Insurers ( Hull, Cargo and P& I Club) can avoid Claim if the story told in order to claim has false elements in it – BE VERY CAREFUL as a mere attempt to deceive is sufficient to attract the penalty of forfeiture of the valid claim.
In a very important case Versloot Dredging BV v HDI Gerling Industrie Versicherung AG (the DC Merwestone) [2014] EWCA Civ 1349, the Court disallowed the appeal of the Owners in the marine insurance claim as they misrepresented by giving a gloss to their story to advance their claim.
See attached file: ALCO20160011 Insurance claim and risks – Do not inflate the claim or try to shine your story.pdf
保险索赔及风险 – 切莫夸大索赔或言过其实
如果向保险人呈报的索赔案件事实有虚假成分，保险人（船壳、货物和保赔协会）可以拒赔–请谨慎对待，因为仅是欺骗意图就足以导致丧失索赔权。
2014年Versloot Dredging BV v HDI Gerling Industrie Versicherung AG (the DC Merwestone) [2014] EWCA Civ 1349 案有重要意义，法院驳回船东海上保险索赔的上诉请求，船东为了有利于索赔，掩盖事实，错误陈述。
详细信息请参阅附件。
