{"id":5989,"date":"2025-11-16T12:53:23","date_gmt":"2025-11-16T04:53:23","guid":{"rendered":"https:\/\/yhalaw.com.my\/?p=5989"},"modified":"2025-11-16T12:53:26","modified_gmt":"2025-11-16T04:53:26","slug":"marine-insurance-war-risks-not-bureaucracy-uk-court-of-appeal-upholds-cover-in-indonesian-detention-case","status":"publish","type":"post","link":"https:\/\/yhalaw.com.my\/zh\/marine-insurance-war-risks-not-bureaucracy-uk-court-of-appeal-upholds-cover-in-indonesian-detention-case\/","title":{"rendered":"MARINE INSURANCE \u2013 WAR RISKS, NOT BUREAUCRACY: UK COURT OF APPEAL UPHOLDS COVER IN INDONESIAN DETENTION CASE"},"content":{"rendered":"\n

1. Summary and Facts<\/strong><\/h3>\n\n\n\n

In Delos Shipholding SA v Allianz Global Corporate and Specialty SE [2025] 2 Lloyd\u2019s Rep 117, The Win Win, a Capesize bulk carrier owned by Delos (part of the NGM Group) and insured under a war risks policy worth USD 37.5 million with Allianz and other insurers. In February 2019, the vessel was detained by the Indonesian Navy for anchoring in Indonesian waters without permission. The detention lasted for almost a year, until January 2020. The owners then claimed that the vessel was a constructive total loss under the insurance policy.<\/p>\n\n\n\n

However, the insurers refused to pay. They argued that the detention was excluded under the policy clause for arrests or detentions under customs or quarantine regulations. They also claimed that the insured failed to disclose that its nominee director, Mr. Evangelos Bairactaris, had faced criminal charges in Greece. The High Court decided in favour of the vessel owners, holding that the exclusion did not apply and there was no breach of duty. The insurers then appealed to the Court of Appeal.<\/p>\n\n\n\n

2. Legal Issues<\/strong><\/h3>\n\n\n\n

\u2022 Whether the detention fell within the exclusion for \u201carrest, restraint or detainment under customs or quarantine regulations and similar arrests\u201d under the American Institute War Risks Clauses (AIWRC) 1977.
\u2022 Whether the Indonesian detention fell within the customs\/quarantine exclusion.<\/p>\n\n\n\n

3. Court\u2019s Findings<\/strong><\/h3>\n\n\n\n

\u2022 The UK Court of Appeal dismissed the insurers\u2019 arguments and upheld the Judge\u2019s decision at first instance.
\u2022 The detention was caused by a sudden change in Indonesian government policy asserting sovereignty over its territorial waters.
\u2022 There was no breach of duty of fair presentation under the UK Insurance Act 2015.
\u2022 The insurers lost their bid to avoid paying the US$37.5 million for the vessel detention where the decision marked a \u201cwin-win\u201d for the vessel interest.
\u2022 Mr. Bairactaris, a nominee director acting solely on instructions, did not qualify as part of Delos\u2019s senior management.
\u2022 It was unreasonable to expect Delos or NGM to ask Mr. Bairactaris if he faced criminal charges, given his limited administrative role and longstanding professional relationship.<\/p>\n\n\n\n

4. Practical Implications<\/strong><\/h3>\n\n\n\n

This decision affirms several important legal principles including:
\u2022 The \u201ccustoms or quarantine\u201d exclusion applies only to regulations concerning import control or health \u2014 not to general regulatory detentions or assertions of sovereignty.
\u2022 \u201cSenior management\u201d means those with decision-making authority, not nominal directors.<\/p>\n","protected":false},"excerpt":{"rendered":"

In Delos Shipholding SA & Ors v Allianz Global Corporate & Specialty SE & Ors [2025] 2 Lloyd\u2019s Rep 117, the UK Court of Appeal upheld insurers\u2019 liability for the constructive total loss of the Win Win, rejecting reliance on the \u201ccustoms or quarantine regulations\u201d exclusion in a war risks policy. The Court ruled that detentions arising from Indonesia\u2019s assertion of sovereignty were not \u201csimilar\u201d to customs or health-related arrests, confirming a narrow interpretation of the exclusion. It also clarified under the Insurance Act 2015 that nominee directors without decision-making power do not constitute \u201csenior management,\u201d and that the insured had no duty to disclose criminal charges unrelated to the vessel\u2019s operations. The decision provides key guidance on wa\u2026<\/p>\n","protected":false},"author":1,"featured_media":5990,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3585],"tags":[3719,3723,3722,3720,3721],"class_list":["post-5989","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-shipping-law","tag-court-of-appeal-uk","tag-insurance-act-2015","tag-maritime-insurance","tag-ship-detention","tag-war-risks"],"yoast_head":"\nMARINE INSURANCE \u2013 WAR RISKS, NOT BUREAUCRACY: UK COURT OF APPEAL UPHOLDS COVER IN INDONESIAN DETENTION CASE | Yew Huoi, How & Associates | Leading Malaysia Law Firm<\/title>\n<meta name=\"description\" content=\"In Delos Shipholding SA & Ors v Allianz Global Corporate & Specialty SE & Ors [2025] 2 Lloyd\u2019s Rep 117, the UK Court of Appeal upheld insurers\u2019 liability for the constructive total loss of the Win Win, rejecting reliance on the \u201ccustoms or quarantine regulations\u201d exclusion in a war risks policy. The Court ruled that detentions arising from Indonesia\u2019s assertion of sovereignty were not \u201csimilar\u201d to customs or health-related arrests, confirming a narrow interpretation of the exclusion. It also clarified under the Insurance Act 2015 that nominee directors without decision-making power do not constitute \u201csenior management,\u201d and that the insured had no duty to disclose criminal charges unrelated to the vessel\u2019s operations. The decision provides key guidance on wa\u2026\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/yhalaw.com.my\/zh\/marine-insurance-war-risks-not-bureaucracy-uk-court-of-appeal-upholds-cover-in-indonesian-detention-case\/\" \/>\n<meta property=\"og:locale\" content=\"zh_TW\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"MARINE INSURANCE \u2013 WAR RISKS, NOT BUREAUCRACY: UK COURT OF APPEAL UPHOLDS COVER IN INDONESIAN DETENTION CASE | Yew Huoi, How & Associates | Leading Malaysia Law Firm\" \/>\n<meta property=\"og:description\" content=\"In Delos Shipholding SA & Ors v Allianz Global Corporate & Specialty SE & Ors [2025] 2 Lloyd\u2019s Rep 117, the UK Court of Appeal upheld insurers\u2019 liability for the constructive total loss of the Win Win, rejecting reliance on the \u201ccustoms or quarantine regulations\u201d exclusion in a war risks policy. The Court ruled that detentions arising from Indonesia\u2019s assertion of sovereignty were not \u201csimilar\u201d to customs or health-related arrests, confirming a narrow interpretation of the exclusion. It also clarified under the Insurance Act 2015 that nominee directors without decision-making power do not constitute \u201csenior management,\u201d and that the insured had no duty to disclose criminal charges unrelated to the vessel\u2019s operations. 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The Court ruled that detentions arising from Indonesia\u2019s assertion of sovereignty were not \u201csimilar\u201d to customs or health-related arrests, confirming a narrow interpretation of the exclusion. It also clarified under the Insurance Act 2015 that nominee directors without decision-making power do not constitute \u201csenior management,\u201d and that the insured had no duty to disclose criminal charges unrelated to the vessel\u2019s operations. The decision provides key guidance on wa\u2026","breadcrumb":{"@id":"https:\/\/yhalaw.com.my\/marine-insurance-war-risks-not-bureaucracy-uk-court-of-appeal-upholds-cover-in-indonesian-detention-case\/#breadcrumb"},"inLanguage":"zh-TW","potentialAction":[{"@type":"ReadAction","target":["https:\/\/yhalaw.com.my\/marine-insurance-war-risks-not-bureaucracy-uk-court-of-appeal-upholds-cover-in-indonesian-detention-case\/"]}]},{"@type":"ImageObject","inLanguage":"zh-TW","@id":"https:\/\/yhalaw.com.my\/marine-insurance-war-risks-not-bureaucracy-uk-court-of-appeal-upholds-cover-in-indonesian-detention-case\/#primaryimage","url":"https:\/\/yhalaw.com.my\/wp-content\/uploads\/2025\/11\/marineinsurance.jpg","contentUrl":"https:\/\/yhalaw.com.my\/wp-content\/uploads\/2025\/11\/marineinsurance.jpg","width":1200,"height":630},{"@type":"BreadcrumbList","@id":"https:\/\/yhalaw.com.my\/marine-insurance-war-risks-not-bureaucracy-uk-court-of-appeal-upholds-cover-in-indonesian-detention-case\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/yhalaw.com.my\/"},{"@type":"ListItem","position":2,"name":"MARINE INSURANCE \u2013 WAR RISKS, NOT BUREAUCRACY: UK COURT OF APPEAL UPHOLDS COVER IN INDONESIAN DETENTION CASE"}]},{"@type":"WebSite","@id":"https:\/\/yhalaw.com.my\/#website","url":"https:\/\/yhalaw.com.my\/","name":"Yew Huoi, How & Associates | Leading Malaysia Law Firm","description":"YHA Law Firm is a leading law firm in Malaysia.Specialises in handling Civil,Maritime,Shipping Matters,Company Law,Family Law,Real Estate and many more","publisher":{"@id":"https:\/\/yhalaw.com.my\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/yhalaw.com.my\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"zh-TW"},{"@type":"Organization","@id":"https:\/\/yhalaw.com.my\/#organization","name":"Yew Huoi, How & Associates Law Firm | yhalaw.com.my","url":"https:\/\/yhalaw.com.my\/","logo":{"@type":"ImageObject","inLanguage":"zh-TW","@id":"https:\/\/yhalaw.com.my\/#\/schema\/logo\/image\/","url":"https:\/\/yhalaw.com.my\/wp-content\/uploads\/2020\/06\/YHA-Law-Logo-White-BG-New@2x-e1668772571446.png","contentUrl":"https:\/\/yhalaw.com.my\/wp-content\/uploads\/2020\/06\/YHA-Law-Logo-White-BG-New@2x-e1668772571446.png","width":2080,"height":369,"caption":"Yew Huoi, How & Associates Law Firm | yhalaw.com.my"},"image":{"@id":"https:\/\/yhalaw.com.my\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/yhalaw"]},{"@type":"Person","@id":"https:\/\/yhalaw.com.my\/#\/schema\/person\/f778c60834a29c5ec215ab62d3207bef","name":"YHA Admin","sameAs":["https:\/\/yhalaw.com.my"]}]}},"_links":{"self":[{"href":"https:\/\/yhalaw.com.my\/zh\/wp-json\/wp\/v2\/posts\/5989"}],"collection":[{"href":"https:\/\/yhalaw.com.my\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yhalaw.com.my\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yhalaw.com.my\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yhalaw.com.my\/zh\/wp-json\/wp\/v2\/comments?post=5989"}],"version-history":[{"count":1,"href":"https:\/\/yhalaw.com.my\/zh\/wp-json\/wp\/v2\/posts\/5989\/revisions"}],"predecessor-version":[{"id":5991,"href":"https:\/\/yhalaw.com.my\/zh\/wp-json\/wp\/v2\/posts\/5989\/revisions\/5991"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/yhalaw.com.my\/zh\/wp-json\/wp\/v2\/media\/5990"}],"wp:attachment":[{"href":"https:\/\/yhalaw.com.my\/zh\/wp-json\/wp\/v2\/media?parent=5989"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yhalaw.com.my\/zh\/wp-json\/wp\/v2\/categories?post=5989"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yhalaw.com.my\/zh\/wp-json\/wp\/v2\/tags?post=5989"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}