(3)In the absence of inquiry the following circumstances need not be disclosed, namely:-(a)any circumstance which diminishes the risk;(b)any circumstance which is known or presumed to be known to the insurer. The insurer is presumed to know matters of common notoriety or knowledge, and matters which an insurer in the ordinary course of his business as such, ought to know;(c)any circumstance as to which information is waived by the insurer;(d)any circumstance which it is superfluous to disclose by reason of any express or implied warranty.
