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Short Title, etc. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 2. Interpretation \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid10159401 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Marine Insurance \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 3. Marine insurance defined. }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Mixed sea and land risks \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 4. Marine adventure and }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 maritime perils defined \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid10159401 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 Insurable Interest \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 5. Avoidance of wagering or gaming contracts \par 6. }{\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 Insurable interest defined \par 7. When interest must attach \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 8. De}{\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 feasible or contingent interest \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 9. Partial interest \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 10. Reinsurance \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 11. Bottomry \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 12. Master}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 '}{\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 s and seamen}{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 '}{\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 s wages \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 13. Advance freight \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 14. Charges of insurance \par 15. Quantum of interest \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 16. Assignment of interest \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid10159401 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 Insurable Value \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 17. Measure of insurable value \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid10159401 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Disclosure and Representations \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 18. Disclosure by assured \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 19. Disclosure by agent effecting in}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 surance \par 20. Representations pending negotiation of contract \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 21. When contract is deemed }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 to be concluded \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid10159401 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 The Policy \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 22. Contract must be embodied }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 in policy \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 23. What policy must specify \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 24. Signature of insurer \par 25. Designation of subject-matter \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 26. Failure to execute and }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 stamp policy \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 27. Voyage and time policies \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 28. Valued policy \par 29. Unvalued policy \par 30. Floating policy}{\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 by ship or ships \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 31. Premium to be arranged \par 32. Construction of terms in policy \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid10159401 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Double Insurance \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 33. Double insurance}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid10159401 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 Warranties, etc. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 34. Nature of warranty \par 35. }{\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 When breach of warranty excused \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 36. Express warranties \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 37. Warranty}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 of neutrality \par 38. No }{\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 implied warranty of nationality \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 39. Warranty of good safety \par 40. Wa}{\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 rranty of seaworthiness of ship \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 41. No implied warranty that goods are seaworthy \par 42. Warranty of legality \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid10159401 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 The Voyage \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid4738251 {\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 43. I}{\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 mplied condition as to commence}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 ment of risk \par 44. }{\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 Alteration of port of departure \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 45. Sa}{\fs24\lang5129\langfe1033\langnp5129\insrsid10159401\charrsid7733398 iling for different destination \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 46. Change of voyage \par 47. Deviation \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 48. Several ports of discharge \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid1461589 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 49. Delay in voyage}{\fs24\lang5129\langfe1033\langnp5129\insrsid1461589\charrsid7733398 \par 50. Excuses for deviation or delay}{\i\fs24\lang5129\langfe1033\langnp5129\insrsid1461589\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid15955727 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 Assignment of Policy \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid4738251 {\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 51. Wh}{\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 en and how policy is assignable \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 52. Assured who has no interest cannot assign \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid15955727 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 The Premium}{\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid15955727 {\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 53.}{\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 Policy effected through broker \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 54. Effect of receipt on policy \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid15955727 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 Loss and Abandonment \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 5}{\fs24\lang5129\langfe1033\langnp5129\insrsid13383524\charrsid7733398 5. Included and excluded losses \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 56. Partial and total loss \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid13383524\charrsid7733398 57. Actual total loss \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 58. Missing ship \par 5}{\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 9. Effect of transhipment, etc. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 60. }{\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 Constructive total loss defined \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 61. Ef}{\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 fect of constructive total loss \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 62. Notice of abandonment \par 63. Effect of abandonment \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid15955727 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Partial Losses (Including Salvage and General Average and Particular Charges) \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 64. Particular average loss \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 65. Salvage charges \par 66. General average loss \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid15955727 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Measure of Indemnity \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 67. Extent o}{\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 f liability of insurer for loss \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 68. Total loss \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 69. Partial loss of ship \par 70. Partial loss of freight \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 71. Partial loss of goods, }{\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 merchandise, }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 etc. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 72. Apportionment of valuation \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 73. General average contributions }{\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 and }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 salvage charges \par 74. Liabilities to third parties \par 75. General provisions as to measure }{\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 of }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 indemnity \par 76. Partic}{\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 ular average warranties \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 77. Successive losses \par 78. Suing and labouring clause \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid15955727 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Rights of Insurer on Payment \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 79. Right of subrogation \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 80. Right of contribution \par 81. Effect of under-insurance \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid15955727 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 Return of Premium \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid15955727 {\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 82. Enforcement of return \par 83. Return by agreement \par 84. Return for failure of consideration \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid15955727 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 Mutual Insurance \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid15955727 {\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 85. Modification of Act in case of mutual insurance \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid15955727 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 Supplemental \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid15955727 {\fs24\lang5129\langfe1033\langnp5129\insrsid4738251\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 86. Ratification by assured \par 87. Implied obligations varied by agreement or usage \par 88. Reasonable time, etc., a question of fact \par 89. Application of rules of common law \par 90. Slip as evidence \par Schedules \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid15955727 {\fs24\lang5129\langfe1033\langnp5129\insrsid4357431 ----------------------------------------------}{\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid15955727 {\b\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 1908, No. 112 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 An Act to consolidate certain enactments of the General Assemb}{\b\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 ly relating to marine insurance \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 \par }\pard \qr \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid15955727 {\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 [}{\i\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 4 August 1908 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid15955727\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 1. Short Title, etc.}{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16403559\charrsid7733398 }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \b\fs24\lang5129\langfe1033\langnp5129\insrsid16403559\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) The Short Title of this Act is the Marine Insurance Act 1908. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) This Act is a consolidation of the enactmen}{\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 ts mentioned in the First Schedu}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 le hereto. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (3) All matters and proceedings commenced under those enactments, and pending or in progress on the coming into operation of this Act, may be continued, completed, and enforced under this Act. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 2. Interpretation}{\fs24\lang5129\langfe1033\langnp5129\insrsid16403559\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16403559\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 In this Act, if not}{\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 inconsiste nt with the context,}{\fs24\lang5129\langfe1033\langnp5129\insrsid13383524\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 -}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14111152 {\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Action}{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 includes counterclaim and set-off}{\fs24\lang5129\langfe1033\langnp5129\insrsid16403559\charrsid7733398 ;}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14111152 {\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Freight}{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 includes the profit derivable by a }{\fs24\lang5129\langfe1033\langnp5129\insrsid8394904\charrsid7733398 shipowner} {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 from the employment of his ship to carry his own goods or movables, as well as freight payable by a third party, but }{ \fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 does }{\fs24\lang5129\langfe1033\langnp5129\insrsid16403559\charrsid7733398 not include passage money;}{\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid14111152 {\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14111152 {\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Movables}{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 means any movable tangible property other than the ship, and includes money, valuable }{ \fs24\lang5129\langfe1033\langnp5129\insrsid16403559\charrsid7733398 securities, and other documents;}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14111152 {\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Policy}{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 means a marine policy. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14111152 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 91 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16403559 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid16403559\charrsid7733398 Marine Insurance \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid16403559\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 3. Marine insurance defined. Mixed sea and land risks}{\b\fs24\lang5129\langfe1033\langnp5129\insrsid13383524\charrsid7733398 }{ \b\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 -}{\b\fs24\lang5129\langfe1033\langnp5129\insrsid13383524\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) A contract of marine insurance is a contract whereby the insurer undertakes to indemnify the assured, in manner and to the extent thereby agreed, against marine losses}{\fs24\lang5129\langfe1033\langnp5129\insrsid8394904\charrsid7733398 }{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{\fs24\lang5129\langfe1033\langnp5129\insrsid8394904\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 that is to say, the losses incident to marine adventure. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) A contract of marine insurance may, by its express terms or by usage of trade, be extended so as to protect the assured against losses on inland waters or on any land risk which may be incidental to any sea voyage. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (3) Where a ship in course of building, or the launch of a ship, or any adventure analogous to a marine adventure, is covered by a policy in the f}{ \fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 orm of a marine policy, the pro}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 visions of this Act, in so far as applicable, shall apply thereto; but, except as provided by this section, nothin g in this Act shall alter or affect any rule of law applicable to any contract of insurance other than a contract of marine insurance as defined by this Act. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14111152 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, ss. 2, 3 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 4. Marine adventure and maritime perils defined}{\b\fs24\lang5129\langfe1033\langnp5129\insrsid13383524\charrsid7733398 }{ \fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 -}{\fs24\lang5129\langfe1033\langnp5129\insrsid13383524\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Subject to the provisions of this Act, every }{\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 lawful marine adventure may be }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 the subject of a contract of marine insurance. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) In particular th}{\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 ere is a marine adventure where}{ \fs24\lang5129\langfe1033\langnp5129\insrsid13383524\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 -}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14111152 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (a) Any ship, goods, or other movables (such property being hereinafte}{ \fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 r referred to as }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 insurable pro}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 perty}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 ) are exposed to maritime perils}{ \fs24\lang5129\langfe1033\langnp5129\insrsid5839551\charrsid7733398 ;}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14111152 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (b) The earning or acquisition of any freight, passage money, commission, profit, or other pecuniary benefit, or the security for any advances, loan, or disbursements, is endangered by the exposure of insura}{ \fs24\lang5129\langfe1033\langnp5129\insrsid5839551\charrsid7733398 ble property to maritime perils;}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14111152 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (c) Any liability to a third party may be incurred by the owner of, or other }{ \fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 person interested in or respons}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 ible for, insurable property by reason of maritime perils. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14111152\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (3) }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Maritime perils}{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 means the perils consequent on or incidental to the navigation of the sea}{ \fs24\lang5129\langfe1033\langnp5129\insrsid8394904\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{\fs24\lang5129\langfe1033\langnp5129\insrsid8394904\charrsid7733398 }{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 that is to say, perils of the seas, fire, war perils, pirates, rovers, thieves, captures, seizures, restraints, and detainments of princes and peoples, jettisons, barratry, and an y other perils, either of the like kind or designated by the policy. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid6700971 {\fs24\lang5129\langfe1033\langnp5129\insrsid6700971\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14111152 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 4 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid6700971\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid6700971 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Insurable Interest}{\i\fs24\lang5129\langfe1033\highlight7\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid6700971\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 5. Avoidance of wagering or gaming contracts}{\fs24\lang5129\langfe1033\langnp5129\insrsid6700971\charrsid7733398 }{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{\fs24\lang5129\langfe1033\langnp5129\insrsid6700971\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Every contract of marine insurance by way of gaming or wagering is void. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid6700971\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) A contract of marine insurance is deemed to b}{\fs24\lang5129\langfe1033\langnp5129\insrsid6700971\charrsid7733398 e a gaming or wagering contract}{ \fs24\lang5129\langfe1033\langnp5129\insrsid5839551\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid6700971\charrsid7733398 -}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid6700971\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid6700971 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (a) Where the assured has not an insurable interest as defined by this Act, and the contract is entered into with no expectation of acquiring such an interest; or \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid6700971\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid6700971 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (b) Where the policy is made }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "} {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 interest or no interest}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 , or }{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 without further proof of interest than the policy itself}{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 , or }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 without benefit of salvage to the insurer}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 , or subject to any other like term: \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid6700971\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid6700971 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Provided that where there is no possibility of sa lvage a policy may be effected without benefit of salvage to the insurer. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid6700971\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid6700971 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 5 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid6700971\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 6. Insurable interest defined}{\fs24\lang5129\langfe1033\langnp5129\insrsid6700971\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid6700971\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Subject to the provisions of this Act, every person has an insurable interest who is interested in a marine adventure. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid6700971\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) In par}{\fs24\lang5129\langfe1033\langnp5129\insrsid12142143\charrsid7733398 ticular a}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 person is interested in a marine adventure where he stands in any legal or equitable relation to the adventure, or to any insurable property at risk therein, in consequence of which he may benefit by the safety or due arrival of insurab le property, or may be prejudiced by its loss, or by damage thereto, or by the detention thereof, or may incur liability in respect thereof. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid12142143\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid11341229 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 6 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid11341229\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 7. When interest must attach}{\fs24\lang5129\langfe1033\langnp5129\insrsid11341229\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid11341229\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) The assured must be interested in the subject-matter in sured at the time of the loss, though he need not be interested when the insurance is effected: \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid3813916\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Provided that where the subject-matter is insured }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 lost or not lost}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 , the assured may recover although he may not have acquired his interest until after the loss, unless at the time of effecting the contract of insurance the assured was aware of the loss and the insurer was not. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid11341229\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) Where the assured has no interest at the time of the loss, he cannot acquire interest by any act or election after he is aware of the loss. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid3813916\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4738251 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 7 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid3813916\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 8. Defeasible}{\b\fs24\lang5129\langfe1033\langnp5129\insrsid3813916\charrsid7733398 }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 or}{ \b\fs24\lang5129\langfe1033\langnp5129\insrsid3813916\charrsid7733398 contingent}{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 interest}{\fs24\lang5129\langfe1033\langnp5129\insrsid3813916\charrsid7733398 - (1) A defeasible interest is }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 insurable, }{\fs24\lang5129\langfe1033\langnp5129\insrsid3813916\charrsid7733398 as also is a contingent interest. \par \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) In particular, where the buyer of goods has insured them he has an insurable interest, notwithstanding that he might at his election have rejected the goods, or have treated them as at the seller}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 '}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 s risk, by reason of the latter}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 '}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 s delay in making delivery or otherwise. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid8739114 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 8 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 9. Partial interest}{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 A partial interest of any nature is insurable. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid8739114 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 9 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 10. Reinsurance}{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) The insurer under a contract of marine insurance has an insurable interest in his risk, and may reinsure in respect of it. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) Unless the policy otherwise provides, the original assured has no right or interest in respect of such reinsurance. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid8739114 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 10 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 11. Bottomry}{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 The lender of money on bottomry or respondentia has an insurable interest in respect of the loan. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid8739114 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 11 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 12. Master}{\b\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 '}{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 s and seamen}{ \b\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 '}{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 s wages}{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 }{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 The master or any member of the crew of a ship has an insurable interest in respect of his wages. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid8739114 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 12 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 13. Advance freight}{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 In the case of advance freight, the person adva ncing the freight has an insurable interest in so far as such freight is not repayable in case of loss. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid8739114 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 13 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 14. Charges of insurance}{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 The assured has an insurable interest in the charges of any insurance which he may effect. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid8739114 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 14 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 15. Quantum of interest}{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Where the subject-matter insured is mortgaged, the mortgagor has an insurable interest in the full value thereof, and the mortgagee has an insurable interest in respect of any sum due or to become due under the mortgage. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 \par (}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 2) A mortgagee, consignee, or other person having an interest in the subject-matter insured may insure on behalf and for the benefit of other persons interested as well as for his own benefit. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (3) The owner of insurable property has an insurable interest in respect of the full value thereof, notwithstanding that some third person may have agreed, or be liable, to indemnify him in case of loss. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid8739114 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 15 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 16. Assignment of interest}{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Where the assured assigns or othe rwise parts with his interest in the subject-matter insured, he does not thereby transfer to the assignee his rights under the contract of insurance, unless there is an express or implied agreement with the assignee to that effect. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) The provisions of this section do not affect a transmission of interest by operation of law. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid8739114 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24,}{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 }{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 s. 16 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid8739114 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Insurable Value \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 17. Measure of insurable value}{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Subject to any express provision or valuatio}{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 n }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 in the policy, the insurable value of the subject-matter insured must be ascertained as follows: \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid8739114 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (a) In insurance on ship the insurable value is the value, at the commencement of the risk, of the ship, including her outfit, provisions and stores for the officers and crew, money advanced for seamen}{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 '}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 s wages, and other disbursements (if any) incurred to make the ship fit for the voyage or adventure contemplated by the policy, plus the charges of insurance upon the whole; and, in the case of a steamship, incl udes also the machinery, boilers, and coals and engine stores if owned by the assured; and, in the case of a ship engaged in a special trade, the ordinary fittings requisite for }{\fs24\lang5129\langfe1033\langnp5129\insrsid4869961\charrsid7733398 that trade;}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid8739114 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (b) In insurance on freight, whether paid in advance or otherwise , the insurable value is the gross amount of the freight at the risk of the assured, plus the charges of insurance}{\fs24\lang5129\langfe1033\langnp5129\insrsid4869961\charrsid7733398 ;}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid8739114\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid8739114 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (c) In insurance on goods or merchandise the insurable value is the prime cost of the property insured, plus the expenses of and incidental to shipping and the char}{\fs24\lang5129\langfe1033\langnp5129\insrsid4869961\charrsid7733398 ges of insurance upon the whole;}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14888596 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 (d) In insurance on any other}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 subject-matter the insurable value is the amount at the risk of the assured when the policy attaches, plus the charges of insurance. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14888596 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 17 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid14888596 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Disclosure and Representations \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 18. Disclosure by assured}{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 - (1) Subject to the provisions of this section, the assured must disclose to the insurer, before the contract is concluded, every material circumstance known to the assured, and the assu}{ \fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 red is deemed to know every cir}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 cumstance which, in the ordinary course of business, ought to be known by him. If the assured fails to make such disclosure, the insurer may avoid the contract. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) Every circumstance is material which would influence the judgment of a prudent insurer in fixing the premium or determining whether he will take the risk. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (3) In the absence of inquiry the following circumstances need not be disclosed, namely}{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 :}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14888596 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (a) Any circums}{\fs24\lang5129\langfe1033\langnp5129\insrsid2757054\charrsid7733398 tance which diminishes the risk;}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14888596 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (b) Any circumstance known or p resumed to be known to the insurer. The insurer is presumed to know matters of common notoriety or knowledge, and matters which n insurer in the ordinary course of his business, as such, ought to know}{ \fs24\lang5129\langfe1033\langnp5129\insrsid2757054\charrsid7733398 ;}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14888596 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (c) Any circumstance as to which infor}{ \fs24\lang5129\langfe1033\langnp5129\insrsid2757054\charrsid7733398 mation is waived by the insurer;}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14888596 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (d) Any circumstance which it is superfluous to disclose by reason of any express or implied warranty. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (4) Whether any particular circumstance which is not disclosed is material or not is i}{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 n each case a question of fact. \par \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (5) The term }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 circumstance}{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 includes any communication made to or information received by the assured. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14888596 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 Cf. 1907, No. 24}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 , s. 18 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 19. Disclosure by agent effecting insurance}{\fs24\lang5129\langfe1033\langnp5129\insrsid13383524\charrsid7733398 }{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{\fs24\lang5129\langfe1033\langnp5129\insrsid13383524\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Subject to the provisions of the last preceding section as to circumstances which need not be disclosed, where an insurance is effected for the assured by an agent, the age}{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 nt must disclose to the insurer}{\fs24\lang5129\langfe1033\langnp5129\insrsid2757054\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 -}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14888596 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (a) Every material circumstance known to himself; and an agent to insure is deemed to know every circumstance which in the ordinary course of business ought to be known by h}{\fs24\lang5129\langfe1033\langnp5129\insrsid14949606\charrsid7733398 im or to have been communicated}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 to him; and \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid13383524 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (b) Every material circumstance which the assured is bound to disclose, unless it comes to his knowledge too late to communicate it to the agent. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14888596 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 19 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 20. Representations }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 pending negotiation of contract }{ \fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 - }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Every material representation made by the assured or his agent to the insurer during the negotiations for the contract, and before the contract is concluded, must be true. If it is untrue, the insurer may avoid the contract. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) A representation is material which would influence the judgment of a prudent insurer in fixing the premium or determining whether he will take the risk. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (3) A representation may be }{\fs24\lang5129\langfe1033\langnp5129\insrsid13976856\charrsid7733398 either a representation as to a}{ \fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 matter of fact or as to a matter of expectation or belief. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (4) A representation as to a matter of fact is true if it is substantially correct}{\fs24\lang5129\langfe1033\langnp5129\insrsid8394904\charrsid7733398 }{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{\fs24\lang5129\langfe1033\langnp5129\insrsid8394904\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 that is to say, if the difference between what is represented and what is actually correct would not be considered material by a prudent insurer. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (5) A representation as to a matter of expectation or belief is true if it is made in good faith. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (6) A representation may be withdrawn or corrected before the contract is concluded. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (7) Whether a particular representation is material or not is in each case a question of fact. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14888596 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 20 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 21. When contract is deemed to be concluded}{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 }{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 A contract of marine insurance is deemed to be concluded when the proposal of the assured is accepted by the insurer, whether the policy is then issued or not; and for the purpose of showing when the proposal was accepted reference may be made to the slip or covering note, or other customary memorandum of the contract, although it is unstamped. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14888596 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 21 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid14888596 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 The Policy \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 22. Contract must be embodied in policy}{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) No action shall be brought on a contract of marine insurance unless it is embodie d in a marine policy in accordance with this Act. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) The policy may be executed and issued either at the time when the contract is concluded or afterwards. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14888596 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 22 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 23. What policy must speci}{\b\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 fy-}{\b\fs24\lang5129\langfe1033\langnp5129\insrsid203459\charrsid7733398 }{ \fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 A marine policy must specify}{\fs24\lang5129\langfe1033\langnp5129\insrsid13383524\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14888596 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (a) The name of the assured, or of some person who effects the insurance on his behalf}{ \fs24\lang5129\langfe1033\langnp5129\insrsid4855089\charrsid7733398 ;}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14888596 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (b) The subject-matter insur}{\fs24\lang5129\langfe1033\langnp5129\insrsid4855089\charrsid7733398 ed and the risk insured against;}{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14888596 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (c) The voyage or period of time, or both, as the case m}{ \fs24\lang5129\langfe1033\langnp5129\insrsid4855089\charrsid7733398 ay be, covered by the insurance;}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14888596 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (d) The sum or sums insured}{\fs24\lang5129\langfe1033\langnp5129\insrsid4855089\charrsid7733398 ;} {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14888596 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (e) The name or names of the insurers. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14888596 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 23 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 24. Signature of insurer}{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) A marine policy must be signed by or on behalf of the insurer; provided that in the case of a corporation the corporate seal may b e sufficient, but nothing in this section shall be construed as requiring the subscription of a corporation to be under seal. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid7755245\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) Where a policy is subscribed by or on behalf of two or more insurers, each subscription, unless the contrary is expressed, constitutes a distinct contract with the assured. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14888596 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s.}{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 }{ \fs24\lang5129\langfe1033\langnp5129\insrsid4855089\charrsid7733398 2}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 4 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 25. Designation of subject-matter}{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) The subject-matter insured must be designated in a marine policy with reasonable certainty. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14888596\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) The nature and extent of the interest of the assured in the subject-matter insured need not be specified in the policy.}{ \fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 \par \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (3) Where the policy designates the subject-matter insured in general terms, it shall be construed to apply to the interest intended by the assured to be covered. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (4) In the application of this section regard shall be had to any usage regulating the designation of the subject-matter insured. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid6454725 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 25 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 26. Failure to execute and stamp policy}{\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 - }{\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) If any person, whethe r as an insurer or as the agent of an insurer, directly or indirectly receives or takes credit in account for any premium or consideration for any contract of marine insurance, and does not before or within thirty days after receiving or taking credit for such premium or consideration duly execute and stamp, or procure to be duly executed and stamped, a policy of such insurance, he shall be liable to a fine of one hundred pounds. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) If any person, whether as an insurer or as the agent of an insurer, pays any sum of money upon any loss under a contract of marine insurance which is not expressed in a duly}{ \fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 stamped policy, or if he in any way settles any claim made in respect of such a contract, he shall be liable to a fine of one hundred pounds. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (3) This section does not apply to contracts of reinsurance of risks in respect whereof policies have been duly executed and stamped. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (4) This section applies to the agent of an insurer, whether such insurer resides or carries on business in New Zealand or elsewhere. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid6454725 {\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid6454725 {\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 Cf. 1907, No. 24, s. 26 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid6454725 {\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid6454725 {\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 As to the stamping of marine policies, see ss. 155}{ \lang5129\langfe1033\langnp5129\insrsid8394904\charrsid7733398 }{\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 -}{\lang5129\langfe1033\langnp5129\insrsid8394904\charrsid7733398 }{ \lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 163 of the Stamp Duties Act 1954. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid6454725 {\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid6454725 {\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 As to unstamped slips or covering notes, see s. 90 of this Act. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 27. Voyage and time policies}{\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Where the contract is to insure the subject-matter at and from, or from one place to another or others, the policy is called a }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 voyage policy}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 ; and where the contract is to insure the subject-matter for a definite period of time, the policy is called a }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 time policy}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 . A contract for both voyage and time may be included in the same policy. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) A time policy which is made for any time exceeding twelve months is invalid; but a time policy may (without being liable to any additional stamp duty) contain an a greement to the effect that, in the event of the ship being at sea or the voyage otherwise not completed on the expiration of twelve months, the subject-matter of the insurance shall be held covered until the arrival of the ship at her destination, or for a reasonable time thereafter not exceeding thirty days. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid6454725 {\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid6454725 {\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 Cf. 1907, No. 24, s. 27 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 28. Valued policy}{\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) A policy may be either valued or unvalued. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) A valued policy is a policy which specifies the agreed value of the subject-matter insured. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (3) Subject to the provisions }{\fs24\lang5129\langfe1033\langnp5129\insrsid6113029\charrsid7733398 of this Act, and in the absence}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 of fraud, the value fixed by the policy is, as between the insurer and assured, conclusive of the insurable value of the subject intended to be insured, whether the loss is total or partial. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (4) Unless the policy otherwise provides, the value fixed by the policy is not conclusive for the purpose of determining whether there has been a constructive total loss. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid6454725 {\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 Cf. 1907, No. 24, s. 28 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 29. Unvalued policy}{\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 An unvalued policy is a policy which do es not specify the value of the subject-matter insured, but, subject to the limit of the sum insured, leaves the insurable value to be subsequently ascertained in the manner hereinbefore specified. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid6454725 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 29 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 30. Floating policy by ship or ships}{\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) A floating policy is a policy which describes the insurance in general terms, and leaves the name of the ship or ships and other particulars to be defined by subsequent declaration. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) The subsequent declaration or declarations may be made by endorsement on the policy or in other customary manner. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (3) Unless the policy otherwise provides, the declarations must be made in the order of despatch or shipment. They must, in the case of goods, comprise all consignments within the terms of the policy , and the value of the goods or other property must be honestly stated, but an o}{\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 m}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 ission or erroneous declaration may be rectified even a}{\fs24\lang5129\langfe1033\langnp5129\insrsid3739265\charrsid7733398 fter l}{\fs24\lang5129\langfe1033\langnp5129\insrsid6454725\charrsid7733398 oss or arrival, pro}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 vided the omission or declaration was made in good faith. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid853957\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (4) Unless the policy otherwise pr ovides, where a declaration of value is not made until after notice of loss or arrival, the policy must be treated as an unvalued policy as regards the subject-matter of that declaration. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid853957\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid402809 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 30 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid402809\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 31. Premium to be arranged}{\fs24\lang5129\langfe1033\langnp5129\insrsid402809\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid402809\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Where an insurance is effected at a premium to be arranged, and no arrangement is made, a reasonable premium is payable. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid402809\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) Where an insurance is effected on the terms that an additional premium is to be arranged in a given event, and that event happens but no ar rangement is made, then a reasonable additional premium is payable. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid402809\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid402809 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 31 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 32. Construction of terms in policy}{\fs24\lang5129\langfe1033\langnp5129\insrsid402809\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid402809\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Subject to the provisions of this Act, and unless the context of the policy otherwise requires, the terms and expressions me ntioned in the Second Schedule to this Act have, when contained in a policy, the meaning and operation attributed to them in the said Schedule. \par \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid7502504 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 32 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid11409788 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Double Insurance \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid11409788\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 33. Double insurance}{\fs24\lang5129\langfe1033\langnp5129\insrsid11409788\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid11409788\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Where two or more policies are effected b y or on behalf of the assured on the same adventure and interest or any part thereof, and the sums insured exceed the indemnity allowed by this Act, the assured is said to be overinsured by double insurance. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid11409788\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) Where the assured is }{\fs24\lang5129\langfe1033\langnp5129\insrsid11409788\charrsid7733398 overinsured by double insurance}{ \fs24\lang5129\langfe1033\langnp5129\insrsid5274072\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid11409788\charrsid7733398 - \par \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid11409788 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (a) The assured, unless the policy otherwise provides, may claim payment from the insurers in such order as he thinks fit, provided that he is not entitled to receive any sum in excess of the indemn}{ \fs24\lang5129\langfe1033\langnp5129\insrsid1975621\charrsid7733398 ity allowed by this Act;}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid11409788\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid11409788 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (b) Where the polic y under which the assured claims is a valued policy, the assured must give credit as against the valuation for any sum received by him under any other policy, without regard to the actual value of the subject-ma}{ \fs24\lang5129\langfe1033\langnp5129\insrsid1975621\charrsid7733398 tter insured;}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid11409788\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid11409788 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (c) Where the policy under wh ich the assured claims is an unvalued policy, he must give credit, as against the full insurable value, for any sum receive}{\fs24\lang5129\langfe1033\langnp5129\insrsid1975621\charrsid7733398 d by him under any other policy;}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid11409788\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid11409788 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (d) Where the assured receives any sum in excess of the indemnity allowed by this Act, he is deemed to hold such sum in trust for the insurers, according to their right of contribution among themselves. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid11409788 {\fs24\lang5129\langfe1033\langnp5129\insrsid11409788\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid11409788 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 33 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid11409788\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid11409788 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid11409788\charrsid7733398 Warranties, etc.}{\i\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid11409788\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid15875140 {\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 34. Nature of warranty}{\fs24\lang5129\langfe1033\langnp5129\insrsid11409788\charrsid7733398 }{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{\fs24\lang5129\langfe1033\langnp5129\insrsid11409788\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) A warranty, in the following sections relating to warranties, means a promissory warranty}{\fs24\lang5129\langfe1033\langnp5129\insrsid8394904\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid11409788\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid8394904\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 that is to say, a warranty by which the assured undertakes that some particular thing shall or shall not be done, or that some condition shall be fulfilled, or whereby he affirms or negatives the existence of a particular state of facts. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid11409788\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) A warranty may be express or implied. \par \par (3) A warranty as above defined is a condition which must be exactly complied with, whether material to the risk or not. If it is not so complied with, then, subject to any express provision in the policy, the insurer is discharged from liability as from the date of the breach of warranty, but without prejudice to any liability incurred by him before that date. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4206801 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 34 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 35. When breach of warranty excused}{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid9442247\charrsid7733398 (1}{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 ) Non-compli}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 ance with a warranty is excused when, by reason of a change of circumstances, the warranty ceases to be applicable to the circumstances of the contract, or when compliance with the warranty is rendered unlawful by any subsequent law. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) Where a warranty is broken, the assured cannot avail himself of the defence that the breach has been remedied, and the warranty complied with, before loss. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (3) A breach of warranty may be waived by the insurer. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4206801 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 35 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 36. Express warranties}{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) An express warranty may be in any form of words from which the intention to warrant is to be inferred. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) An express warranty must be included in or written upon the policy, or must be contained din some document incorporated by reference into the policy. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (3) An express warranty does not exclude an implied warranty, unless it is inconsistent therewith. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4206801 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 36 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 37. Warranty of neutrality}{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid9442247\charrsid7733398 (1) Where insurable property}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 , whether ship or goods, is expressly warranted neutral, there is a n implied condition that the property shall have a neutral character at the commencement of the risk, and that, so far as the assured can control the matter, its neutral character shall be preserved during the risk. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) Where a ship is expressly warranted neutral, there is also an implied condition that, so far as the assured can control the matter, the ship shall be properly documented}{ \fs24\lang5129\langfe1033\langnp5129\insrsid8394904\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{\fs24\lang5129\langfe1033\langnp5129\insrsid8394904\charrsid7733398 }{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 that is to say, that she shall carry the necessary papers to establish her neutrality, and that her papers shall not be falsified or suppressed, and that simulated papers shall not be used. If any loss occurs through breach of this condition, the insurer may avoid the contract. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4206801 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf}{\fs24\lang5129\langfe1033\langnp5129\insrsid8394904\charrsid7733398 .}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 1907, No. 24, s. 37 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 38. No implied warranty of nationality}{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -} {\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 There is no implied warranty as to the nationality of a ship, or that her nationality shall not be changed during the risk. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4206801 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 38 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 39. Warranty of good safety}{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Where the subject-matter insured is warranted }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 well}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 or }{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 in good safety}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 on a particular day, it is sufficient if it is safe at any time during that day. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4206801 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 39 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 40. Warranty of seaworthiness of ship}{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) In a voyage policy there is an implie}{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 d warranty that at the commence}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 ment of the voyage the ship shall be seaworthy for the purpose of the particular adventure insured. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) Where the policy attaches while the ship is in port, there is also an implied warranty that she shall, at the commencement of the risk, be reasonably fit to encounter the ordinary perils of the port. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (3) Where the polic y relates to a voyage which is performed in different stages, during which the ship requires different kinds of or further preparation or equipment, there is an implied warranty that at the commencement of each stage the ship is seaworthy in respect of su ch preparation or equipment for the purposes of that stage. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (4) A ship is deemed to be seaworthy when she is reasonably fit in all respects to encounter the ordinary perils of the seas of the adventure insured. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (5) In a time policy there is no implied war ranty that the ship shall be seaworthy at any stage of the adventure; but where, with the privity of the assured, the ship is sent to sea in an unseaworthy state, the insurer is not liable for any loss attributable to unseaworthiness. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4206801 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 40 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 41. No implied wa}{\b\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 rranty that goods are seaworthy}{ \fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 - }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) In a policy on goods or other movables there is no implied warranty that the goods or movables are seaworthy. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) In a voyage policy on goods or other movables there is an imp lied warranty that at the commencement of the voyage the ship is not only seaworthy as a ship, but also that she is reasonably fit to carry the goods or other movables to the destination contemplated by the policy. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4206801 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 41 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 42. Warranty of legality}{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 There is an implied warranty that the adventure insured is a lawful one, and that, sq far as the assured can control the matter, the adventure shall be carried out in a lawful manner. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4206801 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 42 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid4206801 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 The Voyage}{\i\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 43. Implied condition as to commencement of risk}{\b\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 }{ \fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 - }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Where the subject-matter is insured by a voyage policy }{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 at and from}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 or }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 from}{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 a particular place, it is not necessary that the ship should be at that place when the contract is concluded, but there is an implied condition that the adventure shall be commenced within a reasonable time, and that if the adventure is not so commenced the insurer may avoid the contract. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) The implied condition may be negatived by showing that the delay was caused by circumstances known to the insurer before the contract was concluded, or that he waived the condition. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4206801 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 43 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 44. Alteration of port of departure}{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Where the place of departure is specified by the policy, and the ship instead of sailing from that place sails from any other pl}{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 ace, the risk does not attach.}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4206801 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 44 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 45. Sailing for different destination}{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Where the destination is specified in the policy, and the ship instead of sailing for that destination sails for any other destination, the risk does not attach. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid10503408 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 45 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 46. Change of voyage}{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 - (1) Where, after the commencement of the risk, the destination of the ship is voluntarily changed from the destination contemplated by the policy, there is said to be a change of voyage. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) Unless the policy otherwise provides, where there is a change of voyage the insurer is discharged from liability as from the time of change}{ \fs24\lang5129\langfe1033\langnp5129\insrsid8394904\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{\fs24\lang5129\langfe1033\langnp5129\insrsid8394904\charrsid7733398 }{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 that is to say, as from the time when the determination to change it is manifested; and it is immaterial that the ship may not in fact have left the course of voyage contemplated by t}{ \fs24\lang5129\langfe1033\langnp5129\insrsid1117008\charrsid7733398 he policy when the loss occurs.}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4206801 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 46 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4206801\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 47. Deviation}{\fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 (}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 1) Where a ship without lawful excuse deviates from the voyage contemplated by the policy, the insurer is di scharged from liability as from the time of deviation, and it is immat}{\fs24\lang5129\langfe1033\langnp5129\insrsid9442247\charrsid7733398 erial that the ship may have re}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 gained her route before any loss occurs. \par \par (2) There is a deviation from the vo}{\fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 yage contemplated by the policy-}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid12786621 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (a) Where the course of}{\fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 the voyage is specifically des}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 ignated by the policy, and that course is departed from; or \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid12786621 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (b) Where the course of the voyage is not specifically designated by the policy, but the usual and customary course is departed from. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (3) The intention to deviate is immaterial; there must be a deviation in fact to discharge the insurer from his liability under the contract. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid12786621 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 47 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 48. Several ports of discharge}{\fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Where several ports of discharge are specified by the policy, the ship may proceed to all or any of them, but in the absence of any usage or sufficient cause to the contrary she must proceed to them, or such of them as she goes to, in the order designated by the policy. If she does not, there is a deviation. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) Where the policy is to }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 ports of discharge}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 within a given area, which are not }{ \fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 named, the ship must, in the ab}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 sence of any usage or sufficient cause to the contrary, proceed to them, or such of them as she goes to, in their geographical order. If she does not, there is a deviation. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid12786621 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 48 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 49. Delay in voyage}{\fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 In the case of a voyage policy the adventure insured must be prosecuted throughout its course with reasonable despatch, and if without lawful excuse it is not so prosecuted, the insurer is discharged from liability as from the time when the delay became u nreasonable. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid12786621 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 49 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 50. Excuses for deviation or delay}{\fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Deviation or delay in prosecuting the voyage contem}{ \fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 plated by the policy is excused-}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid12786621 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (a) Where authorised by any special term in the policy; or}{ \fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid12786621 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (b) Where caused by circumstances beyond the control of the master and his employer; or \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid12786621 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (c) Where reasonably necessary in order to comply with an express or implied warranty; or \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid12786621\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid12786621 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (d) Where reasonably necessary for the safety of the ship or subject-matter insured; or \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid10581611 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (e) For the purpose of saving human life, or aiding a ship in distress where human life may be in danger; or}{\fs24\lang5129\langfe1033\langnp5129\insrsid10581611\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid10581611\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid10581611 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (f) Where reasonably necessary for the purpose of obtaining medical or surgical aid for any person on board the ship; or \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid10581611\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid10581611 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (g) Where c aused by the barratrous conduct of the master or crew, if barratry is one of the perils insured against. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid10581611\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) When the cause excusing the deviation or delay ceases to operate, the ship must resume her course and prosecute her voyage with reasonable despatch. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid10581611\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid10581611 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 50 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid10581611\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid10581611 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Assignment o f Policy \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid10581611\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 51. When and how policy is assignable}{\fs24\lang5129\langfe1033\langnp5129\insrsid10581611\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -} {\fs24\lang5129\langfe1033\langnp5129\insrsid10581611\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) A marine policy is assignable unless it contains terms expressly prohibiting assignment. It may be assigned either before or after loss. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid10581611\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) Where a marine pol icy has been assigned so as to pass the beneficial interest in the policy, the assignee of the policy is entitled to sue thereon in his own name; and the defendant is entitled to make any defence arising Pout of the contract which he would have been entit led to make if the action had been brought in the name of the person by or on behalf of whom the policy was effected. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid10581611\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (3) A marine policy may be assigned by endorsement thereon or in other customary manner. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid10581611\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid10581611 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 51 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid10581611\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 52. Assured who has no interest cannot assign}{\fs24\lang5129\langfe1033\langnp5129\insrsid10581611\charrsid7733398 }{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{\fs24\lang5129\langfe1033\langnp5129\insrsid10581611\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Where the assured has parted with or lost his interest in the subject}{\fs24\lang5129\langfe1033\langnp5129\insrsid10581611\charrsid7733398 -}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 matter insured, and has not, before or at the time of so doing, expressly or impliedly agreed to assign the policy, any subsequent assignment of the policy is inoperative: \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid10581611\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Provided that nothing in this section affects the assignment of a policy after loss. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid10581611\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid10581611 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 52 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid10581611\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid10581611 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 The Premium \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid10581611\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 53. Policy effected through broker}{\fs24\lang5129\langfe1033\langnp5129\insrsid10581611\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid10581611\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Unless otherwise agreed, where a marine policy is effected on behalf of the a}{ \fs24\lang5129\langfe1033\langnp5129\insrsid10581611\charrsid7733398 ssured by}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 a broker, the broker is directly responsible to the insurer for the premium, and the insurer is directly responsible to the assured for the amount which may be payable in respect of losses or in respect of returnable premium. \par \par (2) Unless otherwise agreed, the broker has, as against the assured, a lien upon the policy for the amount of the premium and his charges in respect of effecting the policy; and, where he has dealt with the person who employs him as a principal, he has a lso a lien on the policy in respect of any balance on any insurance account which may be due to him from such person, unless when the debt was incurred he had reason to believe that such person was only an agent. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14818877\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14818877 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 53 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14818877\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 54. Effect of receipt on policy}{\fs24\lang5129\langfe1033\langnp5129\insrsid4724874\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid4724874\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Where a marine policy effected on behalf of the assured by a broker acknowledges the receipt of the premium, such acknowledgment is, in the absence of fraud, conclusive as between the insurer and the assured, but not as between the insurer and the broker. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4724874\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4724874 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf}{\fs24\lang5129\langfe1033\langnp5129\insrsid12133805\charrsid7733398 .}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 1907, No. 24, s. 54 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4724874\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid4724874 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Loss and Abandonment \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4724874\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 55. Included and excluded losses}{\fs24\lang5129\langfe1033\langnp5129\insrsid4724874\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid4724874\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Subject to the provisions of this Act, and unless the policy otherwise provides, the insurer is liable for any loss proximately caused by a peril insured against; but, subject as aforesaid, he is not liable for any loss not proximately caused by a peril insured against. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4724874\charrsid7733398 \par (2) In particular-}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4724874\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4724874 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (a) The insurer is not liable for any loss attributable to the wilful misconduct of the assured; but, unless the policy otherwise provides, he is liable for any loss proximately caused by a peril insured against, even though the loss would not have happen ed but for the misconduct or ne}{\fs24\lang5129\langfe1033\langnp5129\insrsid13502884\charrsid7733398 gligence of the master or crew;}{\fs24\lang5129\langfe1033\langnp5129\insrsid4724874\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4724874\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4724874 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (b) Unless the policy otherwise provides, the insurer on ship or goods is not liable for any loss proximately caused by delay, although the delay is caused by a peril insured against}{\fs24\lang5129\langfe1033\langnp5129\insrsid13502884\charrsid7733398 ;} {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4724874\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4724874 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (c) Unle ss the policy otherwise provides, the insurer is not liable for ordinary wear and tear, ordinary leakage and breakage, inherent vice or nature of the subject matter insured, or for any loss proximately caused by rats or vermin, or for any injury to machin ery not proximately caused by maritime perils. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4724874\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4724874 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 55 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4724874\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 56. Partial and total loss}{\fs24\lang5129\langfe1033\langnp5129\insrsid4724874\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid4724874\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) A loss may be either total or partial. Any loss other than a total loss, as hereinafter defined, is a partial loss. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4724874\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) A total loss may be either an actual total loss or a constructive total loss. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4724874\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (3) Unless a different intention appears from the terms of the policy, an insurance against}{\fs24\lang5129\langfe1033\langnp5129\insrsid4724874\charrsid7733398 total loss includes a construc}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 tive as well as an actual total loss. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4724874\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (4) Where the assured brings an action for a total loss, and the evidence proves only a partial loss, he may, unless the policy otherwise provides, recover for a partial loss. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4724874\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (5) Where goods reach their destination in specie, but by reason of obliteration of marks or otherwise they are incapable of identification, the loss (if any) is partial and not total. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4724874\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4724874 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 56 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4724874\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 57. Actual total loss}{\fs24\lang5129\langfe1033\langnp5129\insrsid2972095\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid2972095\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Where the subject-matter insured is destroyed, or so damaged as to cease to be a thing of the kind insured, or where the assured is irretrievably deprived thereof, there is an actual total loss. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid2972095\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid2972095 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) In the case of an actual total loss n}{ \fs24\lang5129\langfe1033\langnp5129\insrsid2972095\charrsid7733398 o notice of abandonment need be given. \par \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid2972095 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 57 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid2972095\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 58. Missing ship}{\fs24\lang5129\langfe1033\langnp5129\insrsid7101079\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid7101079\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Where the ship concerned in the adventure is missing, and after the lapse of a reasonable time no news of her has been received, an actual total loss may be presumed. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid7101079\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid7101079 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 58 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid7101079\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 59. Effect of transhipment, etc.}{\fs24\lang5129\langfe1033\langnp5129\insrsid12260717\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid12260717\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Where, by a peril insured against, the voyage is interrupted at an intermediate port or place under such circumstances as, apart from any special stipulation in the contract of affreightment, to j ustify the master in landing and reshipping the goods or other movables, or in transhipping them, and sending them on to their destination, the liability of the insurer continues, notwithstanding the landing or transhipment. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid12260717\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid12260717 {\fs24\lang5129\langfe1033\langnp5129\insrsid12260717\charrsid7733398 Cf. 1907, }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 No. 24, s. 59 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 60. C}{\b\fs24\lang5129\langfe1033\langnp5129\insrsid12260717\charrsid7733398 onstructive total loss defined}{\fs24\lang5129\langfe1033\langnp5129\insrsid12260717\charrsid7733398 - }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Subject to any express provision in the policy, there is a constructive total loss where the subject-matter insured is reasonably abandoned on account of its actual total loss appearing to be unavoidable, or because it could not be preserved from actual total loss without an expenditure which would exceed its value when the expenditure had been incurred. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid12260717\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) In particular ther}{\fs24\lang5129\langfe1033\langnp5129\insrsid12260717\charrsid7733398 e is a constructive total loss-}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid12260717\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid10442908 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (a) Where the assured is dep}{\fs24\lang5129\langfe1033\langnp5129\insrsid12260717\charrsid7733398 rived of the possession of his }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 shi p or goods by a peril insured against, and (i) it is unlikely that he can recover the ship or goods, as the case may be, or (ii) the cost of recovering the ship or goods, as the case may be, would exceed their value when recovered; or \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid10442908\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid10442908 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (b) In the case of d amage to a ship, where she is so damaged by a peril insured against that the cost of repairing the damage would exceed the value of the ship when repaired; or \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid10442908\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid10442908 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (c) In the case of damage to goods, where the cost of repairing the damage and forwarding the go ods to their destination would exceed their value on arrival. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid10442908\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (3) In estimating the cost of repairs, no deduction is to be made in respect of general average contributions to those repairs payable by other interests, but account is to be taken of the expe nse of future salvage operations and of any future general average contributions to which the ship}{\fs24\lang5129\langfe1033\langnp5129\insrsid10442908\charrsid7733398 would be liable if repaired.}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid10442908\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid10442908 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 60 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid10442908\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 61. Effect of constructive total loss}{\fs24\lang5129\langfe1033\langnp5129\insrsid150359\charrsid7733398 - Where there is a con}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 structive total loss, the assured may either treat the loss as a partial loss or abandon the subject-matter insured to the insurer and treat the loss as if it were an actual}{ \fs24\lang5129\langfe1033\langnp5129\insrsid150359\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 total loss. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid150359\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid150359 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 61 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid150359\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 62. Notice of abandonment}{\fs24\lang5129\langfe1033\langnp5129\insrsid150359\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid150359\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Subject to t he provisions of this section, where the assured elects to abandon the subject-matter insured to the insurer he must give notice of}{\fs24\lang5129\langfe1033\langnp5129\insrsid150359\charrsid7733398 }{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 abandonment. }{\fs24\lang5129\langfe1033\langnp5129\insrsid150359\charrsid7733398 If he fails to do so, the loss }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 can be treated only as a partial loss. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid150359\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) Notice of abandonment may be given i n writing, or by word of mouth, or partly in writing and partly by word of mouth, and may be given in any terms which indicate the intention of the assured to abandon his insured interest in the subject-matter insured unconditionally to the insurer. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid150359\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (3) N otice of abandonment must be given with reasonable diligence after the receipt of reliable information of the loss, but where the information is of a doubtful character the assured is entitled to a reasonable time to make inquiry. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid150359\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (4) Where notice of abandonment is properly given, the rights of the assured are not prejudiced by the fact that the insurer refuses to accept the abandonment. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16136890\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (5) The acceptance of an abandonment may be either express or implied from the conduct of the insurer. The mere silence of the insurer after notice is not an acceptance. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16136890\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (6). Where notice of aband}{\fs24\lang5129\langfe1033\langnp5129\insrsid16136890\charrsid7733398 onment is accepted, the abandon}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 ment s irrevocable. The acceptance of the notice conclusively admits liability for the loss and the sufficiency of the notice. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16136890\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (7) Notice of aband onment is unnecessary where, at the time when the assured receives information of the loss, there would be no possibility of benefit to the insurer if notice were given to him. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16136890\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (8) Notice of abandonmen}{\fs24\lang5129\langfe1033\langnp5129\insrsid16136890\charrsid7733398 t may be waived by the insurer. \par \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (9) Where an insurer has reinsured his risk, no notice of abandonment need be given by him. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16136890\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid16136890 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 62 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid16136890\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 63. Effect of abandonment}{\fs24\lang5129\langfe1033\langnp5129\insrsid16136890\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16136890\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Where there is a valid abandonment, the insurer is entitled to take over the interest of the assured in whatever may remain of the subject-matter insured, and all proprietary rights incidental thereto. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16136890\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) Upon the abandonment of a ship the insurer thereof is entitled to any freight which is in course of being earned, and which is earned by her subsequent to the casualty causing the loss, less the expenses of earning it incurred after the casualty; and where the ship is carrying the owner}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 '}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 s goods, the insurer is entitled to a reasonable remuneration for the carriage of them subsequent to the casualty causing the loss. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16136890\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid16136890 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 63 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid16136890\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16136890 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Partial Losses (Including Salvage and General Average and Particular Charges) \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 64. Particular average loss}{\fs24\lang5129\langfe1033\langnp5129\insrsid16136890\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16136890\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) A particular average loss is a partial loss of the subject-matter insured, which is caused by a peril insured against, and which is not a general average loss. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16136890\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) Expenses incurred by or on behalf of the assured for the safety or preservation of the subject-matter insured, other than general average and salvage charges, are called particular charges. Particular charges are not included in particular average. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16136890\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid16136890 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 64 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 65. Salvage charges}{\fs24\lang5129\langfe1033\langnp5129\insrsid16136890\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16136890\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Subject to any express provision in the policy, salvage charges incurred in preventing a loss by perils insured against may be recovered as a loss by those perils. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16136890\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Salvage charges}{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 means the charges recoverable under maritime law by a salvor independently of contract, and does not include the expenses of services in the nature of salvage rendered by the assured or his agents, or any person employed for hire by them, for the purpose of averting a peril insured against. Such expenses, where properly incurred, may be recovered as particular charges or as a general average loss, according to the circumstances under which they were incurred. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16136890\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid16136890 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 65 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid16136890\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 66. General average loss}{\fs24\lang5129\langfe1033\langnp5129\insrsid16136890\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 - (1) A general average loss is a loss caused by or directly consequential on a general average act. It includes a general average expenditure as well as a general average sacrifice. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16136890\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) There is a general average act where any extraordinary sacrifice or expenditure is voluntarily and reasonably made or incurred in time of peril for the purpose of preserving the property imperilled in the common adventure. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (3) Where there is a general average loss, the party on whom it falls is entitled, subject to th e conditions imposed by maritime law, to a rateable contribution from the other parties interested, and such contribution is called a general average contribution. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (4) Subject to any express provision in the policy, where the assured has incurred a genera l average expenditure he may recover from the insurer in respect of the proportion of the loss which falls upon him; and, in the case of a general average sacrifice, he may recover from the insurer in respect of the whole loss without having enforced his right of contribution from the other parties liable to contribute. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (5) Subject to any express provision in the policy, where the assured has paid or is liable to pay a general average contribution in respect of the subject insured he may recover therefor from the insurer. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (6) In the absence of express stipulation, the insurer is not liable for any general average loss or contribution where the loss was not incurred for the purpose of avoiding or in connection with the avoidance of a peril insured against. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (7) Where ship, freight, and cargo, or any two of those interests, are owned by the same assured, the liability of the insurer in respect of general average losses or contributions is, to be determined as if those subjects were owned by different persons. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14516026 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 66 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid14516026 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Measure of Indemnity \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 67. Extent of liability of insurer for loss}{\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 }{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 - (1) The sum which the assured can recover in respect of a loss on a policy by which he is insured, in the case of an unvalued policy to the full extent of the in surable value, or in the case of a valued policy to the full extent of the value fixed by the policy, is called the measure of indemnity. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) Where there is a loss recoverable under the policy, the insurer, or each insurer if there are more than one}{\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 , is liable for such proportion}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 of the measure of indemnity as the amount of, his subscription bears to the value fixed by the policy in the case of a valued policy, or to the insurable value in the case of an unvalued policy. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14516026 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 67 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 68. Total loss}{\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Subject to the provisions of this Act and to any express provision in the policy, where there is a total loss of the subject-matter }{\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 insured,-}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14516026 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (a) If the policy is a valued policy, the measure of indemnity}{ \fs24\lang5129\langfe1033\langnp5129\insrsid8394904\charrsid7733398 is the sum fixed by the policy;}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14516026 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (b) If th e policy is an unvalued policy, the measure of indemnity is the insurable value of the subject-matter insured. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14516026 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 68 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 69. Partial loss of ship}{\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Where a ship is damaged, but is not totally lost, the measure of indemnity, subject to any express provision in the policy, is as follows: \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14516026 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (a) Where the ship has been repaired, the assured is entitled to the reasonable cost of the repairs, less the customary deductions, but not exceeding the sum insured in respect of any one casualty}{ \fs24\lang5129\langfe1033\langnp5129\insrsid5400767\charrsid7733398 ;}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14516026 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (b) Where the ship has been only partially repaired, the assured is entitled to the reasonable cost of such repairs, computed as above, and also to be indemnified for the reasonable depreciation (if any) arising}{ \fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 from the unrepaired damage, provided that th e aggregate amount shall not exceed the cost of repairing the whole damage, computed as above}{\fs24\lang5129\langfe1033\langnp5129\insrsid5400767\charrsid7733398 ;}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14516026 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (c) Where the ship has not been repaired, and has not been sold in her damaged state during the risk, the assured is entitled to be indemnified for the reasonab le depreciation arising from the unrepaired damage, but not exceeding the reasonable cost of repairing such damage, computed }{\fs24\lang5129\langfe1033\langnp5129\insrsid8394904\charrsid7733398 as above.}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14516026 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 69 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 70. Partial loss of freight}{\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Subject to any express provision in the policy, where there is a partial loss of freight the measure of indemnity is such proportion of the sum fixed by the policy in the case of a valued policy, or of the insurable value in the case of an unvalued policy; as the proportion of freight lost by the assured bears to the w }{\fs24\lang5129\langfe1033\langnp5129\insrsid16213836\charrsid7733398 hole freight at the risk of the}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 assured under the policy. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid16213836 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 70 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 71. Partial loss of goods, merchandise, etc}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 .}{ \fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 }{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Where there is a partial loss of goods, merchandise, or other movables, the measure of indemnity, subject to any express provision in the policy, is as follows: \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14516026 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (a) Where part of the g}{\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 oods, merchandise, or other mov}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 ables insured by a valued policy is totally lost, the measure of indemnity is such proportion of the sum}{ \fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 fixed by the policy as the insurable value of the part lost b ears to the insurable value of the whole, ascertained as in}{\fs24\lang5129\langfe1033\langnp5129\insrsid5400767\charrsid7733398 the case of an unvalued policy;}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14516026 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (b) Where part of the goods, merchandise, or other movables insured by an unvalued policy is totally lost, the measure of indemnity is the insurable value of the part lost, ascer}{\fs24\lang5129\langfe1033\langnp5129\insrsid5400767\charrsid7733398 tained as in case of total loss;}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14516026 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (c) Where the whole or any part of the goods or merchandise insured has been delivered damaged at its destination, the m}{\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 easure of indemnity is such pro}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 portion of the sum fixed by the policy in the case of a valued policy, or of the insurable value in the case of an unvalued policy, as the difference between the gross sound and damaged values at the place of arrival}{\fs24\lang5129\langfe1033\langnp5129\insrsid5400767\charrsid7733398 bears to the gross sound value;}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14516026\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid16520757 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (d) }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Gross value}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 means the wholesale price or, if there is no such price, the estimated value, with in either case freight, landing charges, and duty paid before hand; provided that, in the case of goods or merchandise customarily sold in bond, the bonded price is deemed to be the gross value. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid16520757\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid16520757 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 71 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid16520757\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16520757\charrsid7733398 72. Apportionment of }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 valuation}{\fs24\lang5129\langfe1033\langnp5129\insrsid16520757\charrsid7733398 }{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{\fs24\lang5129\langfe1033\langnp5129\insrsid16520757\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Where}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16520757\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 different species of property are insured under a single valuation, the valuation must be apportioned over the different species in proportion to their respective insurable values, as in the case of an unvalued policy. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16520757\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) The insured value of an}{\fs24\lang5129\langfe1033\langnp5129\insrsid3414139\charrsid7733398 y part of a species is such pro}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 portion of the total insured value of the same as the insurable value of the part bears to the insurable value of the whole, ascertained in both cases as provided by this Act. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid3414139\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (3) Where a valuation h}{\fs24\lang5129\langfe1033\langnp5129\insrsid3414139\charrsid7733398 as to be apportioned, and parti}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 culars of the prime cost of each separate species, quality, or description of goods cannot be ascertained, the division of the valuation may be made over the net arrived sound values of the different species, qualities, or descriptions of goods. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid3414139\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid3414139 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 72 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid3414139\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 73. General average contributions and salvage charges}{\fs24\lang5129\langfe1033\langnp5129\insrsid5797776\charrsid7733398 - }{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Subject to any express provision in the policy, where the assured has paid or is liable for any general average con tribution the measure of indemnity is the full amount of such contribution if the subject-matter liable to contribution is insured for its full contributory value, but if such subject-matter is not insured for its full contributory value, or if only part o f it is insured, the indemnity payable by the insurer must be reduced in proportion to the under-insurance, and where there has been a particular average loss which constitutes a deduction from the contributory value, and for which the insurer is liable, that amount must be deducted from the insured value in order to ascertain what the insurer is liable to contribute. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid5797776\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) Where the insurer is liable for salvage charges, the extent of his liability must be determined on the like principle. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid5797776\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid5797776 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 73 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid5797776\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 74. Liabilities to third parties}{\fs24\lang5129\langfe1033\langnp5129\insrsid16739789\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16739789\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Where the assured has effected an insurance in express terms against any liability}{ \fs24\lang5129\langfe1033\langnp5129\insrsid13712576\charrsid7733398 to a third party, the measure of}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 indemnity, subject to any}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16739789\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 express provision in the policy, is the amount paid or payable by him to such third party in respect of such liability. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16739789\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid16739789 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 74 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid16739789\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 75. General provisions as to measure of indemnity}{\fs24\lang5129\langfe1033\langnp5129\insrsid16739789\charrsid7733398 - }{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Where there has been a loss in respect of any subject}{\fs24\lang5129\langfe1033\langnp5129\insrsid16739789\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 matter not expressly provided for in the foregoing provisions}{\fs24\lang5129\langfe1033\langnp5129\insrsid16739789\charrsid7733398 }{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 of this Act, the measure of indemnity shall be ascertained, as nearly as may be, in accordance with those provisions, in so far as applicable to the particular case. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16739789\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) Nothing in the provisions of this Act relating to the measure of indemnity shall affect the r ules relating to double insurance, or prohibit the insurer, from disproving interest wholly or in part, or from showing that at the time of the loss the whole or any part of the subject-matter insured was not at risk under the policy. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16739789\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid16739789 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 75 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid16739789\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 76}{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16739789\charrsid7733398 . Particular average warranties}{\fs24\lang5129\langfe1033\langnp5129\insrsid16739789\charrsid7733398 - }{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Where the subject}{\fs24\lang5129\langfe1033\langnp5129\insrsid16739789\charrsid7733398 -}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 matter insured is warranted free from particular average, the assured cannot recover for a loss of part, other than a loss incurred by a general average sacrifice, unless the contract contained in the}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16739789\charrsid7733398 policy is apportionable; but if}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 the contract is apportionable, the assured may recover for a total loss of any apportionable part. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16739789\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) Where the subject-matter insured is warranted free from particular average, either wholly or under a certain percentage, the insurer is nevertheless liable for salvage charges, and for particular}{\fs24\lang5129\langfe1033\langnp5129\insrsid16739789\charrsid7733398 charges and other expenses pro}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 perly incurred pursuant to the provisions of the suing and labouring clause in order to avert a loss insured against. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16739789\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (3) Unless the policy otherw}{\fs24\lang5129\langfe1033\langnp5129\insrsid16739789\charrsid7733398 ise provides, where the subject-}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 matter insured is warranted free from particular average under a specified percentage, a general average loss cannot be added to a particular average loss to make up the specified percentage. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16739789\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (4) Fo r the purpose of ascertaining whether the specified percentage has been reached, regard shall be had only to the actual loss suffered by the subject-matter insured. Particular charges and the expenses of and incidental to ascertaining and proving the loss must be excluded. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16739789\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid16739789 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 76 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 77. Successive losses}{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16739789\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16739789\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Unless the policy otherwise provides, and subject to the provisions of this Act, the insurer is liable for successive losses, even though the total amount of such losses may exceed the sum insured. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16739789\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2)}{\fs24\lang5129\langfe1033\langnp5129\insrsid10515610\charrsid7733398 Where under the same policy a}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 partial loss which has not been repaired or otherwise made good is followed by a total loss, the assured can only recover in respect of the total loss. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid10515610\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (3) Nothing in this section shall affect the liability of the insurer under the suing and labouring clause. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid10515610\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid10515610 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 77 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid10515610\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 78. Suing and labouring clause}{\fs24\lang5129\langfe1033\langnp5129\insrsid11227364\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid11227364\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Where the policy contains a suing and labouring clause, the engagement thereby entered into is deemed to be supplementary to the contract of insurance, and the assured may recover from the insurer any expenses properly incurred pursuant to the clause, notwithstanding that the insurer may have paid for a total loss, or that the subject-matter may have been warr anted free from particular average, either wholly or under a certain percentage. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid11227364\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) General average losses and contributions and salvage charges, as defined by this Act, are not recoverable under the suing and labouring clause. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid8457391\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (3) Expenses incurred for the purpose of averting or diminishing any loss not c}{\fs24\lang5129\langfe1033\langnp5129\insrsid8457391\charrsid7733398 overed by the policy are not re}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 coverable under the suing and labouring clause. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid8457391\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (4) It is the duty of the assured and his agents in all cases to take such measures as may be reasonable for the purpose of averting or minimising a loss. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid8457391\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid8457391 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 78 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid8457391\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid8457391 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Rights of Insurer on Payment \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid8457391\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 79. Right of subrogation}{\fs24\lang5129\langfe1033\langnp5129\insrsid8457391\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid8457391\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Where the insurer pays for a total loss either of the whole or, in the case of goods, of any apportionable part of the subject-matter insured, he thereupon becomes entitled to take over the interest o\'a3 the assured in whatever may remain of the subject-matter so paid for, and he is thereby subrogated to all the rights and remedies of the assured in and in respect of that subject-matter as from the time of the casualty causing the loss. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid8457391\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) Subject to the foregoing provisions, where the insurer pays for a partial loss he acqu ires no title to the subject-matter insured, or such part of it as may remain, but he is thereupon}{\fs24\lang5129\langfe1033\langnp5129\insrsid8457391\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 subrogated to all rights and remedies of the assured in and in respect of the subject-matter insured as from the time of the casualty causing the loss, in so far as the assured has been indemnified, according to this Act, by such payment for the loss. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid8457391 {\fs24\lang5129\langfe1033\langnp5129\insrsid8457391\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid8457391 {\fs24\lang5129\langfe1033\langnp5129\insrsid8457391\charrsid7733398 Cf. 1907, No. 24, s. 79 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid8457391\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 80. Right of contribution}{\fs24\lang5129\langfe1033\langnp5129\insrsid8457391\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 - (1) Where the assured is over}{\fs24\lang5129\langfe1033\langnp5129\insrsid8457391\charrsid7733398 -}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 insured by double insurance, each insurer is bound, as between himself and th e other insurers, to contribute rateably to the loss in proportion to the amount for which he is liable under his contract. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid8457391\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) If any insurer pays more than his proportion of the loss, he is entitled to maintain an action for contribution against the oth er insurers, and is entitled to the like remedies as a surety who has paid more than his proportion of the debt. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid8457391 {\fs24\lang5129\langfe1033\langnp5129\insrsid8457391\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid8457391 {\fs24\lang5129\langfe1033\langnp5129\insrsid8457391\charrsid7733398 Cf. 1907, No. 24, s. 80 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid8457391\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 81. Effect of under-insurance}{\fs24\lang5129\langfe1033\langnp5129\insrsid8457391\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid8457391\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Where the assured is insured for an amount less than the insurable value, or, in the case of a valued policy, for an amount less than the policy valuation, he is deemed to be his own insurer in respect of the uninsured balance. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid8457391\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid2772274 {\fs24\lang5129\langfe1033\langnp5129\insrsid2772274\charrsid7733398 Cf. 1907, No. 24, s. 81 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid2772274\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid2772274 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid2772274\charrsid7733398 Return o f Premium \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid2772274\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 82. Enforcement}{\fs24\lang5129\langfe1033\langnp5129\insrsid2772274\charrsid7733398 of return - Where the premium or a proportionate pa rt thereof is by this Act declared to be returnable,-}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid2772274\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid2772274 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (a) If already paid, it may be recovered by the assured from the insurer; and \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid2772274\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid2772274 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (b) If unpaid, it may be }{\fs24\lang5129\langfe1033\langnp5129\insrsid2772274\charrsid7733398 retained by the assured or his }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 agent. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid2772274\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid3092017 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 82 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 83. Return by agreement}{\fs24\lang5129\langfe1033\langnp5129\insrsid14952401\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid14952401\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Where the policy contains a stipulation for the return of the premium or a proportionate part thereof on the happening of a certain event, and that event happens, the premium or, as the case may be, the proportionate part thereof is thereupon returnable t o the assured. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14952401\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14952401 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 83 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14952401\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 84. Return for failure of consideration}{\fs24\lang5129\langfe1033\langnp5129\insrsid4068889\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 - (1) Where the consideration for the payment of the premium totally fails, and there has been no fraud or illegality on the part of the assured or his agents, the premium is thereupon returnable to the assured. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4068889\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) Where the consideration for the payment of the premium is apportionable, and there is a total failure of any apportionable part of the consideration, a proportionate part of the premium is under the like conditions thereupon returnable to the assured. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4068889\charrsid7733398 \par (3) In particular,-}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid4068889\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4068889 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (a) Where the policy is void, or is avoided by the insurer as from the commencement of the risk, the premium is returnable, provided that there has been no fraud or illegality on the part of the assured; but if the risk is not apportionable, and has once attached, the premium is not returnable}{\fs24\lang5129\langfe1033\langnp5129\insrsid16470178\charrsid7733398 ;}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4068889\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4068889 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (b) Where the subject-matter insure or part thereof has never been imperilled, the premium or, as the case may be, a proportionate part thereof is returnable}{\fs24\lang5129\langfe1033\langnp5129\insrsid16470178\charrsid7733398 ;}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4068889\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4068889 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Provided that where the subject-matter has been insured }{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 lost or not lost,}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 and has arrived in safety at the time when the contract is concluded, the premium is not returnable unless at such time the insurer knew of the safe arrival}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16470178\charrsid7733398 ;}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4068889\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4068889 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (c) Where the assured has no insurable interest throughout the currency of the risk, the premium is returnable; provided that this rule does not apply to a policy effected by way of gaming or wagering}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16470178\charrsid7733398 ;}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4068889\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4068889 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (d) Where the assured has a defensible interest which is terminated during the currency of the risk, the premium is not returnable}{\fs24\lang5129\langfe1033\langnp5129\insrsid16470178\charrsid7733398 ;}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4068889\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4068889 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (e) Where the assured has overinsured under an unvalued policy, a proportionate pa}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16470178\charrsid7733398 rt of the premium is returnable;}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4068889\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid4068889 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (f) Subject to the foregoing pro visions, where the assured has overinsured by double insurance, a proportionate part of the several premiums is returnable: \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4068889\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid15760334 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Provided that if the policies are effected at different times, and any earlier policy has at any time borne the entire risk, or if a claim has been paid on the policy in respect of the full sum insured thereby, no premium is returnable in respect}{ \fs24\lang5129\langfe1033\langnp5129\insrsid15760334\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 of that policy; and when the double insurance is effected knowingly by the assured, no premium is returnable. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid15760334\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid15760334 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 84 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid15760334\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid15760334 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Mutual Insurance \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid15760334\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 85. Modification of Act in case }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid15760334\charrsid7733398 of mutual insurance }{ \fs24\lang5129\langfe1033\langnp5129\insrsid15760334\charrsid7733398 - }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1) Where two or more persons mutually agree to insure each other against marine losses there is said to be a mutual insurance. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid15760334\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) The provisions of this Act relating to the premium do not apply to mutual insurance, but a guarantee, or such other arrangement as may be agreed upon, may be substituted for the premium. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid15760334\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (3) The provisions of this Act, in so far as they may be modified by the agreement of the parties, may in the case of mutual insurance be modified by the terms of the policies issued by the association, or by the rules and regulations of the association. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid15760334\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (4) Subject to the exceptions mentioned in this section, the provisions of this Act apply to a mutual insurance. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid15760334\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid15760334 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 85 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid15760334\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid4025574 {\i\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Supplemental \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid4025574\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 86. Ratification by assured}{\fs24\lang5129\langfe1033\langnp5129\insrsid8874946\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid8874946\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Where a contract of marine insurance is in good faith effected by one person on behalf of another, the person on whose behalf it is effected may ratify the contract even after he is aware of the loss. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid8874946\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid8874946 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 86 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid8874946\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 87. Implied obligations varied by agreement or usage}{\fs24\lang5129\langfe1033\langnp5129\insrsid8874946\charrsid7733398 - }{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (1)Where any right, duty, or liability would arise under a contract of marine insurance by implication of law, it may be negatived or varied by e xpress agreement, or by usage, if the usage be such as to bind both parties to the contract. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid8874946\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (2) The provisions o\'a3 this section extend to any right, duty, or liability declared by this Act which may be lawfully modified by agreement. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid8874946\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid8874946 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 87 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid8874946\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 88. Reasonable time, etc., a question of fact}{\fs24\lang5129\langfe1033\langnp5129\insrsid8874946\charrsid7733398 }{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{\fs24\lang5129\langfe1033\langnp5129\insrsid8874946\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Where by this Act any reference is made to reasonable time, reasonable premium, or reasonable diligence, the question what is reason\-able is a question of fact. \par \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid8874946 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 88 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid8874946\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 89. Application of rules of common law}{\fs24\lang5129\langfe1033\langnp5129\insrsid8874946\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -} {\fs24\lang5129\langfe1033\langnp5129\insrsid8874946\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 The rules of the common law including the law merchant, save in so far as they are inconsistent with the express provisions of this Act, shall continue to apply to contracts o\'a3 marine insurance. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid8874946\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid8874946 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 89 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid8874946\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 90. Slip as evidence}{\fs24\lang5129\langfe1033\langnp5129\insrsid14564395\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \fs24\lang5129\langfe1033\langnp5129\insrsid14564395\charrsid7733398 }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Where there is a duly stamped policy, reference may be made in any legal proceeding to the slip or covering note, although it is not stamped. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid14564395\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14564395 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Cf. 1907, No. 24, s. 90 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14564395\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid14564395 {\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 As to the stamping of marine insurance policies, see ss. 155}{ \lang5129\langfe1033\langnp5129\insrsid8394904\charrsid7733398 }{\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{\lang5129\langfe1033\langnp5129\insrsid8394904\charrsid7733398 }{ \lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 163 of the Stamp Duties Act 1954. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid14564395\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid7821238 {\fs24\lang5129\langfe1033\langnp5129\insrsid7821238\charrsid7733398 _____ \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid7821238\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid7821238 {\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 SCHEDULES}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid7821238\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid7821238 {\fs24\lang5129\langfe1033\langnp5129\insrsid7821238\charrsid7733398 ____ \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid7821238\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid7821238 {\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 FIRST SCHEDULE}{\b\fs24\lang5129\langfe1033\langnp5129\insrsid7821238\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid7022240 {\fs24\lang5129\langfe1033\langnp5129\insrsid7022240\charrsid7733398 \par }\pard \qr \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid7821238 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Section 1 (2) \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid7821238\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid7821238 {\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 ENACTMENTS CONSOLIDATED}{\b\fs24\lang5129\langfe1033\langnp5129\insrsid7821238\charrsid7733398 \par }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 1907, No. 24}{\b\fs24\lang5129\langfe1033\langnp5129\insrsid8394904\charrsid7733398 }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 -}{ \b\fs24\lang5129\langfe1033\langnp5129\insrsid8394904\charrsid7733398 }{\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 The Marine Insurance Act 1907 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid7821238\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid7821238 {\fs24\lang5129\langfe1033\langnp5129\insrsid7821238\charrsid7733398 ____ \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid7821238\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid7821238 {\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 SECOND SCHEDULE}{\b\fs24\lang5129\langfe1033\langnp5129\insrsid7821238\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid7022240 {\b\fs24\lang5129\langfe1033\langnp5129\insrsid7022240\charrsid7733398 \par }\pard \qr \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid7821238 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 Section 32 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid7821238\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid7821238 {\b\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 RULES FOR THE CONSTRUCTION OF POLICIES \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid7821238\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 THE following are the rules referred to by this Act for the construction of a policy where the context does not otherwise require}{ \fs24\lang5129\langfe1033\langnp5129\insrsid7891865\charrsid7733398 :}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid7022240 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 1. Where the subject-matter is insured }{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 lost or not lost}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 , and the loss has occurred before the contract is concluded, the risk attaches unless at such time the assured was aware of the loss and the insurer was not. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid7022240 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 2. Where the subject-matter is insured }{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 from}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 a particular place, the risk does not attach until the ship starts on the voyage insured. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 \par }\pard \ql \fi-720\li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid7022240 {\fs24\lang5129\langfe1033\langnp5129\insrsid7891865\charrsid7733398 3.\tab }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (a) Where a ship is insured }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 at and from}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 a particular place, and she is at that place in good safety when the contract is concluded, the risk attaches immediately. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid7022240 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (b) If she is not at that place when the contr act is concluded the risk attaches as soon as she arrives there in good safety; and, unless the policy otherwise provides, it is immaterial that she is covered by another policy for a specified time after arrival. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid7022240 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (c) Where chartered freight is insured }{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 at and from}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 a particular place, and the ship is at that place in good safety when the contract is concluded, the risk attaches immediately. If she is not there when the contract is concluded, the risk attaches as soon as she arrives there in good safety. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 \par }\pard \ql \li720\ri0\widctlpar\faauto\adjustright\rin0\lin720\itap0\pararsid7022240 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 (d) Where freight other than chartered freight is payable without special conditions, and is insured }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 at and from}{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 a particular place, the risk attaches pro rata as the goods or merchandise are shipped; provided that if there is cargo in readiness which be longs to the shipowner, or which some other person has contracted with him to ship, the risk attaches as soon as the ship is ready to receive such cargo. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid7022240 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 4. Where goods or other movables are insured }{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 from the loading thereof}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 , the risk does not attach until such goods or movables are actually on board, and the insurer is not liable for them while in transit from the shore to the ship. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid7022240 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 5. Where the risk on goods or other movables continues until they are }{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 safely landed}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 , they must be landed in the customary manner and within a reasonable time after arrival at the port of discharge, and if they are not so landed the risk ceases. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid7022240 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 6. In the absence of any further licence or usage, the liberty to touch and stay }{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 at any port or place whatsoever}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 does not authorise the ship to depart from the course of her voyage from the port of departure to the port of destination. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 7. The term }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 perils of the seas}{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 refers only to fortuitous accidents or casualties of the seas. It does not include the ordinary action of the wind s and waves. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 8. The term }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 pirates}{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 includes passengers who mutiny and rioters who attack the ship from the shore. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 9. The term }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 thieves}{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 does not cover clandestine theft or a theft com\-mitted by any one of the ship}{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 '}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 s company, whether crew or passengers.}{\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 \par \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 10. The term }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 arrests, etc., of kings, princes, and people}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 refers to political or executive acts, and does not include a loss caused by riot or by ordinary judicial process. \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 \par }{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 11. The t}{\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 erm }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{ \fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 barratry}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 includes every }{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 wrongful act wilfully committed by the master or crew to the prejudice of the owner or, as the case may be, the charterer. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid7022240 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 12. The term }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 all other perils}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 includes only perils similar in kind to the perils specifically mentioned in the policy. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid7022240 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 13. The term }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 average unless general}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 means a partial loss of the subject-matter insured other than a general average loss, and does not include }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 particular charges}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 . \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid7022240 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 14. When a policy contains the words }{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 warranted free from particular average unless the ship is stranded, sunk, or burnt}{ \fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 , or any similar expression, and any such accident has happened to the ship, the insurer is liable for the excepted losses, although the loss is not attributable to such accident, provided that when the accident occurs the risk has a ttached and (if the policy is on goods) the damaged goods are on board. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid7022240 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 15. The term }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 ship}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 includes the hull, materials and outfit, stores and provisions for the officers and crew, and, in the case of vessels engaged in a special trade, the ordinary fitt ings requisite for the trade; and also, in the case of a steamship, the machinery, boilers, and coals and engine stores, if owned by the assured. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid7022240 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 16. The term }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 freight}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 includes the profit derivable by a shipowner from the employment of his ship to carry his own goods or movables, as well as freight payable by a third party, but does not include passage money. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid7022240 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 17. The term }{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{ \fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 goods}{\fs24\lang5129\langfe1033\langnp5129\insrsid666497\charrsid7733398 "}{\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 means goods in the nature of merchandise, and does not include personal effects or provisio}{\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 ns and stores for use on board. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid7022240 {\fs24\lang5129\langfe1033\langnp5129\insrsid16216404\charrsid7733398 18. In the absence of any usage to the contrary, deck cargo and living animals must be insured specifically, and not under the general denomination of goods. \par }\pard \ql \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid16216404 {\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 \par }\pard \qc \li0\ri0\widctlpar\faauto\adjustright\rin0\lin0\itap0\pararsid11760980 {\fs24\lang5129\langfe1033\langnp5129\insrsid4357431 ------------------------------------------}{\fs24\lang5129\langfe1033\langnp5129\insrsid11760980\charrsid7733398 \par }}