"These clauses are purely illustrative. Different policy conditions may be agreed. The specimen clauses are available to any interested person upon request. In particular:
(a) in relation to any clause which excludes losses from the cover, insurers may agree a separate insurance policy
covering such losses or may extend the clause to cover such events;
(b) In relation to clauses making cover of certain risks subject to specific conditions each insurer may alter the said
conditions."
(FOR USE WITH THE CURRENT MAR POLICY FORM)
INTERNATIONAL HULL CLAUSES (01/11/03)
PART 1 - PRINCIPAL INSURING CONDITIONS
1GENERAL
1.1Part 1, Clauses 32-36 of Part 2 and Part 3 apply to this insurance. Parts 2 and 3 shall
be those current at the date of inception of this insurance. Clauses 37-41 of Part 2 shall only apply where the Underwriters have expressly so agreed in writing.
1.2This insurance is subject to English law and practice.
1.3This insurance is subject to the exclusive jurisdiction of the English High Court of
Justice, except as may be expressly provided herein to the contrary.
1.4If any provision of this insurance is held to be invalid or unenforceable, such
invalidity or unenforceability will not affect the other provisions of this insurance, which shall remain in full force and effect.
2PERILS
2.1This insurance covers loss of or damage to the subject-matter insured caused by
2.1.1perils of the seas, rivers, lakes or other navigable waters
2.1.2fire, explosion
2.1.3violent theft by persons from outside the vessel
2.1.4jettison
2.1.5piracy
2.1.6contact with land conveyance, dock or harbour equipment or installation
2.1.7earthquake, volcanic eruption or lightning
2.1.8accidents in loading, discharging or shifting cargo, fuel, stores or parts
2.1.9contact with satellites, aircraft, helicopters or similar objects, or objects
falling therefrom.
2.2This insurance covers loss of or damage to the subject matter insured caused by
2.2.1bursting of boilers or breakage of shafts but does not cover any of the costs of
repairing or replacing the boiler which bursts or the shaft which breaks
2.2.2any latent defect in the machinery or hull, but does not cover any of the costs
of correcting the latent defect
2.2.3negligence of Master, Officers, Crew or Pilots
2.2.4negligence of repairers or charterers provided such repairers or charterers are
not an Assured under this insurance
2.2.5barratry of Master, Officers or Crew
provided that such loss or damage has not resulted from want of due diligence by the Assured, Owners or Managers.
2.3Where there is a claim recoverable under Clause 2.2.1, this insurance shall also cover
one half of the costs common to the repair of the burst boiler or the broken shaft and to the repair of the loss or damage caused thereby.
2.4Where there is a claim recoverable under Clause 2.2.2, this insurance shall also cover
one half of the costs common to the correction of the latent defect and to the repair of the loss or damage caused thereby.
2.5Master, Officers, Crew or Pilots shall not be considered Owners within the meaning
of Clause 2.2 should they hold shares in the vessel.
3LEASED EQUIPMENT
3.1This insurance covers loss of or damage to equipment and apparatus not owned by the
Assured but installed for use on the vessel and for which the Assured has assumed contractual liability, where such loss or damage is caused by a peril insured under this insurance.
3.2The liability of the Underwriters shall not exceed the lesser of the contractual liability
of the Assured for loss of or damage to such equipment or apparatus or the reasonable cost of their repair or their replacement value. All such equipment and apparatus are included in the insured value of the vessel.
4PARTS TAKEN OFF
4.1This insurance covers loss of or damage to parts taken off the vessel, where such loss
or damage is caused by a peril insured under this insurance.
4.2Where the parts taken off the vessel are not owned by the Assured but where the
Assured has assumed contractual liability for such parts, the liability of the Underwriters for such parts taken off shall not exceed the lesser of the contractual liability of the Assured for loss of or damage to such parts or the reasonable cost of their repair or their replacement value.
4.3If at the time of loss of or damage to the parts taken off the vessel, such parts are
covered by any other insurance or would be so covered but for this Clause 4, then this insurance shall only be excess of such other insurance.
4.4Cover in respect of parts taken off the vessel shall be limited to 60 days whilst not on
board the vessel. Periods in excess of 60 days shall be held covered provided notice is given to the Underwriters prior to the expiry of the 60 day period and any amended terms of cover and any additional premium required are agreed.
4.5In no case shall the total liability of the Underwriters under this Clause 4 exceed 5%
of the insured value of the vessel.
5POLLUTION 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 damage to the environment or threat thereof, resulting directly from damage to the vessel for which the Underwriters are liable under this insurance, provided that such act of governmental authority has not resulted from want of due diligence by the Assured, Owners or Managers to prevent or mitigate such hazard or damage or threat thereof. Master, Officers, Crew or Pilots shall not be considered Owners within the meaning of this Clause 5 should they hold shares in the vessel.
63/4THS COLLISION LIABILITY
6.1The 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
6.1.1loss of or damage to any other vessel or property thereon
6.1.2delay to or loss of use of any such other vessel or property thereon
6.1.3general 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 insured vessel coming
into collision with any other vessel.
6.2The indemnity provided by this Clause 6 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
6.2.1where 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 6 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
6.2.2in no case shall the total liability of the Underwriters under Clauses 6.1 and
6.2 exceed their proportionate part of three fourths of the insured value of the
insured vessel in respect of any one collision.
6.3The Underwriters shall 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, provided always that their prior written consent to the incurring of such costs shall have been obtained and that the total liability of the Underwriters under this Clause 6.3 shall not (unless the Underwriters' specific
written agreement shall have been obtained) exceed 25% of the insured value of the insured vessel.
EXCLUSIONS
6.4In no case shall the Underwriters indemnify the Assured under this Clause 6 for any
sum, which the Assured shall pay for or in respect of
6.4.1removal or disposal of obstructions, wrecks, cargoes or any other thing
whatsoever
6.4.2any real or personal property or thing whatsoever except other vessels or
property on other vessels
6.4.3the cargo or other property on, or the engagements of, the insured vessel
6.4.4loss of life, personal injury or illness
6.4.5pollution or contamination, or threats thereof, 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) or damage to the environment, or
threat thereof, save that this exclusion shall not exclude any sum which the
Assured shall pay for or in respect of salvage remuneration in which the skill
and efforts of the salvors in preventing or minimising damage to the
environment as referred to in Article 13 paragraph l(b) of the International
Convention on Salvage, 1989 have been taken into account.
7SISTERSHIP
Should the insured vessel 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 insured vessel; 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.
8GENERAL AVERAGE AND SALVAGE
8.1This insurance covers the vessel's proportion of salvage, salvage charges and/or
general average, without reduction 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.
8.2General average shall be adjusted 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.
8.3When the vessel sails in ballast, not under charter, the provisions of the York-
Antwerp Rules, 1994 (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.
8.4The Underwriters shall not be liable under this Clause 8 where the loss was not
incurred to avoid or in connection with the avoidance of a peril insured under this insurance.
8.5The Underwriters shall not be liable under this Clause 8 for or in respect of
8.5.1special compensation payable to a salvor under Article 14 of the International
Convention on Salvage, 1989 or under any other provision in any statute,
rule, law or contract which is similar in substance
8.5.2expenses or liabilities incurred in respect of damage to the environment, or
the threat of such damage, or as a consequence of the escape or release of
pollutant substances from the vessel, or the threat of such escape or release. 8.6Clause 8.5 shall not however exclude any sum which the Assured shall pay
8.6.1to salvors for or in respect of salvage remuneration in which the skill and
efforts of the salvors in preventing or minimising damage to the environment
as referred to in Article 13 paragraph l(b) of the International Convention on
Salvage, 1989 have been taken into account
8.6.2as general average expenditure allowable under Rule Xl(d) of the York-
Antwerp Rules 1994, but only where the contract of affreightment provides
for adjustment according to the York-Antwerp Rules 1994.
9DUTY OF THE ASSURED (SUE AND LABOUR)
9.1In 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.
9.2Subject to the provisions below and to Clause 15, the Underwriters shall 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
9.4), special compensation and expenses as referred to in Clause 8.5 and collision
defence or attack costs are not recoverable under this Clause 9.
9.3Measures 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.
9.4When the Underwriters have admitted a claim for total loss of the vessel 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, excluding all special compensation and expenses as referred to in Clause 8.5.
9.5The sum recoverable under this Clause 9 shall be in addition to the loss otherwise
recoverable under this insurance but shall in no circumstances exceed the insured value of the vessel.
10NAVIGATION PROVISIONS
Unless and to the extent otherwise agreed by the Underwriters in accordance with Clause 11
10.1the vessel shall not breach any provisions of this insurance as to cargo, trade or
locality (including, but not limited to, Clause 32)
10.2the vessel may navigate with or without pilots, go on trial trips and assist and tow
vessels or craft in distress, but shall not be towed, except as is customary (including customary towage in connection with loading or discharging) 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
10.3the Assured shall not enter into any contract with pilots or for customary towage
which limits or exempts the liability of the pilots and/or tugs and/or towboats and/or their owners except where the Assured or their agents accept or are compelled to accept such contracts in accordance with established local law or practice
10.4the vessel shall not be employed in trading operations which entail cargo loading or
discharging at sea from or into another vessel (not being a harbour or inshore craft). 11BREACH OF NAVIGATION PROVISIONS
In the event of any breach of any of the provisions of Clause 10, the Underwriters shall not be liable for any loss, damage, liability or expense arising out of or resulting from an accident or occurrence during the period of breach, unless notice is given to the Underwriters immediately after receipt of advices of such breach and any amended terms of cover and any additional premium required by them are agreed.
12CONTINUATION
Should the vessel at the expiration of this insurance be at sea and in distress or missing, she shall be held covered until arrival at the next port in good safety, or if in port and in distress until the vessel is made safe, at a pro rata monthly premium, provided that notice be given to the Underwriters as soon as possible.
These Clauses 13 and 14 shall prevail notwithstanding any provision whether written typed or printed in this insurance inconsistent therewith.
13CLASSIFICATION AND ISM
13.1At the inception of and throughout the period of this insurance and any extension
thereof
13.1.1the vessel shall be classed with a Classification Society agreed by the
Underwriters
13.1.2there shall be no change, suspension, discontinuance, withdrawal or expiry of
the vessel's class with the Classification Society
13.1.3any recommendations, requirements or restrictions imposed by the vessel's
Classification Society which relate to the vessel's seaworthiness or to her
maintenance in a seaworthy condition shall be complied with by the dates
required by that Society
13.1.4the Owners or the party assuming responsibility for operation of the vessel
from the Owners shall hold a valid Document of Compliance in respect of the
vessel as required by chapter IX of the International Convention for the
Safety of Life at Sea (SOLAS) 1974 as amended and any modification
thereof
13.1.5the vessel shall have in force a valid Safety Management Certificate as
required by chapter IX of the International Convention for the Safety of Life
at Sea (SOLAS) 1974 as amended and any modification thereof.
13.2Unless the Underwriters agree to the contrary in writing, in the event of any breach of
any of the provisions of Clause 13.1, this insurance shall terminate automatically at the time of such breach, provided
13.2.1that if the vessel is at sea at such date, such automatic termination shall be
deferred until arrival at her next port
13.2.2where such change, suspension, discontinuance or withdrawal of her class
under Clause 13.1.2 has resulted from loss or damage covered by Clause 2 or
by Clause 5 or by Clause 41.1.3 (if applicable) 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.
A pro rata daily net return of premium shall be made provided that a total loss of the
vessel, whether by perils insured under this insurance or otherwise, has not occurred during the period of this insurance or any extension thereof.
14MANAGEMENT
14.1Unless the Underwriters agree to the contrary in writing, this insurance shall
terminate automatically at the time of
14.1.1any change, voluntary or otherwise, in the ownership or flag of the vessel
14.1.2transfer of the vessel to new management
14.1.3charter of the vessel on a bareboat basis
14.1.4requisition of the vessel for title or use
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 of 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.
14.2Unless the Underwriters agree to the contrary in writing, this insurance shall
terminate automatically at the time of the vessel sailing (with or without cargo) with an intention of being broken up, or being sold for breaking up.
14.3In the event of termination under Clause 14.1 or Clause 14.2, a pro rata daily net
return of premium shall be made provided that a total loss of the vessel, whether by perils insured under this insurance or otherwise, has not occurred during the period of this insurance or any extension thereof.
14.4It is the duty of the Assured, Owners and Managers at the inception of and throughout
the period of this insurance and any extension thereof to
14.4.1comply with all statutory requirements of the vessel's flag state relating to
construction, adaptation, condition, fitment, equipment, operation and
manning of the vessel
14.4.2comply with all requirements of the vessel's Classification Society regarding
the reporting to the Classification Society of accidents to and defects in the
vessel.
In the event of any breach of any of the duties in this Clause 14.4, the Underwriters shall not be liable for any loss, damage, liability or expense attributable to such breach.
15DEDUCTIBLE(S)
15.1Subject to Clause 15.2, no claim arising from a peril insured under this insurance
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 2, 3, 4, 5,
6 (including, if applicable, Clause 6 as amended by Clauses 3
7 or 38), Clauses
8 and
9 and, if applicable, Clause 41 exceeds the deductible amount agreed 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 is found.
15.2No claim for loss of or damage to any machinery, shaft, electrical equipment or
wiring, boiler, condenser, heating coil or associated pipework, arising under Clauses
2.2.1 to 2.2.5 and Clause 41 (if applicable) or from fire or explosion when either has
originated in a machinery space, shall be payable under this insurance unless the aggregate of all such claims arising out of each separate accident or occurrence exceeds the additional machinery damage deductible amount agreed (if any) in which case that amount shall be deducted. Any balance remaining, after application of this deductible, with any other claim arising from the same accident or occurrence, shall then be subject to the deductible referred to in Clause 15.1.
15.3Clauses 15.1 and 15.2 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 9 arising from the same accident or occurrence.
15.4Claims 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 under this insurance shall be the proportion of the deductible in Clause 15.1 that the number of days of such heavy weather falling within the period of this insurance and any extension thereof bears to the number of days of heavy weather during the single sea passage. The expression "heavy weather" in this Clause 15.4 shall be deemed to include contact with floating ice.
15.5Claims for damage occurring during each separate lightening operation and/or each
separate cargo loading or discharging operation from or into another vessel at sea, where recoverable under this insurance, shall be treated as being due to one accident. 16NEW FOR OLD
Claims recoverable under this insurance shall be payable without deduction on the basis of new for old.
17BOTTOM TREATMENT
The Underwriters shall not be liable in respect of scraping, gritblasting and/or other surface preparation or painting of the vessel's bottom except that
17.1gritblasting and/or other surface preparation of new bottom plates ashore and
supplying and applying any "shop" primer thereto
17.2gritblasting and/or other surface preparation of
17.2.1the butts or area of plating immediately adjacent to any renewed or refitted
plating damaged during the course of welding and/or repairs
17.2.2areas of plating damaged during the course of fairing, either in place or
ashore
17.3supplying and applying the first coat of primer/anti-corrosive to those particular areas
mentioned in Clauses 17.1 and 17.2
17.4supplying and applying anti-fouling coatings to those particular areas mentioned in
Clauses 17.1 and 17.2,
shall be included as part of the reasonable cost of repairs in respect of damage to bottom plating caused by a peril insured under this insurance.
18WAGES AND MAINTENANCE
Other than in general average, the Underwriters shall not be liable 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.
19AGENCY COMMISSION
No sum shall be recoverable 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.
20UNREPAIRED DAMAGE
20.1The 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.
20.2In no case shall the Underwriters be liable for unrepaired damage in the event of a
subsequent total loss of the vessel (whether by perils insured under this insurance or
otherwise) sustained during the period of this insurance or any extension thereof. 20.3The Underwriters shall not be liable in respect of unrepaired damage for more than
the insured value of the vessel at the time this insurance terminates.
21CONSTRUCTIVE TOTAL LOSS
21.1In ascertaining whether the vessel is a constructive total loss, 80% of the insured
value of the vessel 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.
21.2No claim for constructive total loss of the vessel based upon the cost of recovery
and/or repair of the vessel shall be recoverable hereunder unless such cost would
exceed 80% of the insured value of the vessel. 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 account.
22FREIGHT WAIVER
If a total or constructive total loss of the vessel has been admitted by the Underwriters, they shall make no claim for freight whether notice of abandonment has been given or not.
23ASSIGNMENT
No assignment of or interest in this insurance or in any moneys which may be or become payable under this insurance 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 under this insurance.
24DISBURSEMENTS WARRANTY
24.1Additional insurances as follows are permitted by the Underwriters:
24.1.1Disbursements, Managers' Commissions, Profits or Excess or Increased
Value of Hull and Machinery. A sum not exceeding 25% of the value stated
herein.
24.1.2Freight, 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 Clause 24.1.1
24.1.3Freight 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 Clause 24.1.2to 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.
24.1.4Anticipated 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
Clause 24.1.2to be taken into account and only the excess thereof may be
insured.
24.1.5Time 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 18months. Any sum insured under Clause 24.1.2to 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 Clause 24.1.2and Clause
24.1.5does not exceed 50%of the gross hire still to be earned under the
charter. An insurance under this Clause may begin on the signing of the
charter.
24.1.6Premiums. A sum not exceeding the actual premiums of all interests insured
for a period not exceeding 12months (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.
24.1.7Returns 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 perils insured
under this insurance or otherwise.
24.1.8Insurance irrespective of amount against. Any risks excluded by Clauses 29,
30 and 31.
24.2It is warranted that no insurance on any interests enumerated in the foregoing Clauses
24.1.1to 24.1.7in excess of the amounts permitted therein and no other insurance
which includes total loss of the vessel P.P.I., F.I.A., or subject to any other like term, is or shall be effected to operate during the period of this insurance or any extension thereof 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.
25CANCELLING RETURNS
If this insurance shall be cancelled by agreement, the Underwriters shall pay a pro rata monthly net return of premium for each uncommenced month, provided always that a total loss of the vessel, whether by perils insured under this insurance or otherwise, has not occurred during the period of this insurance or any extension thereof.
26SEPARATE INSURANCES
If more than one vessel is insured under this insurance, each vessel insured is deemed
to be separately insured, as if a separate policy had been issued in respect of each vessel.
27SEVERAL LIABILITY
The Underwriters' obligations are several and not joint and are limited solely to the extent of their individual subscriptions. The Underwriters are not responsible for the subscription of any co-subscribing Underwriter who for any reason does not satisfy all or part of its obligations.
28AFFILIATED COMPANIES
In the event of the vessel being chartered by an associated, subsidiary or affiliated company of the Assured, and in the event of loss of or damage to the vessel by perils insured under this insurance, the Underwriters waive their rights of subrogation against such charterers, except to the extent that any such charterer has the benefit of liability cover for such loss or damage.
These Clauses 29, 30 and 31 shall be paramount and shall override anything contained in this insurance inconsistent therewith.
29WAR & STRIKES EXCLUSION
In no case shall this insurance cover loss, damage, liability or expense caused by 29.1war, civil war, revolution, rebellion, insurrection, or civil strife arising therefrom, or
any hostile act by or against a belligerent power
29.2capture, seizure, arrest, restraint or detainment (barratry and piracy excepted), and the
consequences thereof or any attempt thereat
29.3derelict mines, torpedoes, bombs or other derelict weapons of war.
29.4strikers, locked-out workmen, or persons taking part in labour disturbances, riots or
civil commotions.
30TERRORIST, POLITICAL MOTIVE AND MALICIOUS ACTS EXCLUSION In no case shall this insurance cover loss, damage, liability or expense
arising from
30.1any terrorist
30.2any person acting from a political motive
30.3the use of any weapon or the detonation of an explosive by any person acting
maliciously or from a political motive.
31RADIOACTIVE CONTAMINATION, CHEMICAL, BIOLOGICAL, BIO-CHEMICAL AND ELECTROMAGNETIC WEAPONS EXCLUSION
In no case shall this insurance cover loss, damage, liability or expense directly or indirectly caused by or contributed to by or arising from
31.1ionising radiations from or contamination by radioactivity from any nuclear fuel or
from any nuclear waste or from the combustion of nuclear fuel
31.2the radioactive, toxic, explosive or other hazardous or contaminating properties of
any nuclear installation, reactor or other nuclear assembly or nuclear component thereof
31.3any weapon or device employing atomic or nuclear fission and/or fusion or other like
reaction or radioactive force or matter
31.4the radioactive, toxic, explosive or other hazardous or contaminating properties of
any radioactive matter. The exclusion in this Clause 31.4 does not extend to radioactive isotopes, other than nuclear fuel, when such isotopes are being prepared, carried, stored, or used for commercial, agricultural, medical, scientific or other similar peaceful purposes
31.5any chemical, biological, bio-chemical or electromagnetic weapon.
PART 2 - ADDITIONAL CLAUSES (01/11/03)
32NAVIGATING LIMITS
Unless and to the extent otherwise agreed by the Underwriters in accordance with Clause 33, the vessel shall not enter, navigate or remain in the areas specified below at any time or, where applicable, between the dates specified below (both days inclusive):
Area 1 - Arctic
(a) North of 70o N. Lat.
(b) Barents
Sea
except for calls at Kola Bay, Murmansk or any port or place in Norway, provided that the vessel does not enter, navigate or remain north of 72o30'N. Lat. or east of 35o E.
Long.
Area 2 - Northern Seas
Sea.
(a) White
Sea
(b) Chukchi
Area 3 - Baltic
(a) Gulf of Bothnia north of a line between Umea (63o50'N. Lat.) and Vasa
(63o06'N. Lat.) between 10th December and 25th May.
(b) Where the vessel is equal to or less than 90,000 DWT, Gulf of Finland east of
28o45'E.Long. between 15th December and 15th May.
(c) Vessels greater than 90,000 DWT may not enter, navigate or remain in the
Gulf of Finland east of 28o45'E. Long. at any time.
(d) Gulf of Bothnia, Gulf of Finland and adjacent waters north of 59o24'N. Lat.
between 8th January and 5th May, except for calls at Stockholm, Tallinn or
Helsinki.
(e) Gulf of Riga and adjacent waters east of 22o E. Long. and south of 59o N. Lat.
between 28th December and 5th May.
Area 4 - Greenland
Greenland territorial waters.
Area 5 - North America (east)
(a) North of 52o 10'N. Lat. and between 50o W. Long. and 100o W. Long.
(b) Gulf of St. Lawrence, St. Lawrence River and its tributaries (east of Les
Escoumins), Strait of Belle Isle (west of Belle Isle), Cabot Strait (west of a
line between Cape Ray and Cape North) and Strait of Canso (north of the
Canso Causeway), between 21st December and 30th April.
(c)
St. Lawrence River and its tributaries (west of Les Escoumins) between 1st
December and 30th April. (d) St. Lawrence Seaway
(e) Great Lakes.
Area 6 - North America (west)
(a) North of 54o 30'N. Lat. and between 100o W. Long. and 170o W. Long.
(b) Any port of place in the Queen Charlotte Islands or the Aleutian Islands
Area 7 - Southern Ocean
South of 50o S. Lat. except within the triangular area formed by rhumb lines drawn between the following points
(a) 50o S. Lat.; 50o W. Long
(b) 57o S. Lat.; 67o 30'W. Long.
(c) 50o S Lat.; 160o W. Long.
Area 8 - Kerguelen/Crozet
Territorial waters of Kerguelen Islands and Crozet Islands.
Area 9 - East Asia
(a) Sea of Okhotsk north of 55o N. Lat. and east of 140o E. Long. between 1st
November and 1st June.
(b)
Sea of Okhotsk north of 53o N. Lat. and west of 140o E. Long. between 1st November and 1st June. (c) East Asian waters north of 46o N. Lat. and west of the Kurile Islands and west
of the Kamchatka Peninsula between 1st December and 1st May.
Area 10 - Bering Sea
Bering Sea except on through voyages and provided that
(a)
vessel does not enter, navigate or remain north of 54o 30'N. Lat.; and (b) the vessel enters and exits west of Buldir Island or through the Amchitka,
Amukta or Unimak passes; and
(c) the vessel is equipped and properly fitted with two independent marine radar
sets, a global positioning system receiver (or Loran-C radio positioning
receiver), a radio transceiver and GMDSS, a weather facsimile recorder (or
alternative equipment for the receipt of weather and routing information) and
a gyrocompass, in each case to be fully operational and manned by qualified
personnel; and
(d) the vessel is in possession of appropriate navigational charts corrected up to
date, sailing directions and pilot books.
33PERMISSION FOR AREAS SPECIFIED IN NAVIGATING LIMITS
The vessel may breach Clause 32 and Clause 11 shall not apply, provided always that the Underwriters' prior permission shall have been obtained and any amended terms of cover and any additional premium required by the Underwriters are agreed.
34RECOMMISSIONING CONDITION
As a condition precedent to the liability of the Underwriters, the vessel shall not leave her lay-up berth under her own power or navigate following a lay-up period of more than 180 consecutive days unless the Assured has arranged for the Classification Society or a surveyor agreed by the Underwriters to examine the vessel and has carried out any repairs or requirements recommended by the Classification Society or such surveyor.
35PREMIUM PAYMENT
35.1The Assured undertakes that the premium shall be paid
35.1.1in full to the Underwriters within 45 days (or such other period as may be
agreed) of inception of this insurance; or
35.1.2where payment by instalment premiums has been agreed
(a) the first instalment premium shall be paid within 45 days (or such other
period as may be agreed) of inception of this insurance, and
(b)the second and subsequent instalments shall be paid by the date they are due.
35.2If the premium (or the first instalment premium) has not been so paid to the
Underwriters by the 46th day (or the day after such period as may have been agreed) from the inception of this insurance (and, in respect of the second and subsequent instalment premiums, by the date they are due), the Underwriters shall have the right to cancel this insurance by notifying the Assured via the broker in writing.
35.3The Underwriters shall give not less than 15 days prior notice of cancellation to the
Assured via the broker. If the premium or instalment premium due is paid in full to
the Underwriters before the notice period expires, notice of cancellation shall automatically be revoked. If not, this insurance shall automatically terminate at the end of the notice period.
35.4In the event of cancellation under this Clause 35, premium is due to the Underwriters
on a pro rata basis for the period that the Underwriters are on risk but the full premium shall be payable to the Underwriters in the event of loss, damage, liability or expense arising out of or resulting from an accident or occurrence prior to the date of
termination which gives rise to a recoverable claim under this insurance.
35.5Unless otherwise agreed, the Leading Underwriter(s) designated in the slip or policy
are authorised to exercise rights under this Clause 35 on their own behalf and on behalf of all cosubscribing Underwriters. Nothing in this Clause 35.5 shall, however, prevent any co-subscribing Underwriter from exercising rights under this Clause 35 on its own behalf.
35.6Where the premium is to be paid through a Market Bureau, payment to the
Underwriters will be deemed to occur on the day of delivery of a premium advice
note to the Bureau.
36CONTRACTS (RIGHTS OF THIRD PARTIES) ACT 1999
36.1No benefit of this insurance is intended to be conferred on or enforceable by any
party other than the Assured, save as may be expressly provided herein to the contrary.
36.2This insurance may by agreement between the Assured and the Underwriters be
rescinded or varied without the consent of any third party to whom the enforcement
of any terms has been expressly provided for.
37FIXED AND FLOATING OBJECTS
If the Underwriters have expressly agreed in writing, then Clauses 6 and 7 are amended to read as follows
6.1 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
6.1.1 loss of or damage to any other vessel or fixed or floating object or
property thereon
6.1.2 delay to or loss of use of any such other vessel or fixed or floating
object or property thereon
6.1.3 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 insured vessel
coming into collision with any other vessel or striking any fixed or floating
object.
6.2 The indemnity provided by this Clause 6 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
6.2.1 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 6 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
6.2.2 in no case shall the total liability of the Underwriters under Clauses
6.1 and 6.2 exceed their proportionate part of three fourths of the
insured value of the insured vessel in respect of any one collision.
6.3 The Underwriters shall 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, provided always that their
prior written consent to the incurring of such costs shall have been obtained
and that the total liability of the Underwriters under this Clause 6.3 shall not
(unless the Underwriters' specific written agreement shall have been
obtained) exceed 25% of the insured value of the insured vessel.
EXCLUSIONS
6.4 In no case shall the Underwriters indemnify the Assured under this
Clause 6 for any sum which the Assured shall pay for or in respect of
6.4.1 removal or disposal of obstructions, wrecks, cargoes or any other
thing whatsoever
6.4.2 any real or personal property or thing whatsoever except other
vessels or any fixed or floating object struck by the insured vessel or
property on other vessels or any such fixed or floating object
6.4.3 the cargo or other property on, or the engagements of, the
insured vessel
6.4.4 loss of life, personal injury or illness
6.4.5 pollution or contamination, or threats thereof, 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) or
damage to the environment, or threat thereof, save that this exclusion
shall not exclude any sum which the Assured shall pay for or in
respect of salvage remuneration in which the skill and efforts of the
salvors in preventing or minimising damage to the environment as
referred to in Article 13 paragraph l(b) of the International
Convention on Salvage, 1989 have been taken into account.
7. Should the insured vessel come into collision with another vessel or fixed or
floating object belonging wholly or in part to the same owners or under the
same management 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 or the fixed or floating object entirely the property of
owners not interested in the insured vessel; 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.
384/4THS COLLISION LIABILITY
If the Underwriters have expressly agreed in writing, then Clause 6 is amended
such that the words "three fourths of" are deleted on each occasion in which they
appear in Clause 6.
39RETURNS FOR LAY-UP
39.1If the Underwriters have expressly agreed in writing, such percentage of the net
premium as agreed by the Underwriters shall be returned for each period of 30 consecutive days the vessel may be laid up, not under repair, in a port or in a lay-up area provided such port or lay-up area is approved by the Underwriters.
39.2The vessel shall not be considered to be under repair when work is undertaken in
respect of ordinary wear and tear of the vessel and/or following recommendations in the vessel's Classification Society survey, but in the case of any repairs following loss of or damage to the vessel or involving structural alterations, whether covered by this insurance or otherwise, shall be considered as under repair.
39.3PROVIDED ALWAYS THAT
39.3.1 a total loss of the vessel, whether by perils insured under this insurance or
otherwise, has not occurred during the period of this insurance or any
extension thereof
39.3.2 a return of premium shall not 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
39.3.3loading or discharging operations or the presence of cargo on board shall not
debar a return of premium but no return shall be allowed for any period
during which the vessel is being used for the storage of cargo or for lightering
purposes
39.3.4in the event of any return of premium recoverable under this Clause 39 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 agreed percentage net for the number of days which come
within the period of this insurance or any extension thereof 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 Clause 39.1
above.
40GENERAL AVERAGE ABSORBTION
40.1 If the Underwriters have expressly agreed in writing and subject to the provisions of
Clause 8, the following shall apply in the event of an accident or occurrence giving rise to a general average act under the York-Antwerp Rules 1994 or under the provisions of the general average clause in the contract of affreightment.
40.2 The Assured shall have the option of claiming the total general average, salvage and
special charges up to the amount expressly agreed by the Underwriters, without claiming general average, salvage or special charges from cargo, freight, bunkers, containers or any property not owned by the Assured on board the vessel (hereinafter the "Property Interests").
40.3 The Underwriters shall also pay the reasonable fees and expenses of the average
adjuster for calculating claims under this Clause 40, in addition to any payment made under Clause 40.2.
40.4 If the Assured claims under this Clause 40, the Assured shall not claim general
average, salvage or special charges against the Property Interests.
40.5 Claims under this Clause 40 shall be adjusted in accordance with the York-Antwerp
Rules 1994, excluding the first paragraph of Rule XX and Rule XXI, relating to commission and interest.
40.6 Claims under this Clause 40 shall be payable without the application of the
deductible(s) in Clause 15.
40.7 Without prejudice to any other defences that the Underwriters may have under this
insurance or at law, the Underwriters waive any defences to payment under this Clause 40 which would have been available to the Property Interests, if the Assured had claimed general average, salvage or special charges from the Property Interests. 40.8 In respect of payments made under this Clause 40, the Underwriters waive their rights
of subrogation against the Property Interests, save where the accident or occurrence giving rise to such payment is attributable to fault on the part of the Property Interests or any of them.
40.9 Claims under this Clause 40 shall be payable without reduction in respect of any
under-insurance.
40.10 For the purposes of this Clause 40, special charges shall mean charges incurred by the
Assured on behalf of or for the benefit of a particular interest to the adventure, for which charges the Assured is not responsible under the contract of affreightment.
41ADDITIONAL PERILS
41.1 If the Underwriters have expressly agreed in writing, this insurance covers
41.1.1the costs of repairing or replacing any boiler which bursts or shaft which
breaks, where such bursting or breakage has caused loss of or damage to the
subject matter insured covered by Clause 2.2.1, and that half of the costs
common to the repair of the burst boiler or the broken shaft and to the repair
of the loss or damage caused thereby which is not covered by Clause 2.3
41.1.2the costs of correcting a latent defect where such latent defect has caused loss
of or damage to the subject matter insured covered by Clause 2.2.2, and that
half of the costs common to the correction of the latent defect and to the
repair of the loss or damage caused thereby which is not covered by Clause
2.4
41.1.3loss of or damage to the vessel caused by any accident or by negligence,
incompetence or error of judgment of any person whatsoever
provided that such loss or damage has not resulted from want of due diligence by the Assured, Owners or Managers.
41.2Master, Officers, Crew or Pilots shall not be considered Owners within the meaning
of Clause 41.1 should they hold shares in the vessel.
PART 3 - CLAIMS PROVISIONS (01/11/03)
42LEADING UNDERWRITER(S)
42.1Where there is co-insurance in respect of this insurance, all subscribing Underwriters
agree that the Leading Underwriter(s) designated in the slip or policy may act on their behalves so as to bind them for their respective several proportions in respect of the following matters (in addition to Clause 35.5)
42.1.1the appointment of surveyors, experts, average adjusters and lawyers, in
relation to matters which may give rise to a claim under this insurance
42.1.2the duties and obligations to be undertaken by the Underwriters including, but
not limited to, the provision of security
42.1.3claims procedures, the handling of any claim (including, but not limited to,
agreements under Clause 43.2) and the pursuit of recoveries
42.1.4all payments or settlements to the Assured or to third parties under this
insurance other than those agreed on an 'ex-gratia' basis.
Notwithstanding the above, the Leading Underwriter(s), or any of them, may require any such matters to be referred to the co-subscribing Underwriters.
42.2. The co-subscribing Underwriters shall, to the extent of their respective several
proportions, indemnify and hold harmless the Leading Underwriter(s) in respect of all liabilities, costs or expenses incurred by the Leading Underwriter(s) in respect of the matters in Clause 42.1.
42.2If the Leading Underwriter(s) require expenses incurred for or on behalf of the
Underwriters to be collected for a party instructed by the Leading Underwriter(s), the collecting party shall be entitled to charge 5% of the amount collected for this service or such other amount as may be agreed in advance by the Leading Underwriter(s), such fee to be paid by the Underwriters.
42.3The agreement in this Clause 42 between the Leading Underwriter(s) and co-
subscribing Underwriters is subject to the exclusive jurisdiction of the English High Court of Justice and is subject to English law and practice.
43NOTICE OF CLAIMS
43.1In the event of an accident or occurrence whereby loss, damage, liability or expense
may result in a claim under this insurance, notice must be given to the Leading Underwriter(s) as soon as possible after the date on which the Assured, Owners or Managers become aware of such loss, damage, liability or expense so that a surveyor may be appointed if the Leading Underwriter(s) so desire.
43.2If notice is not given to the Leading Underwriter(s) within 180 days of the Assured,
Owners or Managers becoming aware of such loss, damage, liability or expense, no claim shall be recoverable under this insurance in respect of such loss, damage, liability or expense, unless the Leading Underwriter(s) agree to the contrary in writing.
中国人民财产保险股份有限公司船舶保险条款 本保险的保险标的是船舶，包括其船壳、救生艇、机器、设备、仪器、索具、燃料和物料。 本保险分为全损险和一切险。 一、责任范围 （一）全损险 本保险承保由于下列原因所造成的被保险船舶的全损： 1.地震、火山爆发、闪电或其他自然灾害； 2.搁浅、碰撞、触碰任何固定或浮动物体或其他物体或其他海上灾害； 3.火灾或爆炸； 4.来自船外的暴力盗窃或海盗行为； 5.抛弃货物； 6.核装置或核反应堆发生的故障或意外事故。 7.本保险还承保由于下列原因所造成的被保险船舶的全损: ①装卸或移动货物或燃料时发生的意外事故； ②船舶机件或船壳的潜在缺陷； ③船长、船员有意损害被保险人利益的行为； ④船长、船员和引水员、修船人员及租船人的疏忽行为； ⑤任何政府当局，为防止或减轻因承保风险造成被保险船舶损坏引起的污染，所采取的行动。
但此种损失原因应不是由于被保险人、船东或管理人未克尽职责所致的。 （二）一切险 本保险承保上述原因所造成被保险船舶的全损和部分损失以及下列责任和费用： 1.碰撞责任 ①本保险负责因被保险船舶与其他船舶碰撞或触碰任何固定的、浮动的物体或其他物体而引起被保险人应负的法律赔偿责任。 但本条对下列责任概不负责： a 人身伤亡或疾病； b 被保险船舶所载的货物或财物或其所承诺的责任； c 清除障碍物、残骸、货物或任何其他物品； d 任何财产或物体的污染或沾污（包括预防措施或清除的费用）但与被保险船舶发生碰撞的他船或其所载财产的污染或沾污不在此限。 e 任何固定的、浮动的物体以及其他物体的延迟或丧失使用的间接费用。 ②当被保险船舶与其他船舶碰撞双方均有过失时，除一方或双方船东责任受法律限制外，本条项下的赔偿应按交叉责任的原则计算。当被保险船舶碰撞物体时，亦适用此原则。 ③本条项下保险人的责任（包括法律费用）是本保险其他条款项下责任的增加部分，但对每次碰撞所负的责任不得超过船舶的保险
中国人民保险公司船舶保险条款 （1986年1月1日） 本保险的保险标的是船舶，包括其船壳、救生艇、机器、设备、仪器、索具、燃料和物料。 本保险分为全损险和一切险。 一责任范围 （一）全损险 本保险承保由于下列原因所造成的被保险船舶的全损： 1．地震、火山爆发、闪电或其他自然灾害； 2．搁浅、碰撞、触碰任何固定或浮动物体或其他物体或其他海上灾害； 3．火灾或爆炸； 4．来自船外的暴力盗窃或海盗行为； 5．抛弃货物； 6．核装置或核反应堆发生的故障或意外事故。 7．本保险还承保由于下列原因所造成的被保险船舶的全损： （1）装卸或移动货物或燃料时发生的意外事故； （2）船舶机件或船壳的潜在缺陷； （3）船长、船员有意损害被保险人利益的行为； （4）船长、船员和引水员、修船人员及租船人的疏忽行为； （5）任何政府当局，为防止或减轻因承保风险造成被保险船舶损坏引起的污染所采取的行动。
但此种损失原因应不是由于被保险人、船东或管理人未克尽职责所致的。 （二）一切险 本保险承保上述原因所造成的被保险船舶的全损和部分损失以及下列责任和费用。 1．碰撞责任 （1）本保险负责因被保险船舶与其他船舶碰撞或触碰任何固定的、浮动的物体或其他物体而引起被保险人应负的法律赔偿责任。 但本条对下列责任概不负责： A．人身伤亡或疾病； B．被保险船舶所载的货物或财物或其他承诺的责任； C．清除障碍物、残骸、货物或任何其他物品； D．任何财产或物体所造成的污染或沾污（包括预防措施或清除的费用），但与被保险船舶发生碰撞的他船或其所载财产所造成的污染或沾污不在此限； E．任何固定的、浮动的物体以及其他物体的延迟或丧失使用的间接费用。 （2）当被保险船舶与其他船舶碰撞双方均有过失时，除一方或双方船东责任受法律限制外，本条项下的赔偿应按交叉责任的原则计算。当被保险船舶触碰物体时，亦适用此原则。 （3）本条项下保险人的责任（包括法律费用）是本保险其他条款项下责任的增加部分，但对每次碰撞所负的责任不得超过船舶的保险金
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中国人民财产保险股份有限公司 船舶保险条款（2009版） 本保险的保险标的是船舶，包括其船壳、救生艇、机器、设备、仪器、索具、燃料和物料。 本保险分为全损险和一切险。 一、责任范围 （一）全损险 本保险承保由于下列原因所造成的保险船舶的全损： 1.地震、火山爆发、闪电或其他自然灾害； 2.搁浅、碰撞、触碰任何固定或浮动物体或其他物体或其他海上灾害； 3.火灾或爆炸； 4.来自船外的暴力盗窃或海盗行为； 5.抛弃货物； 6.核装置或核反应堆发生的故障或意外事故； 7.本保险还承保由于下列原因所造成的保险船舶的全损: （1）装卸或移动货物或燃料时发生的意外事故； （2）船舶机件或船壳的潜在缺陷； （3）船长、船员有意损害被保险人利益的行为； （4）船长、船员和引水员、修船人员及租船人的疏忽行为； （5）任何政府当局，为防止或减轻因承保风险造成保险船舶损坏引起的污染，所采取的行动。 但此种损失原因应不是由于被保险人、船东或管理人未克尽职责所致的。 （二）一切险 本保险承保上述原因所造成保险船舶的全损和部分损失以及下列责任和费用： 1.碰撞责任 （1）本保险负责因保险船舶与其他船舶碰撞或触碰任何固定的、浮动的物体或其他物体而引起被保险人应负的法律赔偿责任。 但本条对下列责任概不负责：
a 人身伤亡或疾病； b 保险船舶所载的货物或财物或其所承诺的责任； c 清除障碍物、残骸、货物或任何其他物品； d 任何财产或物体的污染或沾污（包括预防措施或清除的费用）但与保险船舶发生 碰撞的他船或其所载财产的污染或沾污不在此限。 e 任何固定的、浮动的物体以及其他物体的延迟或丧失使用的间接费用。 （2）当保险船舶与其他船舶碰撞双方均有过失时，除一方或双方船东责任受法律限制外，本条项下的赔偿应按交叉责任的原则计算。当保险船舶碰撞物体时，亦适用此原则。 （3）本条项下保险人的责任（包括法律费用）是本保险其他条款项下责任的增加部分，但对每次碰撞所负的责任不得超过船舶的保险金额。 2.共同海损和救助 （1）本保险负责赔偿保险船舶的共同海损、救助、救助费用的分摊部分。保险船舶若发生共同海损牺牲，被保险人可获得对这种损失的全部赔偿，而无须先行使向其他各方索取分摊额的权利。 (2)共同海损的理算应按有关合同规定或适用的法律或惯例理算，如运输合同无此规 定，应按《北京理算规则》或其他类似规则规定办理。 (3)当所有分摊方均为被保险人或当保险船舶空载航行并无其他分摊利益方时，共损 理算应按《北京理算规则》（第5条除外）或明文同意的类似规则办理，如同各分摊方不属同一人一样。该航程应自起运港或起运地至保险船舶抵达除避难港或加油港外的第一个港口为止，若在上述中途港放弃原定航次，则该航次即行终止。 3.施救 (1)由于承保风险造成船舶损失或船舶处于危险之中，被保险人为防止或减少根据本 保险可以得到赔偿的损失而付出的合理费用，保险人应予以赔付。本条不适用于共同海损、救助或救助费用，也不适用于本保险中另有规定的开支。 （2）本条项下保险人的赔偿责任是在本保险其他条款规定的赔偿责任以外，但不得超过船舶的保险金额。 二、除外责任 本保险不负责下列原因所致的损失、责任或费用： （一）不适航，包括人员配备不当、装备或装载不妥，但以被保险人在船舶开航时，知道或应该知道此种不适航为限； （二）被保险人及其代表的疏忽或故意行为； （三）被保险人克尽职则应予发现的正常磨损、锈蚀、腐烂保养不周，或材料缺陷包括不良状态部件的更换或修理； （四）战争、内战、革命、叛乱或由此引起的内乱或敌对行为；
中国大地财产保险股份有限公司 船舶建造保险（2009版）条款 第一条保险期间 本保险在保险单列明的保险期间内从保险船舶建造开工之日或上船台之日起生效，直至保险船舶建成交付订货人或船舶所有人或保险期间 满期时止。两者以先发生者为准。 在投保前已分配在船上的物资和机械设备，自保险单中列明的保险起期日开始时生效。 在保险开始生效后分配或交付给建造人的物资和机械设备，自分配或交付时生效。 在本保险单列明的保险期间内，保险船舶若提前交付给所有人满一个月者，本公司可退还被保险人规定的保险费，不足一个月者不退费。 如超过保险期间交付，必须事先书面通知本公司办理展延保险期间手续。展期满一个月者，本公司应收规定的保险费。不足一个月者不加收保 险费。 第二条保险价值和保险金额 保险价值为船舶的建成价格或最后合同价格。保险金额应按保险价值确定。被保险人如以暂定价值作为保险金额投保，应在船舶建成或确 定最后合同价格后通知本公司调整保险金额。对暂定价值超过或低于保险价值的部分，本公司按比例加收或退还保险费。 如果保险价值超过暂定价值125％时，本保险对任何一次事故或同一事件引起的一系列事故的保险船舶损失的赔偿总额，以暂定价值的125％为限。但由于保险船舶改变设计、装修或改动船型、物资变更所引起的船舶造价的变动，不适用本规定。 第三条责任范围 本公司对保险船舶的下列损失、责任和费用，负责赔偿： 1．保险船舶在船厂建造、试航和交船过程中，包括建造该船所需的在保险价值内的一切材料、机械和设备在船厂范围内装卸、运输、保管、安装、以及船舶下水、进出坞、停靠码头过程中，由于下列原因所造成的损失和费用： （l）自然灾害或意外事故； （2）工人、技术人员、船长、船员及引水人员的疏忽过失和缺乏经验； （3）船壳和设备机件的潜在缺陷； （4）因船台、支架和其他类似设备的损坏或发生故障； （5）保险船舶任何部分因设计错误而引起的损失； （6）在保险船舶下水失败后为重新下水所产生的费用； （7）为确定保险责任范围内损失所支付的合理费用，以及对船舶搁浅后为检查船底而支付的费用，即使没损失，本公司也予负责。 2．对于下列责任和费用，本公司也负责赔偿： （1）共同海损牺牲和分摊； （2）救助费用； （3）发生碰撞事故后，保险船舶对被碰撞船舶及其所载货物、浮动物件、船坞、码头或其他固定建筑物损失和延迟、丧失使用的损失以及 施救费用、共同海损和救助费用依法应负的赔偿责任，但以保险船舶的保险金额为限； （4）保险船舶遭受本条款责任范围内的损失事故后引起的清除保险船舶残骸的费用、对第三者人身伤亡赔偿责任，可以按本公司保障与赔 偿条款的有关规定给予赔偿但以保险船舶的保险金额为限； （5）在发生碰撞或其他事故后，被保险人在事先征得本公司书面同意后，为争取限制赔偿责任所支付的诉讼费用； （6）保险船舶的保险金额如低于保险价值，本公司对本款所列各项的责任或费用，按保险金额和保险价值的比例计算赔偿。 第四条除外责任 下列各项，本公司不予负责： 1．由于被保险人故意或违法行为所造成的损失； 2．对设计错误部分本身的修理、修改、更换或重建的费用及为了改进或更改设计所发生的任何费用； 3．由于被保险人对雇佣的职工的死亡、伤残或疾病所应承担的责任和费用； 4．核反应、辐射或放射性污染引起的损失或费用； 5．由于战争、敌对行为、武装冲突、炸弹的爆炸、战争武器、没收、征用、罢工、暴动、民众骚动引起的损失、费用和责任，以 及任何人的恶意行为或政治动机所引起的任何损失； 6．建造合同规定的罚款以及由于拒收和其他原因造成的间接损失； 7．由于任何国家或武装集团的拘留、扣押、禁制，使航程受阻或丧失； 8．其他不属于保险责任范围内的损失、责任和费用。 第五条承保区域 1．建造期间：限于造船厂范围内。建造船舶所需的材料、机器、设备在造船厂范围以外的任何运输、装卸、保管和建造船舶在造船厂范围 以外的任何拖航必须事先通知本公司并交付规定的保险费后方予负责； 2．试航、交船期间：20，000总吨以上的船舶的单程自航距离限于500海里，1，000总吨至20，000总吨船舶的单程自航距离限于250海里，1，000总吨以下船舶的单程自航距离限于100海里。如超过上述距离，必须事先通知本公司，并交付规定的保险费后方予负责。 第六条赔款处理
中外船舶保险条款比较 英国在海上保险方面具有悠久的历史，在18世纪就已制定了海上保险单标准格式，称为“Lloyd‘s S．G．Form”或“The S．G．Policy"。”’该格式自1779年被官方采用后，几乎未作任何修改，便被并入“1906年海上保险法)第一部分(Schedule 1)。由于该保险单含有承保船舶与货物两种风险，故被用于船舶和货物的保险，一直沿用至本世纪80年代。S．G．保险单所承保的风险范围是比较狭窄的，同时在船舶碰撞责任方面，仅负责3／4的责任，并且仅负责船舶之间的碰撞，不负责船舶碰撞固定物体或浮动物体的责任。随着时代的进步和根据时代发展的需要，S．G．保险单分别于1982年和1983年被修改，修改后的船舶保险条款分定期和航次条款。其中 1983年船舶定期保险条款又于1995年被修订，修订后的条款称为《1995年协会船舶定期保险条款) (1TCH 95)。“ITCH 95”对1983年条款的主要修改是：(1)增加了船级条款，要求被保险人重视保持原有船级，在遇到船级变动时，被保险人有义务及时通知保险人。(2)扩大了恪尽职责的适用范围，正如“ITCH95'’第6条所规定的“本保险承保由下列原因所致的保险标的的灭失或损坏……但此种灭失或损坏应不是由于被保险人、船舶所有人、管理人、监督人或其岸上任何其他管理人员未恪尽职责所致的”。显然，恪尽职责扩大对监督人和岸上其他管理人员的适用。(3)排除了对防污费用的赔偿，且不论这种费用是否属于共同海损。(4)规定了12个月的索赔通知期限。“ITCH 95'’与我国《船舶保险条款)相比，其中相当部分内容是基本相似的，特别是责任范围(除少数风险不同外)、除外责任、免赔额、保险责任终止等主要条款几乎是完全一致的。但在许多方面也存在着区别，从条款数量上看，
沿海内河船舶保险附加险条款（8个） 中国人寿财产保险股份有限公司 沿海内河船舶保险附加拖轮拖带责任保险条款 本条款为《沿海内河船舶保险》（以下简称“主险”）的附加险条款，本条款与主险条款的任何条文有抵触时，均以本条款为准；本条款未尽事宜，以主险条款为准。 本保险的保险标的是沿海、内河拖轮的拖带责任。 一、保险责任：本保险承保保险拖轮以顶推、绑（旁）拖、吊拖等方式拖带他船在可航水域发生保险事故，致使被拖带船舶以及所载货物遭受损失，根据拖带合同依法应由保险拖轮承担的赔偿责任； 二、被保险人义务：被保险人在投保时必须向保险人提供其拖带合同。在保险期内，拖带合同如有变更或更改，必须事先征得保险人同意，否则保险人有权解除本保险合同或拒绝赔偿。 沿海内河船舶保险附加船主对旅客责任保险条款 本条款为《沿海内河船舶保险》（以下简称“主险”）的附加条款。 一、本公司根据船舶保险单的记载，承担下列保险责任： 保险船舶在运输过程中发生自然灾害或意外事故，造成船舶上旅客死亡或伤残，依法应由被保险人（船主）承担的直接经济赔偿责任。 二、除外责任 （一）战争、类似战争行为、叛乱、罢工、暴动或由于核子辐射所致的旅客伤残、死亡或疾病。 （二）旅客因疾病、传染病、分娩、流产所致的本人伤残或死亡。 （三）旅客殴斗、自残、自杀、欺诈或犯罪行为所致本人的伤残或死亡。 （四）船主的故意行为或重大过失所致的旅客伤残或死亡。 三、赔偿处理 （一）如发生本保险单承保责任范围的事故，旅客索赔时应出示有效的船票。同时船东应迅速将详情通知本公司。 （二）在未经本公司同意前，被保险人或其代表对索赔事项不能作承认、提议或付款的表示。本公司有权以被保险人名义进行诉讼、追偿，被保险人应全力协助。 （三）在发生本保险单项下的索赔时，如同时又有承保同样责任的其他保险，本公司对有关赔款及费用仅负比例赔偿责任。
保险责任 责任范围 本公司对保险船舶的下列损失、责任和费用，负责赔偿： 1．保险船舶在船厂建造、试航和交船过程中，包括建造该船所需的在保险价值内的一切材料、机械和设备在船厂范围内装卸、运输、保管、安装、以及船舶下水、进出坞、停靠码头过程中，由于下列原因所造成的损失和费用： （l）自然灾害或意外事故； （2）工人、技术人员、船长、船员及引水人员的疏忽过失和缺乏经验； （3）船壳和设备机件的潜在缺陷； （4）因船台、支架和其他类似设备的损坏或发生故障； （5）保险船舶任何部分因设计错误而引起的损失； （6）在保险船舶下水失败后为重新下水所产生的费用； （7）为确定保险责任范围内损失所支付的合理费用，以及对船舶搁浅后为检查船底而支付的费用，即使没损失，本公司也予负责。 2．对于下列责任和费用，本公司也负责赔偿： （1）共同海损牺牲和分摊； （2）救助费用； （3）发生碰撞事故后，保险船舶对被碰撞船舶及其所载货物、浮动物件、船坞、码头或其他固定建筑物损失和延迟、丧失使用的损失以及施救费用、共同海损和救助费用依法应负的赔偿责任，但以保险船舶的保险金额为限； （4）保险船舶遭受本条款责任范围内的损失事故后引起的清除保险船舶残骸的费用、对第三者人身伤亡赔偿责任，可以按本公司保障与赔偿条款的有关规定给予赔偿但以保险船舶的保险金额为限； （5）在发生碰撞或其他事故后，被保险人在事先征得本公司书面同意后，为争取限制赔偿责任所支付的诉讼费用；
（6）保险船舶的保险金额如低于保险价值，本公司对本款所列各项的责任或费用，按保险金额和保险价值的比例计算赔偿。 保险期间 本保险在保险单列明的保险期间内从保险船舶建造开工之日或上船台之日起生效，直至保险船舶建成交付订货人或船舶所有人或保险期间满期时止。两者以先发生者为准。 在投保前已分配在船上的物资和机械设备，自保险单中列明的保险起期日开始时生效。 在保险开始生效后分配或交付给建造人的物资和机械设备，自分配或交付时生效。 在本保险单列明的保险期间内，保险船舶若提前交付给所有人满一个月者，本公司可退还被保险人规定的保险费，不足一个月者不退费。如超过保险期间交付，必须事先书面通知本公司办理展延保险期间手续。展期满一个月者，本公司应收规定的保险费。不足一个月者不加收保险费。 除外责任 下列各项，本公司不予负责： 1．由于被保险人故意或违法行为所造成的损失； 2．对设计错误部分本身的修理、修改、更换或重建的费用及为了改进或更改设计所发生的任何费用； 3．由于被保险人对雇佣的职工的死亡、伤残或疾病所应承担的责任和费用；4．核反应、辐射或放射性污染引起的损失或费用； 5．由于战争、敌对行为、武装冲突、炸弹的爆炸、战争武器、没收、征用、罢工、暴动、民众骚动引起的损失、费用和责任，以及任何人的恶意行为或政治动机所引起的任何损失； 6．建造合同规定的罚款以及由于拒收和其他原因造成的间接损失； 7．由于任何国家或武装集团的拘留、扣押、禁制，使航程受阻或丧失； 8．其他不属于保险责任范围内的损失、责任和费用。
船舶保险相关条款 沿海、内河,船舶保险条款 (1) 船（渔）工责任险条款 (2) 螺旋浆、舵、锚、锚链及子船单独损失保险条款 (3) 四分之一碰撞、触碰责任保险条款 (4) 沿海内河船舶附加部分损失特约条款 (4) 水路货物运输承运责任保险特约条款（试行） (5) 沿海内河油船油污责任保险特约条款（试行） (6) 缉私船舶附加执行公务意外损失保险特约条款（试行） (7) 沿海内河船舶保险条款附加第三者人身伤害责任保险条款 8
沿海、内河,船舶保险条款 本保险的保险标的是指在中华人民共和国境内合法登记注册从事沿海、内河航行的船舶,包括船体、机器、设备、仪器和索具。船上燃料、物料、给养、淡水等财产和渔船不属于本保险标的范围。 本保险分为全损险和一切险,本保险按保险单注明的承保险别承担保险责任。 保险责任 第一条全损险 由于下列原因造成保险船舶发生的全损,本保险负责赔偿。 一、八级以上(含八级)大风、洪水、地震、海啸、雷击、崖崩、滑坡、泥石流、冰凌； 二、火灾、爆炸; 三、碰撞、触碰; 四、搁浅、触礁; 五、由于上述一至四款灾害或事故引起的倾覆、沉没; 六、船舶失踪。 第二条一切险 本保险承保第一条列举的六项原因所造成保险船舶的全损或部分损失以及所引起的下列责任和费用： 一、碰撞、触碰责任:本公司承保的保险船舶在可航水域碰撞其它船舶或触碰码头、港口设施、航标、致使上述物体发生的直接损失和费用,包括被碰撞船舶上所载货物的直接损失,依法应当由被保险人承担的赔偿责任。本保险对每次碰撞、触碰责任仅负责赔偿金额的四分之三,但在保险期限内一次或累计最高赔偿额以不超过船舶保险金额为限。 属于本船舶上的货物损失，本保险不负赔偿责任。 非机动船舶不负碰撞、触碰责任,但保险船舶由本公司承保的拖船拖带时,可视为机动船舶。 二、共同海损、救助及施救 本保险负责资赔偿依照国家有关法律或规定应当由保险船舶摊负的共同海损。除合同另有约定外,共同海损的理算办法应按《北京理算规则》办理。 保险船舶在发生保险事故时,被保险人为防止或减少损失而采取施救及救助措施所支付的必要的、合理的施救或救助费用、救助报酬,由本保险负责赔偿。 但共同海损、救助及施救三项费用之和的累计最高赔偿额以不超过保险金额为险。 除外责任
船舶修理建造的保险知识_商务指南频道_保险常识_总保险理财 _海险_陆险_空险 ⑧发生碰撞事故后，被保险船舶对被碰撞船舶及其所载货物、浮动物件、船坞、码头或其他固定建造物的损失和延迟丧失使用的损失以及施救费用、共同海损和救助费用依法应负的赔偿责任，但以被保险船舶的保险金额为限；⑨被保险船舶遭受合同规定的责任范围内的损失事故后引起的清除船舶残骸的费用、对第三人身伤亡的赔偿责任，可以依人保的保障赔偿条款的有关规定予以赔偿，但以被保险船舶的保险金额为限；⑩船舶发生碰撞或其他事故，被保险人在事先征得保险人书面同意后，为争取限制赔偿责任所支付的诉讼费用。 基于船舶建造的特点，该保险有特定的承保区域。我国船舶建造保险条款规定，建造期间的承保区域限于造船厂范围内；而试航、交船期间， 2000 总吨以上的船舶的单程自航距离限于 500 海里， 1000 总吨至 2000 总吨船舶的单程自航距离限于 250 海里， 1000 总吨以下船舶的单程自航距离限于 l00 海里。保险人对此范围内因保险事故造成的损失予以赔偿，超出此范围的，则不承担保险责任，除非事先征得了保险人同意并加付保险费。船舶建造险除外责任
船舶建造保险的除外责任是： ;①由于被保险人的故意或非法行为所造成的损失；②对设计错误本身的修理、修改、更换或重建的费用及为了改进或更新设计所发生的任何费用；③被保险人对其雇佣人员的死亡、伤残或疾病所应承担的责任和费用；④核反应、辐射或放射性污染引起的损失和费用；⑤由于战争、敌对行为、武器冲突、炸弹爆炸、战争武器、没收、征用、罢工、暴动、民众骚乱引起的损失、费用和责任，以及任何人的恶意行为或政治动机所引起的任何损失；⑥船舶建造合同中规定的罚款以及由于拒收和其它原因造成的间接损失；⑦由于任何国家和武装集团的拘留、扣押、禁制，使试航航程受阻的损失。 [2]
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国内船舶保险条款 第一章保险船舶范围 第一条凡中华人民共和国国家、集体、个人所有或与他人共有的机动船舶与非机动船舶,依照本条款的规定,都可以向保险人(即中国人民保险公司,下同)投保船舶保险。 建造或修理中的船舶、试航的船舶、石油钻探船、失去航行能力的船舶,以及从事捕捞作业的渔船,都不在本保险范围内。 第二条本保险的保险标的包括下列各项. 一、船体; 二、机器、仪器及用于航行的设备(其中包括舵、桅、锚、橹、子船); 三、特别约定的船舶附属设备。 零星工具、备用材料、燃料及水、盐等给养品和船员的衣物、行李不属本保险范围。 第三条投保本保险的船舶必须具有港航监督部门签发的适航证明和按规定配备持有职务证书的船员,从事客货营业运输的必须持有工商行政管理部门核发的营业执照。 第二章保险责任
第四条保障船舶由于下列原因造成的全部或部分损失保险人负赔偿责任: 一、八级以上(含八级)大风、洪水、海啸、地震、崖崩、滑波、泥石流、冰凌、雷击; 二、火灾、爆炸; 三、碰撞、搁浅、触礁、倾覆、沉没; 四、船舶航行中失踪六个月以上。 第五条碰撞责任.保险机动船舶或其拖带的保险船舶与它船、它物发生直接碰撞责任事故,致使被碰撞的船舶及所载货物,或者被碰撞的码头、港口设备、航标、桥墩、固定建筑物遭受损失以及被碰撞船舶上的人员伤亡,依法应当由被保险人所负的赔偿责任,由保险人负责赔偿。但最高赔偿额以不超过船舶的保险金额为限。属于本船舶上的人员伤亡和货物损失,保险人不负赔偿责任。 第六条共同海损和救助. 一、依照国家有关规定或惯例应当由保险船舶摊负的共同海损牺牲和费用; 二、保险船舶在发生保险责任范围内的灾害或事故时,被保险人为防止或减少保险船舶的损失而支付的必要的、合理的施救或救助费用,由保险人负责赔偿,但最高赔偿额以不超过保险船舶的保险金额为限。 第七条保险期限为_______年,起止日期以保险单载明的时间为准。 第三章除外责任
国内船舶保险条款 第一章保险船舶范围 第一条凡中华人民共和国国家、集体、个人所有或与他人共有的机动船舶与非机动船舶,依照本条款的规定,都能够向保险人(即中国人民保险公司,下同)投保船舶保险。 建筑或修理中的船舶、试航的船舶、石油钻探船、失去航行能力的船舶,以及从事捕捞作业的渔船,都不在本保险范围内。 第二条本保险的保险标的包括下列各项. 一、船体; 二、机器、仪器及用于航行的设备(其中包括舵、桅、锚、橹、子船); 三、特不约定的船舶附属设备。 零星工具、备用材料、燃料及水、盐等给养品和船员的衣物、行李不属本保险范围。
第三条投保本保险的船舶必须具有港航监督部门签发的适航证明和按规定配备持有职务证书的船员,从事客货营业运输的必须持有工商行政治理部门核发的营业执照。 第二章保险责任 第四条保障船舶由于下列缘故造成的全部或部分损失保险人负赔偿责任: 一、八级以上(含八级)大风、洪水、海啸、地震、崖崩、滑波、泥石流、冰凌、雷击; 二、火灾、爆炸; 三、碰撞、搁浅、触礁、倾覆、沉没; 四、船舶航行中失踪六个月以上。 第五条碰撞责任.保险机动船舶或其拖带的保险船舶与它船、它物发生直接碰撞责任事故,致使被碰撞的船舶及所载物资,或者被碰撞的码头、港口设备、航标、桥墩、固定建筑物遭受损失以及被碰撞船舶上的人员伤亡,依法应当由被保险人所负的赔偿责任,由保险人负责赔偿。但最高赔偿额以不超过船舶的保险金额
为限。属于本船舶上的人员伤亡和物资损失,保险人不负赔偿责任。 第六条共同海损和救助. 一、依照国家有关规定或惯例应当由保险船舶摊负的共同海损牺牲和费用; 二、保险船舶在发生保险责任范围内的灾难或事故时,被保险人为防止或减少保险船舶的损失而支付的必要的、合理的施救或救助费用,由保险人负责赔偿,但最高赔偿额以不超过保险船舶的保险金额为限。 第七条保险期限为_______年,起止日期以保险单载明的时刻为准。 第三章除外责任 第八条保险船舶由于下列缘故造成的经济损失或赔偿责任,保险人不负责赔偿: 一、战争、军事行动和政府征用; 二、不具备适航条件;
PICC船舶保险条款 船舶保险介绍 船舶保险是为其船壳、救生艇、机器、设备、仪器、索具、燃料和物料提供保险保障，分为船舶全部损失保险和包括船舶全损、部分损失、责任和费用在内的一切险。 船舶保险条款 ?? 本保险的保险标的是船舶，包括其船壳、救生艇、机器、设备、仪器、索具、燃料和物料。本保险分为全损险和一切险。 一、责任范围 （一）全损险 本保险承保由于下列原因所造成的被保险船舶的全损： 1．地震、火山爆发、闪电或其他自然灾害； 2．搁浅、碰撞、触碰任何固定或浮动物体或其他物体或其他海上灾害； 3．火灾或爆炸； 4．来自船外的暴力盗窃或海盗行为； 5．抛弃货物； 6．核装置或核反应堆发生的故障或意外事故。 7．本保险还承保由于下列原因所造成的被保险船舶的全损： ①装卸或移动货物或燃料时发生的意外事故； ②船舶机件或船壳的潜在缺陷； ③船长、船员有意损害被保险人利益的行为； ④船长、船员和引水员、修船人员及租船人的疏忽行为； ⑤任何政府当局，为防止或减轻因承保风险造成被保险船舶损坏引起的污染，所采取的行动。 （二）一切险 本保险承保上述原因所造成被保险船舶的全损和部分损失以及下列责任和费用： 1．碰撞责任 ①本保险负责因被保险船舶与其他船舶碰撞或触碰任何固定的、浮动的物体或其他物体而引起被保险人应负的法律赔偿责任。 但本条对下列责任概不负责： a 人身伤亡或疾病； b 被保险船舶所载的货物或财物或其所承诺的责任； c 清除障碍物、残骸、货物或任何其他物品； d 任何财产、物体的污染或沾污（包括预防措施或清除的费用）但与被保险船舶发生碰撞的他船或其所载财产污染或沾污不在此限； e 任何固定的、浮动的物体以及其他物体的延迟或丧失使用的间接费用； ②当被保险船舶与其他船舶碰撞双方均有过失时，除一方或双方船东责任受法律限制外，本条项下的赔偿应按交叉责任的原则计算。当被保险船舶碰撞物体时，亦适用此原则。 ③本条项下保险人的责任（包括法律费用）是本保险其他条款项下责任的增加部分，但对每次碰撞所
伦敦协会定期船舶保险条款 一、航行 1．任何时候，本保险与本保险的各项规定，应允许被保险船舶在有引水员或是在没有引水员的情况下开航、航行或试航，以及援助和拖带遇难船舶。但是，被保险人必须保证被保险船舶不得被他船拖带，除有航行惯例或者根据被保险人与船东、管理人、租船人事先安排拖至第一港口的情况以外。本条第1款应包括与装卸有关的习惯拖带。 2．如果船舶在营运作业中，需要与他船（非港口或沿海使用的小船）在海上装卸货物，那么由于这种装卸作业，包括在两船驶近、靠拢或驶离时，造成被保险船舶的灭失或损坏，或者对他船的责任，本保险不负责赔偿。除非船舶在从事这种作业之前事先通知了保险人，并且双方就修改承保条件和增加保险费达成协议。 3．如果船舶（不论是载货或不载货）的开航航是有以下意图：（a）拆船或（b）为拆船而出售，那么对船舶在开航后发生灭失或损坏的任何赔偿，应限于船舶灭失或损坏时报废船舶的市场价值。除非被保险人已事先通知了保险人，并已同意为此而修改承保条件，重新约定保险价值和增加保险费，本条第3款不影响根据第8条或第11条提出的赔偿。 二、延展 本保险期满时，如果船舶尚在海上，或在避难港，或停靠在中途港，只要事先通知保险人，并按此比例支付超期保险费后，本保险继续负责承保船舶，直至其抵达目的港时为止。 三、违反保证 当任何有关货物、航线、航区、拖带、救助服务或开航日期的保证被违反时，若被保险人接到消息后立即通知保险人，并同意修改承保条件和加付保险费，则保险仍然有效。 四、终止 本保险的任何一条条款，不论是打印的还是印刷的，若与本条相抵触时，均以本条为准。 除非保险人书面同意相反的情况，本保险在下列情况下应自动终止： 1．船舶的船级社变更，或者船舶的等级变动、暂停、中止、撤回或满期。但如果船舶尚在海上航行，该自动终止可延迟到船舶抵达下一个港口时。然而，当因本保险第6条承保的风险所造成的灭失或损坏，或者因协会定期船舶战争罢工险条款承保的风险所造成的灭失或损坏而引起的上述变更、暂停、中止或撤回时，船舶若未经船级社事先同意而从下一个港口开航，本保险自动终止。 2．任何有意或无意地改变船舶所有权或船旗，或把船舶转让给新的管理人，或光船出租，或被征购或征用船舶。但船舶有货载并已经从装运港起航，或在海上空载航行时，经要求，船舶可按计划继续航行，载货船舶的保险责任终止可延迟到船舶抵达最后卸货港，空载船舶的保险责任终止可延迟到船舶抵达目的港。但是，如果船舶的被征购或征用没有事先与被保险人签订书面协议，那么不论船舶是在海上还是在港内，保险责任将在船舶被征购或征用的15天后终止。 按日比例退回净保费。
沿海内河船舶保险条款 本保险的保险标的是指在中华人民共和国内合法登记注册从事沿海、内河航行的船舶，包括船体、机器、设备、仪器和索具。船上燃料、物料、给养、淡水等财产和渔船不属于本保险标的范围。 本保险分为全损险和一切险，本保险按保险单注明的承保险别承担保险责任。 保险责任 第一条全损险 由于下列原因造成保险船舶发生的全损，本保险负责赔偿。 一、八级以上（含八级）大风、洪水、地震、海啸、雷击、崖崩、滑坡、泥石流、冰凌； 二、火灾、爆炸； 三、碰撞、触碰； 四、搁浅、触礁； 五、由于上述一至四款灾害或事故引起的倾覆、沉没； 六、船舶失踪 第二条一切险 本保险承保第一条列举的六项原因所造成保险船舶的全损或部分损失以及引起的下列责任和费用： 一、碰撞、触碰责任：本公司承保的保险船舶在可航水域碰撞其它船舶或触碰码头、港口设施、航标，致使上述物体发生的直接损失和费用，包括被碰撞船舶上所载货物的直接损失，依法应当由被保险人承担的赔偿责任。本保险对每次碰撞、触碰责任仅负责赔偿金额的四分之三，但在保险期限内一次或累计最高赔偿额一不超过船舶保险金额为限。 非机动船舶不负碰撞、触碰责任，但保险船舶由本公司承保的拖船拖带时，可视为机动船舶。 二、共同海损、救助及施救 本保险负责赔偿依照国家有关法律或规定应当由保险船舶摊负的共同海损。除合同另有约定外，共同海损的理算办法应按《北京理算规则》办理。保险船舶在发生保险事故时，被保险人为防止或减少损失而采取施救及救助措施所支付的必要的、合理的施救或救助费用、救助报酬，由本保险负责赔偿。但共同海损、救助及施救三项费用之和的累计最高赔偿额以不超过保险金额为限。 除外责任 第三条保险船舶由于下列情况所造成的损失、责任及费用，本保险不负责赔偿： 一、船舶不适航，船舶不适拖（包括船舶技术状态、配员、装载等，拖船的拖带行为引起的被拖船舶的损失、责任和费用，非拖轮的拖带行为引起的一切损失、责任和费用）； 二、船舶正常的维修、油漆，船体自然磨损、锈蚀、腐烂及机器本身发生的故障和舵、螺旋桨、桅、锚、锚链、橹及子船的单独损失； 三、浪损、座浅； 四、被保险人及其代表（包括船长）的故意行为或违法犯罪行为； 五、清理航道、污染和防止或清除污染、水产养殖及设施、捕捞设施、水下设施、
中华联合财产保险股份有限公司 船舶建造保险条款 （2008版） 第一条保险期间 在本保险单列明的保险期间内从保险船舶建造开工之日或上船台之日起生效，直至保险船舶建成交付订货人（或船舶所有人）或保险期间期满时止。两者以先发生者为准。 在投保前已分配在船上的物资和机械设备，自保险单中列明的保险起期日开始时生效。 在保险开始生效后分配或交付给建造人的物资和机械设备，自分配或交付时生效。 在保险单列明的保险期间内，保险船舶若提前交付给所有人满一个月者，本公司可退还被保险人规定的保险费，不足一个月者不退费。如超过保险期间交付，必须事先书面通知本公司办理展延保险期间手续。展期满一个月者，本公司应收规定的保险费，不足一个月者不加收保险费。 第二条保险价值和保险金额 保险价值为船舶的建成价格或最后合同价格。保险金额应按保险价值确定。被保险人如以暂定价值作为保险金额投保，应在船舶建成或确定最后合同价格后通知本公司调整保险金额。对暂定价值超过或低于保险价值的部分，本公司按比例加收或退还保险费。 如果保险价值超过暂定价值125％时，本保险对任何一次事故或同一事件引起的一系列事故的保险船舶损失的赔偿总额，以暂定价值的125％为限。但由于保险船舶改变设计、装修或改动船型、物资变更所引起的船舶造价的变动，不适用本规定。 第三条保险责任 本公司对保险船舶的下列损失、责任和费用负责赔偿： 1．保险船舶在船厂建造、试航和交船过程中，包括建造该船所需的在保险价值内的一切材料、机械和设备在船厂范围内装卸、运输、保管、安装、以及船舶下水、进出坞、停靠码头过程中，由于下列原因所造成的损失和费用: （1）自然灾害或意外事故； （2）工人、技术人员、船长、船员及引水人员的疏忽、过失和缺乏经验； （3）船壳和设备机件的潜在缺陷； （4）因船台、支架和其他类似设备的损坏或发生故障； （5）保险船舶任何部分因设计错误而引起的损失； （6）在保险船舶下水失败后为重新下水所产生的费用； （7）为确定保险责任范围内损失所支付的合理费用，以及对船舶搁浅后为检查船底而支付的费用，即使没损失，本公司也予负责。 2．对于下列责任和费用，本公司也负责赔偿： （1）共同海损牺牲和分摊； （2）救助费用； （3）发生碰撞事故后，保险船舶对被碰撞船舶及其所载货物、浮动物件、船坞、码头或其他固定建筑物损失和延迟、丧失使用的损失以及施救费用、共同海损和救助费用依法应负的赔偿责任，但以保险船舶的保险金额为限；
油污和其他保赔责任附加险条款 一、责任范围 本公司根据本条款规定对被保险人支付下述损失或费用： （一）1.由于被保险船舶漏油或其混合物污染沿海或可能产生严重危险污染沿海，被保险人采取合理措施清除漏油或其混合物而支出的费用以及。2.补偿有关政府清除被保险船舶有任何程度过失所致的漏油或其混合物而合理支出的费用。 （二）由于被保险船舶漏油或其混合物造成对第三者的污染损害，被保险人在法律上应负责支付的赔偿。 （三）根据法律规定应予负责的或由于被保险船舶航行或管理上的疏忽，或与被保险船舶有关的任何其他疏忽行为，或失检而造成的其他的船舶或其财产（包括有关费用和杂费），任何固定的和浮动的物体、陆地或水的来失或损坏，但在任何情况下，本条款责任不包括本公司船舶险条款第一条第（2）款规定可以取得赔偿的此类损失及费用。 （四）根据法律规定被保险人对被保险船只残骸的起浮、清除、破坏、建立标灯或标记所支出的成本费用或者被保险人在法律上应予承担的此类费用。但获救物料与残骸价值应首先自上述费用中扣除，本公司仅对其不足之数予以赔偿。被保险人出售残骸，必须事先征得本公司同意。 （五）由于被保险人，作为海运承运人或其他应由被保险人代负疏忽过失法律责任的人，违反谨慎地装载、收受、配载、承运、保管、照料、卸载及交付货物或财产的应尽义务，或由于被保险船舶不适航和装备不良而造成其待装、装运中或已装货物或其他财产的损失。但每一装货航次的赔付额中，被保险人应自负1,000美元。 （六）任何法院、法庭或司法当局所判决的应由被保险船舶担负的各项罚款或罚金。 但被保险人对油污罚款每事故应自负500美元。其他罚款每一港口应自负500美元。本公司对被保险人关于被保险船只由于超载而引起的罚金罚款以及有关的法律费用不予负责赔偿。 （七）被保险人因涉及本条款承保责任或开支或为避免该项责任或开支而支付的费用，包括法律费用在内。 本公司对油污索赔责任，每一事故最高以100,000,000美元为限。对其他索赔的最高责任每一事故（或第（五）项规定的每货运航次）为35,000,000美元。 二、除外责任 本公司对下列各项，不予负责赔偿： （一）由于船东的故意行为所造成的损失； （二）被保险船舶的船壳和机件的正常维修、油漆费用和本身磨损或锈蚀； （三）本公司船舶战争险条款规定的承保责任和除外责任； （四）滞期损失。 三、保险期限 期限最高一年，以保单规定的起止时间为准。 被保险船舶在保险期限内出售或转让时，除本公司书面同意的外，保险责任立即终止。如果被保险船舶在航程途中出售或转让，保险责任可延至该航程终了时止。 如被保险船舶已构成实际全损或推定全损，本保险即行终止，但对于导致此项实际或推定全损的事故所直接造成的责任则不在此限。 四、退费 （一）被保险船舶在保险期限内出售、转让或退保，保险费按日比例计算退还给被保险人。 （二）被保险船舶在安全港口内边疆停泊超过三十天时（停泊期间自到达日起算至离港
"These clauses are purely illustrative. Different policy conditions may be agreed. The specimen clauses are available to any interested person upon request. In particular: (a) in relation to any clause which excludes losses from the cover, insurers may agree a separate insurance policy covering such losses or may extend the clause to cover such events; (b) In relation to clauses making cover of certain risks subject to specific conditions each insurer may alter the said conditions." (FOR USE WITH THE CURRENT MAR POLICY FORM) INTERNATIONAL HULL CLAUSES (01/11/03) PART 1 - PRINCIPAL INSURING CONDITIONS 1GENERAL 1.1Part 1, Clauses 32-36 of Part 2 and Part 3 apply to this insurance. Parts 2 and 3 shall be those current at the date of inception of this insurance. Clauses 37-41 of Part 2 shall only apply where the Underwriters have expressly so agreed in writing. 1.2This insurance is subject to English law and practice. 1.3This insurance is subject to the exclusive jurisdiction of the English High Court of Justice, except as may be expressly provided herein to the contrary. 1.4If any provision of this insurance is held to be invalid or unenforceable, such invalidity or unenforceability will not affect the other provisions of this insurance, which shall remain in full force and effect. 2PERILS 2.1This insurance covers loss of or damage to the subject-matter insured caused by 2.1.1perils of the seas, rivers, lakes or other navigable waters 2.1.2fire, explosion 2.1.3violent theft by persons from outside the vessel 2.1.4jettison 2.1.5piracy 2.1.6contact with land conveyance, dock or harbour equipment or installation 2.1.7earthquake, volcanic eruption or lightning 2.1.8accidents in loading, discharging or shifting cargo, fuel, stores or parts 2.1.9contact with satellites, aircraft, helicopters or similar objects, or objects falling therefrom. 2.2This insurance covers loss of or damage to the subject matter insured caused by