons. Lying in the insurance industry to get cover results in prices being pushed up for everybody else. That's true for motor, home, contents etc.
Unfortunately, many people do this. OK, it might not be nice to feel out of pocket, but please don't falsify claims.
(I work in the insurance industry, but NOT anything to do with underwriting/claims, my comments above are personal feelings)