英国上诉法院最近在Versloot Dredging BV v HDI-Gerling & others, The DC Merwestone [2014] EWCA Civ 1349 一案中，权威性的确立了有关欺诈的规则。被保险人依据海上或非海上保单提出有效的索赔，为了尽快得到赔付而在理赔过程中说谎，保险人可以因此拒绝整个赔案。
上诉法院通过本案认证了这项苛刻的规则，认为应禁止保险合同任何一方利用谎言保护或提高自己的利益。保险合同以“最大诚信”义务为基础，即使合同已成立，该义务依然存在。这表明，“最大诚信”义务可以一直扩展到提出索赔期间。
详细信息请参阅附件。
Assureds beware – a new law in England about post-contract duty of assured
Court of Appeal in a very recent case of Versloot Dredging BV v HDI-Gerling & others, The DC Merwestone [2014] EWCA Civ 1349 authoritatively confirms fraudulent devices rule. It means that assureds, both in a marine and non-marine insurance policies advance their valid claims under an insurance policy, but pad it up with a lie to ensure that their claim is passed easily, then the underwriters can avoid the full claim.
Court of Appeal in England justified this harsh rule in this case based on policy of deterring any of the parties to the insurance contract to advance lie to protect or advance their interests. The contract of insurance are based on duty of utmost good faith and this duty exists even after the contract is agreed upon by the underwriters. This means this duty extends even while advancing a claim under the policy.
See attached file: ALCO20150001 Assureds beware–a new law in England about post-contract duty of assured.pdf
