The no voluntary payment clause in plaintiffs’ insurance policies barred its recovery for costs it incurred in complying with a settlement agreement and consent order with the government to remediate mercury contamination of water supplies. Plaintiff had notified defendant of its receiving a notice of the federal government’s claim for natural resources damages from the contamination, but then failed to notify the defendant that it was settling the government’s claim or that as part of the settlement, the government filed suit and obtained a consent decree. Plaintiff was not compelled to enter in the settlement or agree to the consent decree, and it never received the insurer’s consent to the settlement or consent decree.