1 航行
1.1 保險船舶在任何時候按本保險的各項規定承保，允許在有或沒有引航員的情況下
開航或航行、試航、和協助、拖帶遇難船舶，但保證保險船舶不得被他船拖帶，除非是習慣
性的或需要協助被拖至第一安全港口或地點，也不得根據被保險人、船東、船舶管理人和/
或租船人事先安排的合同從事拖帶或救助服務，但本款不排除與裝卸有關的習慣拖帶。
1.2 保險船舶用於在海上裝卸到另一條船或從另一條船裝卸到本船的商業行為（不包
括另一船為港口或近岸的小船），由於此種裝卸作業，包括兩船駛近、並排停靠和駛離，造
成保險船舶的損失或損害以及對他船的責任，本保險不負責賠償，除非船舶在從事這種作業
前，已事先通知了保險人，並且雙方同意了修改的承保條件和增加保險費。
1.3 如果保險船舶的開航（不論有無載貨）旨在（a）拆船或（b）為拆船而出售，那
麼對保險船舶在如此開航後發生損失或損害的任何賠償，應限於船舶發生損失或損壞時報廢
船舶的市場價值，除非已事先通知了保險人，並已同意了修改承保條件、保險價值和保險人
要求的保險費。本款不影響根據第 8條或第 11 條的索賠。
2 延續
本保險期滿時，如果保險船舶尚在海上，或在避難中，或在避難港，或在中途港，那麼
只要事先通知保險人，並按月比例支付超期保險費後，本保險繼續負責承保至抵達其目的港
為止。
3 違反保證
當任何有關貨物、航線、船位、拖帶、救助服務或開航日期的保證被違反時，若被保險
人接到消息後迅速通知保險人，並同意修改承保條款和加付所需的保險費，則保險仍然有效。
4 終止
本保險的任何條款，不論是手寫的、打印的還是印刷的，若與本條相牴觸時，均以本條
為準。
除非保險人書面同意作相反的同意，本保險在下列情況下自動終止：
4.1 保險船舶的船級社變更，或者其船級變更、暫停、中止、撤回或期限屆滿，但如
果船舶尚在海上航行，該自動終止可延遲至船舶抵達下一個港口時。然而，如果此種船級變
更、暫停、中止或撤回是由本保險第 6條款承保的損失或損造成的，或者是由根據現行協會
船舶戰爭險和罷工險定期承保條款承保的損失或損害引起的，此種自動終止僅於船舶未經船
級社事先同意在下一港口開航時才發生效力。
4.2 自願或其他方式變更船舶所有權或船旗、轉讓給新的管理人、光船出租或被徵購、
徵用時，但如果船上載有貨物並已從裝貨港開航，或在海上空載航行時，經要求，此種船舶
自動終止應延遲，直至船舶繼續其計劃航行，載貨船到達最後卸貨港時為止，空載船舶到達
目的港時為止。但是，如果徵購、徵用沒有事先與被保險人簽訂書面協議，那麼不論船舶是
在海上還是在港內，保險責任的終止將在船舶被徵購或徵用後 15 天開始生效。保險費的淨
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收入按日比例退回。
5 轉讓
對保險利益的轉讓，或以金錢支付的利益的轉讓，保險人概不承認，也不受這種轉讓的
約束。但如果被保險人在發生任何索賠或退還保險費之前就在這種轉讓通告書上註明了日期
並簽署，以及以後轉讓人在保險單上背書這種轉讓，則保險人給予賠償。
6 危險
6.1 本保險承保由於下列原因所造成的保險標的的滅失或損壞：
6.1.1 海上、江河、湖泊或其他可航水域的災害；
6.1.2 火災、爆炸；
6.1.3 來自保險船舶外的人員的暴力盜竊；
6.1.4 拋棄；
6.1.5 海盜；
6.1.6 核裝置或核反應堆發生的故障或意外事故；
6.1.7 與航空器或類似裝置及其從上墜落的物體，和與陸上傳送設備、碼頭、港口設
備或裝置的觸碰；
6.1.8 地震、火山爆發或閃電。
6.2 本保險承保由於下列原因所造成的保險標的的滅失或損壞：
6.2.1 裝卸、移動貨物或燃料過程中發生的意外事故；
6.2.2 鍋爐破裂、尾軸斷裂或機器、船體的任何潛在缺陷；
6.2.3 船長、高級船員 、船員或引航員的疏忽；
6.2.4 被保險人以外的修船人員或承租人的疏忽行為；
6.2.5 船長、高級船員、船員的不法行為。
如果此種滅失或損壞並非由於被保險人、船東或管理人缺乏謹慎處理所致。
6.3 船長、高級船員、船員或引航員對保險船舶擁用股權的，不被視為本條（第 6條）
意義上的船東。
7 汙染危險
本保險承保由於任何政府當局以其權力為防止或減輕因保險船舶應由保險人負責的損
害直接引起的汙染危險或其威脅採取的行動造成的保險船舶損失或損害，如果政府當局的這
種行動不是由於保險船舶的被保險人、船東或管理人或其中任何人在防止或減少此種汙染或
威脅方面缺乏謹慎處理所致。船長、高級船員、船員或引航員對保險船舶擁有股權的，不被
視為在本條（第 7）意義上的船東
8四分之三碰撞責任
8.1 保險人同意賠償被保險人對下列各項的損害賠償的法律責任而支付給第三者的金
額的四分之三：
8.1.1 任何其他船舶或船上財產的滅失或損壞；
8.1.2 任何其他船舶或其船上財產的延遲或喪失使用；
8.1.3 任何其他船舶或其船上財產的共同海損、救助報酬或根據合同的救助報酬，如
果被保險人的此種支付是保險船舶與其他船舶碰撞的結果。
8.2 本條所規定的賠償，是本保險其他條款和條件所規定的賠償的增加部分，且必須
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遵照下列規定：
8.2.1 如果保險船舶與另一船舶碰撞，且雙方互有過失，那麼除非一方或兩船的責任受
到法律的限制，根據本條的賠償應按交叉責任制的原則計算，如同各船東不得不相互賠付，
像在確定由於碰撞應由被保險人未能支付或應支付給被保險人的餘額或金額時那樣，可能適
當承認彼此的損害賠償的比例部分；
8.2.2 在任何情況下，保險人根據 8.1 和 8.2，對每次碰撞事故總責任，不得超過保
險船舶保險價值的四分之三。
8.3 保險人還負責賠償經其書面同意後，被保險人為抗辯責任或提起限制責任程序而
產生的或可能不得不支付的法律費用的四分之三。
8.4 但是在任何情況下，本條不延伸到被保險人對下列各項應支付的費用或與此有
關的費用：
8.4.1 障礙物、殘骸、貨物或任何其他物體的清除或處置；
8.4.2 任何不動產或個人財產或任何其它物件，但其他船舶或其上的財產除外；
8.4.3 保險船舶上的貨物或其他財物，或保險船舶的責任；
8.4.4 人身傷亡或疾病；
8.4.5 任何不動產或個人財產或任何其他物件（與保險船舶碰撞的其他船舶或其所載
財產除外）的汙染或沾汙。
9 姐妹船
如果保險船舶與全部或部分屬於同一所有人所有，或與在同一機構管理下的另一船舶發
生碰撞，或接受該船舶的救助服務，則被保險人所享有的權利，與另一艘完全屬於第三者時
被保險人按本保險所享有的權利相同；但在此種情況下，有關碰撞責任及救助費用數額的確
定，應呈交給由保險人和被保險人雙方同意的一個獨任仲裁員進行仲裁。
10索賠通知和招標
10.1 在發生意外事故所造成的滅失或損壞可能導致保險賠償時，被保險人應在船舶檢
驗之前通知保險人，如果船舶在國外，則應通知最近地區的勞合社代理人，以便保險人在認
為需要時委派檢驗人代表保險人進行檢驗。
10.2 保險人有權決定船舶的入塢或修理港口（因遵循保險人的要求所產生的實際額外
費用，可由保險人補償給被保險人），而且對於船舶修理地點或修理廠有否決權。
10.3 保險人也可以進行修理招標或要求重新進行招標。如果已進行了此種招標並且接
受招標經保險人認可，那麼對在按保險人的要求發出招標邀請至接受招標期間完全由於進行
招標所產生的時間損失，應基於保險價值按 30%的年利率予以補貼，但以收到保險人的認可
後毫不遲延地接受招標為限。
在上述招標補貼期間，應從上述補貼中扣除下列款項：在燃料，物料和船長、高級船員、
船員的工資和給養方面得到的賠償，包括可以作為共同海損的金額，以及在延遲損害賠償或
利潤損失/營運費用方面從第三方得到的賠償。
如果在固定的免賠額外存在部分損害修理費用不能從保險人處得到賠償，上述補償按同
樣的比例扣減。
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10.4 如果被保險人未按照本條的規定辦理，那麼應從確定的賠款額中扣除 15%。
11共同海損和救助
11.1 本保險承保保險船舶分攤的救助、救助費用和/或共同海損，且在不足額保險情
況下應按比例扣減，但對於保險船舶的共同犧牲，被保險人有權取得所有損失的保險賠償，
而不必先行使向第三方要求分攤索賠的權利。
11.2 共同海損的理算應按照航程終止地的法律和慣例辦理，如同運輸合同中沒有這方
面特別規定。但是如果運輸合同規定按照《約克-安特衛普》理算，則應按此規則辦理。
11.3 當保險船舶空載航行且未出租，共同海損的理算應適用 1974年的《約克-安特
衛普規則》（第 20條和第 21 條除外），該航程應自起運港或起運地至保險船舶抵達其後的除
避難港口或地點或僅為加油的掛靠港口或地點外的第一個港口或地點為止。若在上述任何一
箇中途港口或地點放棄原定航程時，該航程即視作在該處終止。
11.4 對於任何根據本條的索賠，如果損失不是為避免承保危險而發生的或不是與避
免承保危險有關的，保險人概不負責。
12免賠額
12.1 在每一次單獨事故或事件中，承保危險造成的損失索賠，其累計金額（包括根據
第 8條、第 11 條和第 13 條項下的索賠）不超過______時，保險人不予賠償，在超過上述金
額的情況下，該金額須從賠償總額中扣除。但是，擱淺後檢驗船底的費用，若是專門為檢驗
目的而發生的合理發生的，即使經檢查未發現任何損害也應給予賠付。本款對保險船舶的全
損或推定全損賠償不適用，也不適用於根據第 13 條與同一事故產生的此種全損或推定全損
賠償相關的賠償。
12.2 對於在兩個連續港口的之間一個單一海上航程之中，由於惡劣天氣所造成的損害
索賠，應視作為一次事故造成的。如果這種惡劣天氣持續的時間超過本保險承保的期限，那
麼適用於本保險賠償的免賠額，應按照惡劣天氣在保險期間內的天數與該單獨海上航程中的
惡劣氣候天數的比例計算。本款中的的"惡劣天氣"，應認為包括與浮冰的觸碰。
12.3 除了從第三方所得到的賠償所包含的利息因素外，對於就適用上述免賠額的保險索
賠從第三方得到的賠償，應全部給予保險人，但以未因從第三方得到的賠償而減少的保險索
賠的累計總額超過上述免賠的金額為限。
12.4 從第三方所得到的賠償所包含的利息，應考慮保險人已付保險賠償的金額賠償的日
期，在被保險人和保險人之間比例分享，儘管加上利息後，保險人可能獲得超過其支付的保
險賠償的金額。
13 被保險人的義務（施救費用）
13.1 當發生損失或不幸時，被保險人及其僱傭人員和代理人有義務採取一切合理的措
施，避免或減輕應由本保險負責賠償的損失。
13.2 除以下規定和第 12 條的規定外，保險人將賠償由被保險人、其僱傭人員及代理
人由於採取此種措施而適當地、合理地、產生的費用。共同海損、救助費用（除第 5款中規
定者外）和碰撞抗辯或訴訟費用，不能根據本條得到賠償。
13.3 被保險人或保險人為施救、保護或恢復保險標的而採取的措施，不應視作放棄或
接受委付、或者有損於任何一方的權益。
13.4 對根據本條的規定所發生的費用，本保險的賠償責任，不超過此種費用佔保險金
額同本保險中約定的保險船舶的價值的比例部分，如果發生事故而引起費用時的船舶完好價
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值超過約定的保險價值，則不超過此種費用佔保險金額同這一完好價值的比例部分。如果保
險人已經承認全損索賠，而本保險的保險財產獲救時，上述規定不應適用，除非施救費用超
過此種獲救財產的價值，此時上述規定僅適用於超過獲救價值的施救費用。
13.5 當根據本保險承認保險船舶的全損索賠，為拯救或企圖拯救保險船舶和其他財產
已合理產生的費用且無殘值，或費用超過殘值時，本保險應按比例負責賠償該費用或超過殘
值的費用中按具體情況確定的為保險船舶合理產生的那部分費用；但是如果保險船舶按低於
其引起此種費用的事故發生時的完好價值投保，根據本條可獲得賠償的數額，應按其不足額
保險部分的比例進行賠償。
13.6 根據本條（第 13 條）應賠償的金額，應加在本保險所負責賠償的其他損失上，
但在任何情況下不得超過保險船舶的保險金額。
14以新換舊
應付的賠償不作以新換舊的扣減。
15船底處理
在任何情況下不得索賠保險船舶船底刮除，打砂和/其他表面處理或噴漆，除非是：
15.1 新換船底板打砂和/或其他表面處理以及在其上塗第一次底漆。
15.2 對緊靠新換或重裝鋼板在焊接或修理過程中的受損的鋼板焊接頭或其周圍區域
的打砂和/或表面處理以及在工作現場或山岸上整形過程中受損鋼板的砂和/或表面處理。
15.3 對 15.1 和 15.2所提到的特別區域塗第一層底漆/防腐漆。
16 工資和給養
除共同海損外，不得索賠船長、高級船員和船員或船上其他人員的工資和給養，但完全
因保險人承保的損害的修理必須將船舶從一個港口轉移到另一個港口修理，或為了此種修理
而須試航的情況除外，在上述情況下，本保險僅對船舶在航期間所產生的工資和給養負責。
17代理佣金
在任何情況下，本保險不負責賠償被保險人為索取和提供資料和文件所花費的時間和勞
務，以及被保險人委派或以其名義行事的管理人、代理人、管理或代理公司或諸如此類的公
司為進行此種服務而收取的佣金或費用。
18未修理的損壞
18.1 對未修理的損害賠償的限度，應為本保險終止時的船舶市場價值由於此種未修理
的損害引起的合理貶價值，但不得超過合理的修理費用。
18.2 在任何情況下，若本保險期限內或本保險的延長期內發生了全損（不論本保險對
全損是否負責），保險人對未修理的損害不再負責。
18.3 保險人對未修理損害的賠償責任，不應超過本保險終止時的保險價值。
19 推定全損
19.1 在確定保險船舶是否構成推定全損時，船舶的保險價值應作為船舶修理後的價
值，不應考慮保險船舶的受損或解體價值或殘骸。
19.2 基於保險船舶的回覆和/或修理費用的推定全損索賠不應得到賠償，除非此筆費
用會超過保險價值。在作此項決定時，應僅考慮與單一次事故或由於同一事故引起後續損害
賠償有關的費用。
6
20 運費放棄
發生全損或推定全損時，不論是否收到委付通知，保險人都不對運費提出請求。
21 船舶營運費用保證
21.1 允許下列各項附加保險：
21.1.1 營運費用、經理人的佣金、利潤或船殼和機器的超值或增值；其金額不得超
過船舶價值的 25%；
21.1.2 以定期投保的運費、租金或預期運費：其金額不得超過船舶價值的 25%扣除在
上述 21.1.1 項內已投保的保險金額；
21.1.3 航次合同下的運費或租金：其金額不得超過本次及下次載貨航程的毛運費或租
金（經要求本保險可以包括一個預備航次和一箇中間空載航次在內）再加上保險費。對於定
期支付租金的航次租期合同，可保金額僅限於其超額部分，而且應從中扣除已預收或賺取的
部的運費或租金；
21.1.4 船舶空載航行且未出租時的預期運費：其金額不得超過基於投保時的運費率合
理的估算的下次載貨航程的預計總運費再加上保險費。根據 21.1.2投保的金額應予考慮，
僅其超額部分可以保險；
21.1.5 期租租金或連續航次租金：其金額不得超過租船合同項下在 18個月以內可以
收到的總租金的 50%，根據 21.1.2 的投保金額應予考慮，僅其超額部分可以保險，而且應
從中扣除根據租約已預收或賺取的租金的 50%，但如果根據 21.1.2 及本項的總保險金額不
超過根據租船合同待收到總租金的 50%時，可不作上述扣除。根據本項的保險可以自簽訂租
船合同時開始；
21.1.6 保險費：保險金額不能超過任何保險利益投保不超過 12個月所實際保險費（不
包括上述各項所保的保險費，但需要時可以包括任何保賠協會或戰爭險等項的保險費或保險
追加金），這項保險費承應逐月按比例減少；
21.1.7 退還的保險費：其金額不得超過任何保險所允許的但在保險船舶發生不論是否
由承保風險所造成的全損時不予退回的實際退費；
21.1.8 不受保險金額限制的保險：其後第 23 條、第 24條、第 25條和第 26條除外的
任何風險。
21.2 保證 21.1.1 至 21.1.7 中所列任何利益的保險，不超過所允許的保險金額，並不
得由被保險人、船東、管理人或抵押權人或以其名義在本保險有效期內安排的或將安排的包
括保險船舶的 P.P.I.、F.I.A.或須受其他類似條款的全損保險在內的其他保險。保險人不
得以違反本保證為由抗辯在接受本保險時不知道此項違反的抵押權人提出的索賠。
22 停泊和解約時的退費
22.1 按照下列規定退還保險費：
22.1.1 本保險經協議同意解除時，每一未開始的月份的淨保險費按月比例退還。
22.1.2 船舶在保險人同意的港內或閒置水域連同下文規定的特別准許停泊時，若每次
連續停泊 30天，則按下列辦法計算退回保險費：
（a） 未進行修理的，按 %計算；
（b） 進行修理的， 按 %計算
如果保險船舶修理期間，僅部分時間屬於可退費期，退費應分別另按照以上（a）、（b）
兩項中的日數比例計算。
7
22.2 但尚需符合下列條件：
22.2.1 在本保險的保險期間內或其延續期間內未發生保險船舶的全損，不論是否是由
承保危險造成的；
22.2.2 若保險船舶停泊在暴露或無防護的水域，或停泊於未經保險人認可的港口或錨
泊水域，則不予退費，但是如果保險人同意將此種未被認可的錨泊水域視為在認可的停泊港
口或水域的範圍內，則在此種未被認可的錨泊水域內停泊期間的天數可以加上在認可的港口
或水域內的天數以構成一次連續停泊 30天，而退費仍限於在認可的港口或水域內停泊天數
所佔的比例部分；
22.2.3 裝卸作業或船上有貨物不應影響退費，但保險船舶被用作儲藏或駁運貨物的任
何期間，不允許退費；
22.2.4 年保險費率修改時，上述保險費退回率也應作相應的調整；
22.2.5 根據本條可得到的退費基於連續 30天停泊期，包括在同一被保險人投保的數
個連續保險時，本保險僅負責按照上述 22.1.2（a）小項或（b）小項規定的退費率對於本
保險的保險期間內的實際停泊天數佔總停泊天數比例計算出來的退費。被保險人有權選擇此
種重疊期應自被保險人船舶閒置的第一天開始起算或自上述 22.1.2（a）小項或（b）小項
或 22.2.2 規定的連續 30天停泊期間的第一天開始起算。
下列各條是首要條款，本保險中任何與下列各條不一致的規定，均屬無效。
23戰爭除外責任
在任何情況下，本保險不承保由於下列原因引起的損失、損害、責任或費用：
23.1 戰爭、內戰、革命、造反、叛亂、或由此引起的內亂，或任何交戰方之間的敵
對行為；
23.2 捕獲、扣押、扣留、拘禁或羈押（船長或船員的惡意行為和海盜行為除外），以
及這些行為所引起的後果或進行這些行為的企圖；
23.3 被遺棄的水雷、魚雷、炸彈或其他被遺棄的戰爭武器。
24 罷工除外責任
在任何情況下，本保險不承保由於下列原因引起的損失、損害、責任或費用：
24.1 罷工者，被迫停工工人，或參加工潮、暴亂或民變的人員；
24.2 任何恐怖分子或出於政治動機的人員。
25惡意行為除外責任
在任何情況下，本保險不承保惡意地或出於政治動機而行為的人員造成的由以下原因
引起的損失、損害、責任或費用：
25.1 炸藥爆炸；
25.2 任何戰爭武器。
26 核武器除外責任
在任何情況下，本保險不承保由於應用原子或核裂變和/或聚變或其他類似反應或放射
力量或物質所製造的戰爭武器所造成的滅失、損害、責任或費用。
8
Institute Time Clauses (Hull) 1/10/83
This insurance is subject to English law and practice.
1 NAVIGATION
1.1 The Vessel is covered subject to the provisions of this insurance at all
times and has leave to sail or navigate with or without pilots, to go on trial trips
and to assist and tow vessels or craft in distress, but it is warranted that the
Vessel shall not be towed, except as is customary or to the first safe port or place
when in need of assistance, or undertake towage or salvage services under a contract
previously arranged by the Assured and/or Owners and/or Managers and/or Charterers.
This Clause 1.1, shall not exclude customary towage in connection with loading and
discharging,
1.2 In the event of the Vessel being employed in trading operations which entail
cargo loading or discharging at sea from or into another vessel (not being a harbour
or inshore craft) no claim shall be recoverable under this insurance for loss of
or damage to the Vessel or liability to any other vessel arising from such loading
or discharging operations, including whilst approaching, lying alongside and
leaving, unless previous notice that the Vessel is to be employed in such operations
has been given to the Underwriters and any amended terms of cover and any additional
premium required by them have been agreed.
1.3 In the event of the Vessel sailing (with or without cargo) with an intention
of being (a) broken up, or (b) sold for breaking up, any claim for loss of or damage
to the Vessel occurring subsequent to such sailing shall be limited to the market
value of the Vessel as scrap at the time when the loss or damage is sustained, unless
previous notice has been given to the Underwriters and any amendments to the terms
of cover insured value and premium required by them have been agreed. Nothing in
this Clause 1.3 shall affect claims under Clauses 8 and/or 11.
2 CONTINUATION
Should the Vessel at the expiration of this insurance be at sea or in distress
or at a port of refuge or of call, she shall, provided previous notice be given to
the Underwriters, be held covered at a pro rata monthly premium to her port of
destination.
3 BREACH OF WARRANTY
Held covered in case of any breach of warranty as to cargo, trade, locality towage,
salvage services or date of sailing, provided notice be given to the Underwriters
immediately after receipt of advices and any amended terms of cover and any
additional premium required by them be agreed.
4 TERMINATION
This Clause 4 shall prevail notwithstanding any provision whether written typed
9
or printed in this insurance inconsistent therewith.
Unless the Underwriters agree to the contrary in writing, this insurance shall
terminate automatically at the time of
4.1 change of the Classification Society of the Vessel, or change, suspension,
discontinuance, withdrawal or expiry of her Class therein, provided that if the
Vessel is at sea such automatic termination shall be deferred until arrival at her
next port. However where such change, suspension, discontinuance or withdrawal of
her Class has resulted from loss or damage covered by Clause 6 of this insurance
or which would be covered by an insurance of the Vessel subject to current Institute
War and Strikes Clauses Hulls-Time such automatic termination shall only operate
should the Vessel sail from her next port without the prior approval of the
Classification Society.
4.2 any change, voluntary or otherwise, in the ownership or flag, transfer to
new management, or charter on a bareboat basis, or requisition for title or use of
the Vessel, provided that, if the Vessel has cargo on board and has already sailed
from her loading port or is at sea in ballast, such automatic termination shall if
required be deferred, whilst the Vessel continues her planned voyage, until arrival
at final port of discharge if with cargo or at port of destination if in ballast.
However in the event a requisition for title or use without the prior execution of
a written agreement by the Assured, such automatic termination shall occur fifteen
days after such requisition whether the Vessel is at sea or in port.
A pro rata daily net return of premium shall be made.
5 ASSIGNMENT
No assignment of or interest in this insurance or in any moneys which may be
or become payable thereunder is to be binding on or recognised by the Underwriters
unless a dated notice of such assignment or interest signed by the Assured, and by
the assignor in the case of subsequent assignment, is endorsed on the Policy and
the policy with such endorsement is produced before payment of any claim or return
of premium thereunder.
6 PERILS
6.1 This insurance covers loss of or damage to the subject-matter insured caused
by
6.1.1 perils of the seas rivers lakes or other navigable waters
6.1.2 fire, explosion
6.1.3 violent theft by persons from outside the Vessel
6.1.4 jettison
6.1.5 piracy
10
6.1.6 breakdown of or accident to nuclear installations or reactors
6.1.7 contact with aircraft or similar objects, or objects falling therefrom,
land conveyance, dock or harbour equipment or installation
6.1.8 earthquake volcanic eruption or lightning.
6.2 This insurance covers loss of or damage to the subject-matter insured caused
by
6.2.1 accidents in loading discharging or shifting cargo or fuel
6.2.2 bursting of boilers breakage of shafts or any latent defect in the
machinery or hull
6.2.3 negligence of Master Officers Crew or Pilots
6.2.4 negligence of repairers or charterers provided such repairers or
charterers are not an Assured hereunder
6.2.5 barratry of Master Officers or Crew
provided such loss or damage has not resulted from want of due diligence by the
Assured, Owners or Managers.
6.3 Master Officers Crew or Pilots not to be considered Owners within the meaning
of this Clause 6 should they hold shares in the Vessel
7 POLLUTION HAZARD
This insurance covers loss of or damage to the Vessel caused by any governmental
authority acting under the powers vested in it to prevent or mitigate a pollution
hazard, or threat thereof, resulting directly from damage to the Vessel for which
the Underwriters are liable under this insurance, provided such act of governmental
authority has not resulted from want of due diligence by the Assured, the Owners,
or Managers of the Vessel or any of them to prevent or mitigate such hazard or threat.
Master, Officers, Crew or Pilots not to be considered Owners within the meaning of
this Clause 7 should they hold shares in the Vessel.
8 3/4THS COLLISION LIABILITY
8.1 The Underwriters agree to Indemnify the Assured for three-fourths of any
sum or sums paid by the Assured to any other person or persons by reason of the Assured
becoming legally liable by way of damages for
8.1.1 loss of or damage to any other vessel or property on any other vessel
8.1.2 delay to or loss of use of any such other vessel or property thereon
8.1.3 general average of, salvage of, or salvage under contract of, any such
other vessel or property thereon, where such payment by the Assured is in consequence
of the Vessel hereby insured coming into collision with any other vessel.
11
8.2 The indemnity provided by this Clause 8 shall be in addition to the indemnity
provided by the other terms and conditions of this insurance and shall be subject
to the following provisions:
8.2.1 Where the insured Vessel is in collision with another vessel and both
vessels are to blame then, unless the liability of one or both vessels becomes limited
by law, the indemnity under this Clause 8 shall be calculated on the principle of
cross-liabilities as if the respective Owners had been compelled to pay to each other
such proportion of each other's damages as may have been properly allowed in
ascertaining the balance or sum payable by or to the Assured in consequence of the
collision,
8.2.2 In no case shall the Underwriters' total liability under Clauses 8.1 and
8.2 exceed their proportionate part of three-fourths of the insured value of the
Vessel hereby insured in respect of any one collision.
8.3 The Underwriters will also pay three-fourths of the legal costs incurred
by the Assured or which the Assured may be compelled to pay in contesting liability
or taking proceedings to limit liability with the prior written consent of the
Underwriters.
Exclusions
8.4 Provided always that this Clause 8 shall in no case extend to any sum which
the Assured shall pay for or in respect of
8.4.1 removal or disposal of obstructions, wrecks, cargoes or any other thing
whatsoever
8.4.2 any real or personal property or thing whatsoever except other vessels
or property on other vessels
8.4.3 the cargo or other property on, or the engagements of, the insured Vessel
8.4.4 loss of life, personal injury or illness
8.4.5 pollution or contamination of any real or personal property or thing
whatsoever (except other vessels with which the insured Vessel is in collision or
property on such other vessels).
9 SISTERSHIP
Should the Vessel hereby insured come into collision with or receive salvage
services from another vessel belonging wholly or in part to the same Owners or under
the same management, the Assured shall have the same rights under this insurance
as they would have were the other vessel entirely the property of Owners not
interested in the Vessel hereby insured; but in such cases the liability for the
collision or the amount payable for the services rendered shall be referred to a
sole arbitrator to be agreed upon between the Underwriters and the Assured.
12
10 NOTICE OF CLAIM AND TENDERS
10.1 In the event of accident whereby loss or damage may result in a claim under
this insurance, notice shall be given to the Underwriters prior to survey and also,
if the Vessel is abroad, to the nearest Lloyd's Agent so that a surveyor may be
appointed to represent the Underwriters should they so desire.
10.2 The Underwriters shall be entitled to decide the port to which the Vessel
shall proceed for docking or repair (the actual additional expense of the voyage
arising from compliance with the Underwriters. requirements being refunded to the
Assured) and shall have a right of veto concerning a place of repair or a repairing
firm.
10.3 The Underwriters may also take tenders or may require further tenders to
be taken for the repair of the Vessel.
Where such a tender has been taken and a tender is accepted with the approval
of the Underwriters, an allowance shall be made at the rate of 300fo per annum on
the insured value for time lost between the despatch of the invitations to tender
required by Underwriters and the acceptance of a tender to the extent that such time
is lost solely as the result of tenders having been taken and provided that the tender
is accepted without delay after receipt of the Underwriters' approval.
Due credit shall be given against the allowance as above for any amounts
recovered in respect of fuel and stores and wages and maintenance of the Master
Officers and Crew or any member thereof, including amounts allowed in general average,
and for any amounts recovered from third parties in respect of damages for detention
and/or loss of profit and/or running expenses, for the period covered by the tender
allowance or any part hereof, Where a part of the cost of the repair of damage other
than a fixed deductible is not recoverable from the Underwriters, the allowance shall
be reduced by a similar proportion.
10.4 In the event of failure to comply with the conditions of this Clause 10
a deduction of 15% shall be made from the amount of the ascertained claim.
11 GENERAL AVERAGE AND SALVAGE
11.1 This insurance covers the Vessel's proportion of salvage, salvage charges
and/or general average, reduced in respect of any under-insurance, but in case of
general average sacrifice of the Vessel the Assured may recover in respect of the
whole loss without first enforcing their right of contribution from other parties.
11.2 Adjustment to be according to the law and practice obtaining at the place
where the adventure ends, as if the contract of affreightment contained no special
terms upon the subject: but where the contract of affreightment so provides the
adjustment shall be according to the York-Antwerp Rules.
11.3 When the Vessel sails in ballast, not under charter the provisions of the
13
York-Antwerp Rules, 1974 (excluding Rules XX and XXI) shall be applicable, and the
voyage for this purpose shall be deemed to continue from the port or place of
departure until the arrival of the Vessel at the first port or place thereafter other
than a port or place of refuge or a port or place of call for bunkering only If at
any such intermediate port or place there is an abandonment of the adventure
originally contemplated the voyage shall thereupon be deemed to be terminated.
11.4 No claim under this Clause 11 shall in any case be allowed where the loss
was not incurred to avoid or in connection with the avoidance of a peril insured
against.
12 DEDUCTIBLE
12.1 No claim arising from a peril insured against shall be payable under this
insurance unless the aggregate of all such claims arising out of each separate
accident or occurrence (including claims under Clauses 8,11 and 13) exceeds
_________________ in which case this sum shall be deducted. Nevertheless the expense
of sighting the bottom after stranding, if reasonably incurred specially for that
purpose, shall be paid even if no damage be found, This Clause 12,1 shall not apply
to a claim for total or constructive total loss of the Vessel or in the event of
such a claim, to any associated claim under Clause 13 arising from the same accident
or occurrence.
12.2 Claims for damage by heavy weather occurring during a single sea passage
between two successive ports shall be treated as being due to one accident. In the
case of such heavy weather extending over a period not wholly covered by this
insurance the deductible to be applied to the claim recoverable hereunder shall be
the proportion of the above deductible that the number of days of such heavy weather
falling within the period of this insurance bears to the number of days of heavy
weather during the single sea passage, The expression "heavy weather" in this Clause
12.2 shall be deemed to include contact with floating ice.
12.3 Excluding any interest comprised therein, recoveries against any claim
which is subject to the above deductible shall be credited to the Underwriters in
full to the extent of the sum by which the aggregate of the claim unreduced by any
recoveries exceeds the above deductible.
12.4 Interest comprised in recoveries shall be apportioned between the Assured
and the Underwriters, taking into account the sums paid by the Underwriters and the
dates when such payments were made, notwithstanding that by the addition of interest
the Underwriters may receive a larger sum than they have paid.
13 DUTY OF ASSURED (SUE AND LABOUR)
13.1 In case of any loss or misfortune it is the duty of the Assured and their
servants and agents to take such measures as may be reasonable for the purpose of
averting or minimising a loss which would be recoverable under this insurance.
14
13.2 Subject to the provisions below and to Clause 12 the Underwriters will
contribute to charges properly and reasonably incurred by the Assured their servants
or agents for such measures. General average, salvage charges (except as provided
for in Clause 13,5) and collision defence or attack costs are not recoverable under
this Clause 13.
13.3 Measures taken by the Assured or the Underwriters with the object of saving,
protecting or recovering the subject-matter insured shall not be considered as a
waiver or acceptance of abandonment or otherwise prejudice the rights of either
party.
13.4 When expenses are incurred pursuant to this Clause 13 the liability under
this insurance shall not exceed the proportion of such expenses that the amount
insured hereunder bears to the value of the Vessel as stated herein, or to the sound
value of the Vessel at the time of the occurrence giving rise to the expenditure
if the sound value exceeds that value, Where the Underwriters have admitted a claim
for total loss and property insured by this insurance is saved, the foregoing
provisions shall not apply unless the expenses of suing and labouring exceed the
value of such property saved and then shall apply only to the amount of the expenses
which is in excess of such value.
13.5 When a claim for total loss of the Vessel is admitted under this insurance
and expenses have been reasonably incurred in saving or attempting to save the Vessel
and other property and there are no proceeds, or the expenses exceed the proceeds,
then this insurance shall bear its pro rata share of such proportion of the expenses,
or of the expenses in excess of the proceeds, as the case may be, as may reasonably
be regarded as having been incurred in respect of the Vessel; but if the Vessel be
insured for less than its sound value at the time of the occurrence giving rise to
the expenditure, the amount recoverable under this clause shall be reduced in
proportion to the under-insurance.
13.6 The sum recoverable under this Clause 13 shall be In addition to the loss
otherwise recoverable under this insurance but shall in no circumstances exceed the
amount insured under this insurance in respect of the Vessel.
14 NEW FOR OLD
Claims payable without deduction new for old.
15 BOTTOM TREATMENT
In no case shall a claim be allowed in respect of scraping grit blasting and/or
other surface preparation or painting of the Vessel's bottom except that
15.1 grit blasting and/or other surface preparation of new bottom plates ashore
and supplying and applying any "shop" primer thereto,
15.2 grit blasting and/or other surface preparation of:
15
the butts or area of plating immediately adjacent to any renewed or refitted
plating damaged during the course of welding and/or repairs, areas of plating damaged
during the course of fairing, either in place or ashore,
15.3 supplying and applying the first coat of primer/anti-corrosive to those
particular areas mentioned in 15.1 and 15.2 above, shall be allowed as part of the
reasonable cost of repairs in respect of bottom plating damaged by an insured peril.
16 WAGES AND MAINTAINANCE
No claims shall be allowed, other than in general average, for wages and
maintenance of the Master Officers and Crew, or any member thereof except when
incurred solely for the necessary removal of the Vessel from one port to another
for the repair of damage covered by the Underwriters, or for trial trips for such
repairs, and then only for such wages and maintenance as are incurred whilst the
Vessel is under way.
17 AGENCY COMMISSION
In no case shall any sum be allowed under this insurance either by way of
remuneration of the Assured for time and trouble taken to obtain and supply
information or documents or in respect of the commission or charges of any manager,
agent. managing or agency company or the like, appointed by or on behalf of the
Assured to perform such services.
18 UNREPAIRED DAMAGE
18.1 The measure of indemnity In respect of claims for unrepaired damage shall
be the reasonable depreciation in the market value of the Vessel at the time this
insurance terminates arising from such unrepaired damage, but not exceeding the
reasonable cost of repairs.
18.2 In no case shall the Underwriters be liable for unrepaired damage In the
event of a subsequent total loss (whether or not covered under this insurance)
sustained during the period covered by this insurance or any extension thereof.
18.3 The Underwriters shall not be liable in respect of unrepaired damage for
more than the insured value at the time this insurance terminates.
19 CONSTRUCTIVE TOTAL LOSS
19.1 In ascertaining whether the Vessel is a constructive total loss, the insured
value shall be taken as the repaired value and nothing in respect of the damaged
or break-up value of the Vessel or wreck shall be taken into account.
19.2 No claim for constructive total loss based upon the cost of recovery and/or
repair of the Vessel shall be recoverable hereunder unless such cost would exceed
the insured value. In making this determination, only the cost relating to a single
accident or sequence of damages arising from the same accident shall be taken into
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account.
20 FREIGHT WAIVER
In the event of total or constructive total loss no claim to be made by the
Underwriters for freight whether notice of abandonment has been given or not.
21 DISBURSEMENT WARRANTY
21.1 Additional insurances as follows are permitted:
21.1.1 Disbursements, Managers' Commissions, Profits or Excess or increased
Value of Hull and Machinery. A sum not exceeding 25% of the value stated herein.
21.1.2 Freight, Chartered Freight or Anticipated Freight, insured for time. A
sum not exceeding 25% of the value as stated herein less any sum insured, however
described, under 21.1.1.
21.1.3 Freight, or Hire, under contracts for voyage. A sum not exceeding the
gross freight or hire for the current cargo passage and next succeeding cargo passage
(such insurance to include, if required, a preliminary and an intermediate ballast
passage) plus the charges of insurance. In the case of a voyage charter where payment
is made on a time basis, the sum permitted for insurance shall be calculated on the
estimated duration of the voyage, subject to the limitation of two cargo passages
as laid down herein. Any sum insured under 21.1.2 to be taken into account and only
the excess thereof may be insured, which excess shall be reduced as the freight or
hire is advanced or earned by the gross amount so advanced or earned.
21.1.4 Anticipated Freight if the Vessel sails in ballast and not under Charter.
A sum not exceeding the anticipated gross freight on next cargo passage, such sum
to be reasonably estimated on the basis of the current rate of freight at time of
insurance plus the charges of insurance. Any sum insured under 21.1.2 to be taken
into account and only the excess thereof may be insured
21.1.5 Time Charter Hire or Charter Hire for Series of Voyages. A sum not
exceeding 50% of the gross hire which is to be earned under the charter in a period
not exceeding 18 months. Any sum insured under 21,1,2 to be taken into account and
only the excess thereof may be insured, which excess shall be reduced as the hire
is advanced or earned under the charter by 50% of the gross amount so advanced or
earned but the sum insured need not be reduced while the total of the sums insured
under 21.1.2 and 21.1.5 does not exceed 50% of the gross hire still to be earned
under the charter An insurance under this Section may begin on the signing of the
charter.
21.1.6 Premiums. A sum not exceeding the actual premiums of all interests insured
for a period not exceeding 12 months (excluding premiums insured under the foregoing
sections but including, if required, the premium or estimated calls on any Club or
War etc. Risk insurance) reducing pro rata monthly.
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21.1.7 Returns of Premium. A sum not exceeding the actual returns which are
allowable under any insurance but which would not be recoverable thereunder in the
event of a total loss of the Vessel whether by insured perils or otherwise.
21.1.8 Insurance irrespective of amount insured against:
Any risks excluded by Clauses 23, 24, 25 and 26 below.
21.2 Warranted that no insurance on any interests enumerated in the foregoing
21.1.1 to 21.1.7 in excess of the amounts permitted therein and no other insurance
which includes total loss of the Vessel P P.I., F I.A., OI subject to any other like
term, is or shall be effected to operate during the currency of this insurance by
or for account of the Assured, Owners, Managers or Mortgagees, Provided always that
a breach of this warranty shall not afford the Underwriters any defence to a claim
by a Mortgagee who has accepted this insurance without knowledge of such breach.
22 RETURNS FOR LAY-UP AND CANCELLATION
22.1 To return as follows:
22.1.1 Pro rata monthly net for each uncommenced month if this insurance be
cancelled by agreement.
22.1.2 For each period of 30 consecutive days the Vessel may be laid up in a
port or in a lay-up area provided such port or lay-up area is approved by the
Underwriters (with special liberties as hereinafter allowed)
(a) per cent not under repair
(b) per cent under repair
If the Vessel is under repair during part only of a period for which a return
is claimable, the return shall be calculated pro rata to the number of days under
(a) and (b) respectively.
22.2 PROVIDED ALWAYS THAT
22.2.1 a total loss of the Vessel, whether by insured perils or otherwise, has
not occurred during the period covered by this insurance or any extension thereof.
22.2.2 in no case shall a return be allowed when the Vessel is lying in exposed
or unprotected waters, or in a port or lay-up area not approved by the Underwriters
but, provided the Underwriters agree that such non-approved lay-up area is deemed
to be within the vicinity of the approved port or lay-up area, days during which
the Vessel is laid up in such non-approved lay-up area may be added to days in the
approved port or lay-up area to calculate a period of 30 consecutive days and a return
shall be allowed for the proportion of such period during which the Vessel is actually
laid up in the approved port or lay-up area.
22.2.3 loading or discharging operations or the presence of cargo on board shall
18
not debar returns but no return shall be allowed for any period during which the
Vessel is being used for the storage of cargo or for lightening purposes.
22.2.4 in the event of any amendment of the annual rate, the above rates of return
shall be adjusted accordingly.
22.2.5 in the event of any return recoverable under this Clause 22 being based
on 30 consecutive days which fall on successive insurances effected for the same
Assured, this insurance shall only be liable for an amount calculated at pro rata
of the period rates 22.1.2 (a) and/or (b) above for the number of days which come
within the period of this insurance and to which a return is actually applicable.
Such overlapping period shall run, at the option of the Assured, either from the
first day on which the Vessel is laid up or the first day of a period of 30 consecutive
days as provided under 22.1.2 (a) or (b), or 22.2.2 above.
The following clauses (23-26) shall be paramount and shall override anything
in this insurance inconsistent therewith
23 WAR EXCLUSION
In no case shall this insurance cover loss damage liability or expense caused
by
23.1 war civil war revolution rebellion insurrection or civil strife arising
therefrom, or any hostile act by or against a belligerent power.
23.2 capture seizure arrest restraint or detainment (barratry and piracy
excepted), and the consequences thereof or any attempt thereat.
23.3 derelict mines, torpedoes bombs or other derelict weapons of war.
24 STRIKES EXCLUSION
In no case shall this insurance cover loss damage liability or expense caused
by
24.1 strikers, locked-out workmen, or persons taking part in labour disturbances,
riots or civil commotions.
24.2 any terrorist or any person acting from a political motive.
25 MALICIOUS ACTS EXCLUSION
In no case shall this insurance cover loss damage liability or expense arising
from
25.1 the detonation of an explosive
25.2 any weapon of war
and caused by any person acting maliciously or from a political motive.
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26 NUCLEAR EXCLUSION
In no case shall this insurance cover loss, damage, liability or expense arising
from any weapon of war employing atomic or nuclear fission and/or fusion or other
like reaction or radioactive force or matter.
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