COMETSAMBRE SA V LLOYD'S INSURANCE COMPANY SA HIG 5321

[2026] EWHC 1837 (Comm), King's Bench Division, Commercial Court, Mr Justice Butcher, 21 July 2026

Insurance (marine) – Freight Demurrage and Defence (FDD) – Renewal of policy – Failure by charterers to disclose – Duty of fair presentation – Material facts – Inducement – Waiver – Insurance Act 2015

CSA was in the business of chartering vessels to carry cargoes of scrap metal from Ghent, Belgium. Since 2008 CSA had insured its potential liability under FDD policies. At that time CSA stated that it was carrying only "clean" rather than greasy scrap. The policy was renewed in 2022.