Cometsambre SA v Lloyd’s Insurance Company SA HIG 5321 [2026] EWHC 1837
The Claimant scrap metal trader claimed against the Defendant insurers under its FDD and Charterers’ Risk insurance, following a liability to the owners of a chartered ship consequent on a cargo fire in 2022. The Court upheld the Defendant insurers’ case that failure to disclose 5 previous cargo fires (not giving rise to claims) in the more recent years of the parties’ 14 year relationship, constituted a breach of its Insurance Act duty of fair presentation, entitling the Defendants to avoid the policy.