{"id":4571,"date":"2026-05-12T10:32:32","date_gmt":"2026-05-12T10:32:32","guid":{"rendered":"https:\/\/www.insuracarelife.com\/blog\/is-it-a-war-the-question-that-will-define-thousands-of-gulf-insurance-claims\/"},"modified":"2026-05-12T10:32:32","modified_gmt":"2026-05-12T10:32:32","slug":"is-it-a-war-the-question-that-will-define-thousands-of-gulf-insurance-claims","status":"publish","type":"post","link":"https:\/\/www.insuracarelife.com\/blog\/is-it-a-war-the-question-that-will-define-thousands-of-gulf-insurance-claims\/","title":{"rendered":"Is it a war? The question that will define thousands of Gulf insurance claims"},"content":{"rendered":"<div>\n<p paraeid=\"{89d30ae6-ca3c-4876-9357-6daa451bd749}{97}\" paraid=\"632003861\">P&amp;I clubs exclude war risk from standard mutual cover as a listed peril. In the clearest cases &#8211;\u00a0a vessel struck by a missile in an active war zone &#8211;\u00a0the exclusion applies, and owners must look to their separate war risk tower for cover.\u00a0Ogullukian\u00a0acknowledged, however, that certain downstream liabilities are harder to draw clean lines around. Where the proximate cause of a loss is a war peril, the consequences &#8211;\u00a0oil escaping into international waters, for instance &#8211;\u00a0may still\u00a0potentially\u00a0create environmental liabilities that clubs cannot simply\u00a0disclaim. \u201cMost war risk policies have a limit equal to a vessel\u2019s value,\u00a0and this may not be adequate for some of the larger\u00a0third-party\u00a0liability claims that\u00a0P&amp;I clubs\u00a0are accustomed to seeing.\u00a0P&amp;I clubs fill this\u00a0gap by offering a layer of coverage above a vessel\u2019s insured\u00a0value. Therefore, large\u00a0maritime\u00a0casualties\u00a0where you may have\u00a0environmental damage, wreck removal, etc.,\u00a0may still\u00a0find their way back to a P&amp;I club and their reinsurers,\u201d he said.\u00a0<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>P&amp;I clubs exclude war risk from standard mutual cover as a listed peril. In the clearest cases &#8211;\u00a0a vessel struck by a missile in an active war zone &#8211;\u00a0the exclusion applies, and owners must look to their separate war risk tower for cover.\u00a0Ogullukian\u00a0acknowledged, however, that certain downstream liabilities are harder to draw clean lines around. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4572,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[263,3388,1449,11,3387,3389,605],"class_list":["post-4571","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-claims","tag-define","tag-gulf","tag-insurance","tag-question","tag-thousands","tag-war"],"_links":{"self":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/4571","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/comments?post=4571"}],"version-history":[{"count":0,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/4571\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/media\/4572"}],"wp:attachment":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/media?parent=4571"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/categories?post=4571"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/tags?post=4571"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}