§ 1945 Insurer Liability After Improper Deviation

• •Insurers can deny claims when the insured vessel deviates from an approved route.
• •The deviation must be deemed improper for the denial to apply.
• •This rule applies to marine insurance policies.

A cargo ship sails into a storm despite the route being restricted, and part of the cargo gets damaged.

Because the ship took an improper deviation, the insurer can refuse to pay for the damaged cargo.