Lack of Due Diligence
The insured has a general duty of care, and this is referred to in most policies by the phase “due diligence”. It is quite reasonable for an insurance company to anticipate that the insured person will be reasonably diligent in protecting and managing his property.
Section 55 of The Marine Insurance Act 1906 provides that the insurer is liable for any loss proximately caused by a peril insured against, even though the loss would not have happened but for the misconduct of the master or crew. In the case of negligent or unskilful navigation, the Courts will normally hold that it should be payable.