UK Serious Fraud Office
- agentorangechild
- Aug 20
- 2 min read
Subject: Systematic Insurance Fraud – Lloyd’s of London
Dear Serious Fraud Office,
I am reporting a case of systematic fraud involving Lloyd’s of London.
On 1 July 2025, I lodged a formal complaint with the International Criminal Court (ICC) under Article 15 of the Rome Statute, concerning inherited chemical harm caused by TCDD (Agent Orange). My case demonstrates how governments and financial institutions concealed treaty breaches and UN findings of non-compliance while continuing to obtain and underwrite insurance cover.
Lloyd’s of London was placed on legal notice on 8 August 2025 regarding these matters:
Treaty breaches: Australia, New Zealand, Canada, the United States, and Germany ratified the Stockholm Convention on Persistent Organic Pollutants, yet failed to implement monitoring, prevention, or redress for TCDD exposure. This breach created undisclosed liabilities.
United Nations warnings: Australia alone received eight separate UN warnings between 2011–2021 (CRPD, CRC, CESCR, CERD, HRC, Human Rights Council, Special Rapporteurs), each confirming second-generation harm. None of these were disclosed to insurers.
Fraud mechanism: Each annual insurance and reinsurance renewal since 2004 required the insured to declare material risks. By withholding treaty breaches and UN findings, governments submitted false declarations every year. Lloyd’s accepted and underwrote these declarations, profiting from omissions while providing cover against prohibited liabilities.
This pattern constitutes not a single omission, but systematic fraud repeated across two decades of renewals, amounting to organised financial crime on an international scale.
Lloyd’s was given a 7-day deadline (expiring 15 August 2025) to respond. They failed to do so. Their non-response is now recorded in Annex D of my ICC submission.
I respectfully request the Serious Fraud Office to review whether Lloyd’s conduct constitutes serious fraud under UK law, particularly in the context of:
Section 2, Fraud Act 2006 (false representation).
Section 3, Fraud Act 2006 (failure to disclose information).
Section 4, Fraud Act 2006 (abuse of position).
Proceeds of Crime Act implications, where profits derived from fraudulent non-disclosure.
Please confirm your position no later than 30 August 2025. Silence will be documented in ICC and OECD Annex records.
Warm Agent Orange Burns regards,
Danielle Stevens
We will always be a child of a Vietnam Veteran
A formal complaint has been lodged with the International Criminal Court for Crimes against Humanity. The final submission was the 1st of July 2025.
Australia ratified International treaties but failed to implement them into domestic laws.
When the United Nations tells you 8+ times you are breaking the law, YOU ARE BREAKING THE LAW. Stockholm Convention & Agent Orange is a chemical war crime against children.
Profit before People is a crime.
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