{"id":10476,"date":"2012-07-06T02:43:55","date_gmt":"2012-07-06T02:43:55","guid":{"rendered":"http:\/\/192.168.1.14\/index.php\/2012\/07\/06\/7-06\/"},"modified":"2025-09-01T01:21:45","modified_gmt":"2025-08-31T17:21:45","slug":"7-06","status":"publish","type":"post","link":"https:\/\/andrewliu.com.hk\/zh\/7-06\/","title":{"rendered":"Non disclosure"},"content":{"rendered":"

 \"pdf\" <\/span>ENG<\/a>   \"pdf\" <\/span>\u4e2d\u6587<\/a>   <\/span><\/p>\n

Sea Lion v Valiant Insurance<\/p>\n

Under a loss of hire policy, information disclosed to insurers stated “one hull claim on vessel” whereas the vessel had two hull claims.<\/p>\n

Held that materiality was related to the incident which actually did cause loss of hire and not the potential to cause loss of hire.<\/p>\n

Also the second claim was immaterial as it resulted in a time loss of 10 days below the deductible.<\/p>\n

Summary:
Owners need not disclose claims which did not result in a Hull damage even if the circumstances could have led to a hull claim.<\/p>\n

Owners need not disclose claims which did not exceed the Hull deductible and as long as the hull deductible under the to be sought quote is not lower than the deductible of insurance cover at time of incident.<\/p>\n

The foregoing decision enables assureds and brokers to lawfully recreate a more attractive presentation to insurers on claims, however it is important to note that any form of recreation may lead to an allegation of nondisclosure by insurers.<\/p>\n

See attached file : ALCO20120048 Non disclosure.pdf<\/p>\n

 <\/p>\n

\u672a\u5c3d\u62ab\u9732\u4e49\u52a1<\/strong><\/span><\/p>\n

Sea Lion v Valiant Insurance \u6848\u6d89\u53ca\u4e00\u4efd\u79df\u91d1\u635f\u5931\u9669\u4fdd\u5355\uff0c\u8be5\u4fdd\u5355\u4e0b\uff0c\u88ab\u4fdd\u9669\u4eba\u53ca\u5176\u7ecf\u7eaa\u4eba\u5411\u4fdd\u9669\u4eba\u62ab\u9732\u7684\u4fe1\u606f\u663e\u793a\uff0c\u5176\u7d22\u8d54\u8bb0\u5f55\u4e3a “\u4e00\u4e2a\u8239\u58f3\u9669\u7d22\u8d54\u6848\u4ef6” \uff0c\u4f46\u5b9e\u9645\u4e0a\u8be5\u8239\u8236\u53d1\u751f\u8fc7\u4e24\u4e2a\u8239\u58f3\u9669\u7684\u7d22\u8d54\u6848\u4ef6\u3002<\/p>\n

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\u5982\u679c\u4e8b\u6545\u53ef\u80fd\u4f1a\u5f15\u8d77\u8239\u58f3\u9669\u7d22\u8d54\u6848\u4ef6\uff0c\u4f46\u6ca1\u6709\u5bfc\u81f4\u8239\u58f3\u635f\u574f\uff0c\u5219\u8239\u4e1c\u4e0d\u9700\u8981\u62ab\u9732\u3002<\/p>\n

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\u6839\u636e\u4ee5\u4e0a\u5224\u51b3\uff0c\u88ab\u4fdd\u9669\u4eba\u53ca\u5176\u7ecf\u7eaa\u4eba\u5728\u63d0\u4f9b\u7d22\u8d54\u8bb0\u5f55\u65f6\uff0c\u53ef\u4ee5\u5408\u6cd5\u7684\u5411\u4fdd\u9669\u4eba\u63d0\u4f9b\u5bf9\u5176\u66f4\u5177\u6709\u5438\u5f15\u529b\u7684\u63cf\u8ff0\u3002\u4f46\u662f\u9700\u8981\u6ce8\u610f\uff0c\u4efb\u4f55\u4e0d\u5b9e\u7684\u63cf\u8ff0\u90fd\u53ef\u80fd\u5bfc\u81f4\u4fdd\u9669\u4eba\u63a7\u544a\u5176\u8fdd\u53cd\u62ab\u9732\u4e49\u52a1\u3002<\/p>\n

\u4ee5\u4e0a\u7531 ANDREW LIU & CO.,LTD \u7f16\u8bd1\uff0c\u5e94\u4ee5\u82f1\u6587\u4e3a\u51c6\uff01<\/p>\n

\u8be6\u7ec6\u4fe1\u606f\u8bf7\u53c2\u9605\u9644\u4ef6\u3002<\/p>\n


<\/strong><\/span><\/p>","protected":false},"excerpt":{"rendered":"

  ENG    CHN    Sea Lion v Valiant Insurance Under a loss of hire policy, information disclosed to insurers stated “one hull claim on vessel” whereas the vessel had two hull claims. Held that materiality was related to the incident which actually did cause loss of hire and not the potential to cause loss of hire. Also […]<\/p>","protected":false},"author":3,"featured_media":9071,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34],"tags":[125],"class_list":["post-10476","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-circulars","tag-english"],"_links":{"self":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts\/10476","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/comments?post=10476"}],"version-history":[{"count":1,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts\/10476\/revisions"}],"predecessor-version":[{"id":20346,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts\/10476\/revisions\/20346"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/media\/9071"}],"wp:attachment":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/media?parent=10476"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/categories?post=10476"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/tags?post=10476"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}