Powered by Lexis+®
Jurisdiction(s):
United Kingdom

Delos v Allianz/AXA: Court of Appeal hears Insurance Act 2015 fair presentation challenge to US$37m cover and customs/quarantine detention exclusion (England and Wales)

Published on: 11 July 2025

Published by a Law360 reporter
Legal News
Article summary

Insurers, among them subsidiaries of AXA and Allianz, told the Court of Appeal that the non-disclosure amounted to a breach of the duty of fair representation of the risk under the Insurance Act 2015 (IA 2015). Delos Shipholding SA, owner of the Win Win, together with the vessel’s commercial and technical managers and its mortgagee, sued the insurers for declining cover. Counsel for the insurers, Philippa Hopkins KC of Essex Court Chambers, argued—according to the judgment—that Delos knew, yet failed to disclose, that director Evangelos Bairactaris was criminally charged in March 2018 in relation to the alleged financing of drug trafficking. She said the non-disclosure induced the insurers to issue the policy on those terms and that it should be voided under the IA 2015. In March 2024, High Court Judge Julia Dias (Dias J) rejected the insurers’ contention that cover could be refused by relying on a policy exclusion for customs- or quarantine-related detentions...

To view the latest version of this document and thousands of others like it, sign-in with LexisNexis or register for a free trial.

Popular documents

When evaluating a general damages claim, the practitioner ought initially to refer to the Judicial College Guidelines (JCG)...

Read More Right Arrow

This Practice Note This Practice Note reviews mechanisms used in settling litigation. A Tomlin order consists of a consent order paired with a schedule. It operates to stay proceedings on terms that have been agreed. The provisions contained in the schedule may remain confidential. This Practice Note describes the scope of confidentiality attaching to the schedule and sets out how it differs from a standard consent order. Sample wording for a Tomlin order is included, alongside links to precedents, as well as guidance on court approval. It also addresses varying, setting aside and enforcing a Tomlin order, including the considerations the court will take into account when handling applications for each. Further guidance is provided on interpreting and applying the relevant provisions of the CPR; however, some courts and divisions impose very specific requirements for both drafting and approval, and for approaching the schedule and confidentiality issues. Accordingly, you must consider the particular rules and court guide provisions in the forum where your claim is proceeding when drawing up the Tomlin order...

Read More Right Arrow

Date [ date ] Parties [ name of Landlord ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Landlord) [ name of Tenant ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Tenant) [ [ name of Guarantor ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Guarantor) ] [ [ name of Mortgagee ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Mortgagee) ] Definitions Within this Deed, the terms below shall be interpreted as follows: [ Annual Rent • the annual sum reserved under the Lease; ] [ Insurance Rent • the Tenant’s share of the Landlord’s costs of insuring the Property (as set out in the Lease); ] Lease • the lease of the Property dated [ date ], entered into between (1) [ the Landlord OR [ name ...

Read More Right Arrow

I, [ name ], of [ address ], solemnly and sincerely state that: [ Matters to be verified, set out in numbered paragraphs ] I make this solemn statement in good conscience, believing it to be true, and pursuant to the provisions of the Statutory Declarations Act 1835. DECLARED at [ details ] this [ day ] day of [ month and year ] Before me ................................................................................ [ signature of the person before whom the declaration is made ] A [ commissioner for oaths OR [ solicitor OR [ insert other qualification ] ] authorised to administer oaths ]...

Read More Right Arrow