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\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 8 \tab Defeasible or contingent interest 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 9 \tab Partial interest 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 10 \tab Reinsurance 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 11 \tab Bottomry 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 12 \tab Master\rquote s and seamen\rquote s wages 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 13 \tab Advance freight 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 14 \tab Charges of insurance 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 15 \tab Quantum of interest 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 16 \tab Assignment of interest 
\par 
\par }\pard \qc \li0\ri0\widctlpar\tx456\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\i\insrsid5127004\charrsid5127004 Insurable Value
\par }\pard \ql \li0\ri0\widctlpar\tx456\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 17 \tab Measure of insurable value }{\insrsid5127004 
\par 
\par }\pard \qc \li0\ri0\widctlpar\tx456\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\i\insrsid5127004\charrsid5127004 Disclosure and Representations
\par }\pard \ql \li0\ri0\widctlpar\tx456\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid5127004\charrsid16481663 
\par 18 \tab }{\insrsid5127004 Disclosure by assured
\par }{\insrsid5127004\charrsid16481663 
\par 19 \tab Disclosure by agent effecting insurance 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 20 \tab Representations pending negotiation of }{\insrsid5127004 contract
\par }{\insrsid5127004\charrsid16481663 
\par 21 \tab When contract is deemed to be concluded 
\par 
\par }\pard \qc \li0\ri0\widctlpar\tx456\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\i\insrsid5127004\charrsid5127004 The Policy
\par }\pard \ql \li0\ri0\widctlpar\tx456\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 22 \tab Contract must}{\insrsid5127004  be embodied in policy
\par }{\insrsid5127004\charrsid16481663 
\par 23 \tab What policy must specify 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 24 \tab Signature of insurer 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 25 \tab Designation of subject-matter 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 26 \tab Failure to execute and stamp policy 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 27 \tab Voyage and time policies 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 28 \tab Valued policy 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 29 \tab Unvalued policy 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 30 \tab Floating policy by ship or ships 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 31 \tab Premium to be arranged 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 32 \tab }{\insrsid5127004 Construction of terms in policy
\par 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\i\insrsid5127004\charrsid2450662 Double Insurance
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 33.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Double insurance}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\i\insrsid5127004\charrsid2450662 Warranties
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 34.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Nature of warranty}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 35.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
When breach of warranty excused}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 36.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Express warranties}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 37.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Warranty of neutrality}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 38.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
No implied warranty of nationality}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 39.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Warranty of good safety}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 40.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Warranty of seaworthiness of ship}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 41.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
No implied warranty that goods ar}{\insrsid5127004 e }{\insrsid5127004\charrsid16481663 seaworthy}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 42.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Warranty of legality}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\i\insrsid5127004\charrsid2450662 The Voyage
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 43.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Implied condition as to commencement of}{\insrsid5127004  }{\insrsid5127004\charrsid16481663 risk}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 44.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Alteration of port of departure}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 45.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Sailing for different destination}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 46.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Change of voyage}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 47.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Deviation}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 48.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Several ports of discharge}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 49.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Delay in voyage}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 50.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Excuses for deviation or delay}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\i\insrsid5127004\charrsid2450662 Assignment of Policy
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 51.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
When and how policy is assignable}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 52.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Assured who has no interest cannot assign}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\i\insrsid5127004\charrsid2450662 The Premium
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 53.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Policy effected through broker}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 54.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Effect of receipt on policy}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\i\insrsid5127004\charrsid2450662 Loss and Abandonment
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 55.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Included and excluded losses}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 56.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Partial and total loss}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 57.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Actual total loss}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 58.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Missing ship}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 59.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Effect of }{\insrsid5127004 transhipment
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 60.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Constructive total loss defined}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 61.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Effect of constructive total loss}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 62.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Notice of abandonment}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 63.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls58\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Effect of abandonment}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\tx456\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid5127004\charrsid16481663 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid1400090\charrsid16481663 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\i\insrsid5127004\charrsid5127004 Partial Losses (Including Salvage and General Average and Particular Charges)}{\insrsid5127004 
\par }{\i\insrsid5127004\charrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\tx456\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid5127004\charrsid16481663 64 \tab }{\insrsid5127004 Particular average loss
\par }{\insrsid5127004\charrsid16481663 
\par 65 \tab Salvage charges 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 66 \tab General average loss 
\par 
\par }\pard \qc \li0\ri0\widctlpar\tx456\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\i\insrsid5127004\charrsid5127004 Measure of Indemnity
\par }\pard \ql \li0\ri0\widctlpar\tx456\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 67 \tab Extent o}{\insrsid5127004 f liability of insurer for loss
\par }{\insrsid5127004\charrsid16481663 
\par 68 \tab Total loss 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 69 \tab Partial loss of ship 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 70 \tab Partial loss of freight 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 71 \tab Partial loss of goods, merchandise 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 72 \tab Apportionment of valuation 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 73 \tab General average contributions and salvage }{\insrsid5127004 charges
\par }{\insrsid5127004\charrsid16481663 
\par 74 \tab Liabilities to third parties 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 75 \tab General provisions as to measure of indemnity 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 76 \tab Particular average warranties 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 77 \tab Successive losses 
\par }{\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 78 \tab Suing and labouring clause 
\par }{\insrsid5127004 
\par }\pard \qc \li0\ri0\widctlpar\tx456\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\i\insrsid5127004\charrsid5127004 Rights of Insurer on Payment
\par }\pard \ql \li0\ri0\widctlpar\tx456\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid5127004 
\par }{\insrsid5127004\charrsid16481663 79 \tab Right of subrogation }{\insrsid5127004 
\par 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 80.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls59\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Right of contribution}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 81.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls59\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Effect of under-insurance}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\i\insrsid5127004\charrsid2450662 Return of Premium
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 82.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls59\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Enforcement of return}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 83.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls59\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Return by agreement}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 84.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls59\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Return for failure of consideration}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\i\insrsid5127004\charrsid2450662 Mutual Insurance
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 85.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls59\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Modification of Act in case of mutual}{\insrsid5127004  }{\insrsid5127004\charrsid16481663 insurance}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\i\insrsid5127004\charrsid2450662 Supplemental
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 86.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls59\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Ratification by assured}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 87.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls59\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Implied obligations varied by agreement or}{\insrsid5127004  }{\insrsid5127004\charrsid16481663 usage}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 88.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls59\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Reasonable time, a question of fact}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 89.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls59\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
Application of common law}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par {\listtext\pard\plain\insrsid5127004\charrsid16481663 \hich\af0\dbch\af0\loch\f0 90.\tab}}\pard \ql \li0\ri0\widctlpar\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls59\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 
[Repealed]}{\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 
\par }\pard \ql \li0\ri0\widctlpar\tx456\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004\charrsid16481663 SCHEDULES
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid1400090 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5127004 {\insrsid5127004 __________________________
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid5127004\charrsid16481663 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14965400 {\b\insrsid1400090\charrsid14965400 To consolidate certain enactments relating}{\b\insrsid5127004\charrsid14965400  to marine insurance}{
\b\insrsid1400090\charrsid14965400 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid5127004\charrsid16481663 
\par }{\b\insrsid1400090\charrsid14965400 1 Short Title 
\par }{\insrsid5127004 
\par }{\insrsid1400090\charrsid16481663 This is the Marine Insurance Act 1908. 
\par }{\insrsid5127004 
\par }{\b\insrsid1400090\charrsid14965400 2 Interpretation}{\insrsid1400090\charrsid16481663  }{\insrsid14965400 
\par 
\par }{\insrsid1400090\charrsid16481663 In this Act \endash  }{\insrsid14965400 
\par 
\par }{\b\insrsid16481663\charrsid14965400 "}{\b\insrsid1400090\charrsid14965400 action}{\b\insrsid16481663\charrsid14965400 "}{\insrsid1400090\charrsid16481663  includes counterclaim and set-off; }{\insrsid14965400 
\par 
\par }{\b\insrsid16481663\charrsid14965400 "}{\b\insrsid1400090\charrsid14965400 freight}{\b\insrsid16481663\charrsid14965400 "}{\insrsid1400090\charrsid16481663 
 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 }{\insrsid3938617 does not include passage money;
\par 
\par }{\b\insrsid16481663\charrsid3938617 "}{\b\insrsid1400090\charrsid3938617 movables}{\b\insrsid16481663\charrsid3938617 "}{\insrsid1400090\charrsid16481663  means any movable tangible property other than the ship, and includes money, valuable s}{
\insrsid3938617 ecurities, and other documents;
\par 
\par }{\b\insrsid16481663\charrsid3938617 "}{\b\insrsid1400090\charrsid3938617 policy}{\b\insrsid16481663\charrsid3938617 "}{\insrsid1400090\charrsid16481663  means a marine policy. 
\par }{\insrsid3938617 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3938617 {\i\insrsid1400090\charrsid3938617 Marine Insurance
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid3938617 
\par }{\b\insrsid1400090\charrsid3938617 3 Marine insurance defined, mixed sea and land risks }{\b\insrsid1400090 
\par }{\b\insrsid3938617\charrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (1) A contact 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 \endash 
 that is to say, the losses incident to marine adventure. 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (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 }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (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 form of a marine policy, the provisions of this Act, in so far as applicable, shall apply to it; but, except as provided by this section, nothing in this Act shall alter or affect any rule of}{\insrsid16481663\charrsid16481663  }{
\insrsid1400090\charrsid16481663 law applicable to any contract of insurance other than a contract of marine insurance as defined by this Act. 
\par 
\par }{\b\insrsid1400090\charrsid2243231 4 Marine adventure and maritime perils defined 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (1) Subject to this Act, every lawful marine adventure may be the subject of a contract of marine insurance. 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (2) In particular there is a marine adventure where \endash  
\par }{\insrsid3938617 
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2243231 {\insrsid1400090\charrsid16481663 (a) Any ship, goods, or other movables (}{\insrsid16481663\charrsid16481663 "}{
\insrsid1400090\charrsid16481663 insurable property}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 ) are exposed to maritime perils; 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2243231 {\insrsid3938617 
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2243231 {\insrsid1400090\charrsid16481663 (b) The earning or acquisition of any freight, passage money, commission, profit, or other pecuniary ben
efit, or the security for any advances, loan, or disbursements, is endangered by the exposure of insurable property to the marine perils; 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2243231 {\insrsid3938617 
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2243231 {\insrsid1400090\charrsid16481663 
(c) Any liability to a third party may be incurred by the owner of, or other person interested in or responsible for, insurable property by reason of maritime perils. 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (3) }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 Maritime perils}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 
 means the perils consequent on or incidental to the navigation of the sea \endash  perils of the seas, fire, war perils, pirates, rovers, thieves, captures, seizures, restraints, and detai
nments of princes and peoples, jettisons, barratry, and any other perils, either of the like kind or designated by the policy. 
\par 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3938617 {\i\insrsid1400090\charrsid3938617 Insurable Interests}{\i\insrsid1400090 
\par }{\b\i\insrsid3938617\charrsid3938617 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\b\insrsid1400090\charrsid3938617 5 Avoidance }{\b\insrsid3938617 of wagering or gaming contracts}{\b\insrsid1400090 
\par }{\b\insrsid3938617\charrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (1) Every contract of marine insurance by way of gaming or wagering is void. 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (2) A contract of marine insurance is deemed to be a gaming or wagering contract \endash  
\par }{\insrsid3938617 
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid3938617 {\insrsid1400090\charrsid16481663 (a) Where the assured has not an insurable interest}{\insrsid16481663\charrsid16481663 ,}{
\insrsid1400090\charrsid16481663  and the contract is entered into with no expectation of acquiring such an interest; or 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (b) Where the policy is made }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 interest or no interest}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 , or }{
\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 without further proof of interest than the policy itself}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 , or }{\insrsid16481663\charrsid16481663 "}{
\insrsid1400090\charrsid16481663 without benefit of salvage to the insurer}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 , or subject to any other like term. 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (3) Where there is no possibility of salvage a policy may be effected without ben}{\insrsid3938617 efit of salvage to the insurer.}{\insrsid1400090\charrsid16481663 
\par 
\par }{\b\insrsid3938617\charrsid3938617 6 Insurable interest defined}{\b\insrsid1400090\charrsid3938617 
\par }{\insrsid3938617\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (1) Subject to this Act, every person has an insurable interest who is interested in a marine adventure. 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 
(2) In particular a 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 of or due arrival of ins
urable property, or may be prejudiced by its loss, or by damage to it, or by the detention of it, or may incur liability in respect of it. 
\par 
\par }{\b\insrsid1400090\charrsid3938617 7 When interest must attach 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (1) (a) The assured must be interested in the subject-matter insured at the time of the loss, though he need not be interested when the insurance is effected. 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (b) Where the subject-matter is insured }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 lost or not lost}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 
, 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 }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (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 }{\insrsid3938617 
\par }{\b\insrsid1400090\charrsid3938617 8 Defeasible or contingent interest 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (1) A defeasible interest is insurable, as also is a contingent interest. 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (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\rquote 
s risk, by reason of the latter\rquote s delay in making delivery or otherwise. 
\par }{\insrsid3938617 
\par }{\b\insrsid1400090\charrsid3938617 9 Partial interest 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 A partial interest of any nature is insurable. 
\par }{\insrsid3938617 
\par }{\b\insrsid1400090\charrsid3938617 10 Reinsurance 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (1) The insurer under a contract of marine insurance has an insurable interest in his risk, and may reinsure in respect of it. 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (2) Unless the policy otherwise provides, the original assured has no right or interest in respect of such reinsurance. 
\par 
\par }{\b\insrsid1400090\charrsid3938617 11 Bottomry 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 The lender of money on bottomry or respondentia has an insurable interest in respect of the loan. 
\par }{\insrsid3938617 
\par }{\b\insrsid1400090\charrsid3938617 12 Master\rquote s and seamen\rquote s wages 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 The master or any member of the crew of a ship has an insurable interest in respect of his wages. 
\par }{\insrsid3938617 
\par }{\b\insrsid1400090\charrsid3938617 13 Advance freight 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 In the case of advance freight, the person advancing the freight has an insurable interest in so far as such freight is not repayable in case of loss. 
\par }{\b\insrsid3938617 
\par }{\b\insrsid1400090\charrsid3938617 14 Charges of insurance 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 The assured has an insurable interest in the charges of any insurance which he may effect. 
\par }{\insrsid3938617 
\par }{\b\insrsid1400090\charrsid3938617 15 Quantum of interest 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (1) Where the subject-matter insured is mortgaged, the mortgagor has an insurable interest in the full value of it, and the mortgagee has an insurable interest in respect of any sum due or to become due under the mo
rtgage. 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (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 }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (3) The owner of insurable property has an insurable interest in respect of the full value of it, notwithstanding that some third person may have agreed, or be liable, to indemnify him in case of loss. 
\par 
\par }{\b\insrsid1400090\charrsid3938617 16 Assignment of interest 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (1) Where the assured assigns or otherwise 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 }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (2) The provisions of this section do not affect a transmission of interest by operation of law. 
\par 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3938617 {\i\insrsid1400090\charrsid3938617 Insurable Value
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid3938617 
\par }{\b\insrsid1400090\charrsid3938617 17 Measure of insurable value 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 Subject to any express provision or valuation in the policy, the insurable value of the subject-matter insured must be ascertained as follows: 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (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\rquote 
s wages, and othe
r 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, includes 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 that trade; 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (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; 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (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 charges of insurance upon the whole; 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (d) In insurance on any other subject-matter the insurable value is the amount at the risk of the assured when the policy attaches, plus the charges of insurance. 
\par 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3938617 {\i\insrsid1400090\charrsid3938617 Disclosure and Representations
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid3938617 
\par }{\b\insrsid1400090\charrsid3938617 18 Disclosure by assured 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (1) Subject to this section, the 
assured must disclose to the insurer, before the contract is concluded, every material circumstance known to the assured, and the assured is deemed to know every circumstance which, in the ordinary course of business, ought to be known by him. If the assu
red fails to make such a disclosure, the insurer may avoid the contract. 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (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 }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (3) In the absence of inquiry the following circumstances need not be disclosed, namely: 
\par }{\insrsid3938617 
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid3938617 {\insrsid1400090\charrsid16481663 (a) Any circumstance which diminishes the risk; 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 
(b) Any circumstance known or presumed to be known to the insurer. The insurer is presumed to know matters of common notoriety or knowledge, and matters which an insurer in the ordinary course of his business, as such, ought to know; 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (c) Any circumstance as to which information is waived by the insurer; 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (d) Any circumstance which is superfluous to disclose by reason of any express or implied warranty. 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (4) Whether any particular circumstance which is not disclosed is material or not is in }{\insrsid3938617 each case a question of fact.}{\insrsid1400090 
\par }{\insrsid3938617\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (5) The term }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 circumstance}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 
 includes any communication made to or information received by the assured. 
\par 
\par }{\b\insrsid1400090\charrsid3938617 19 Disclosure by agent effecting insurance 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 Subject to section 18 as to circumstances which need not be disclosed, where an insurance is effected for the assured by an agent, the agent must disclose to the insurer \endash  
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid3938617 {\insrsid1400090\charrsid16481663 
(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 him or to have been communicated to him; and 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (b) Every material circumstance which the assured is bound to disclose, unless it comes to his knowledge too late to communicate it to an agent. 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid1400090\charrsid16481663 
\par }{\b\insrsid1400090\charrsid3938617 20 Representations pending negotiation of contract 
\par }{\insrsid3938617 
\par }{\insrsid1400090\charrsid16481663 (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.}{\insrsid16481663\charrsid16481663  }{
\insrsid1400090\charrsid16481663 If it is untrue, the }{\insrsid350800 insurer may avoid the contract.}{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (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 }{\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (3) A representation may be either a representation as to a matter of fact or as to a matter of expectation or belief. 
\par 
\par (4) A representation as to a matter of fact is true}{\insrsid350800  if it is substantially correct}{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 \endash  ie if the difference between what is represented and what is actually correct would not be considered material by a prudent insurer. 
\par }{\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (5) A representation as to a matter of expectation or belief is true if it is made in good faith. 
\par }{\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (6) A representation may be withdrawn or corrected before the contract is concluded. 
\par }{\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (7) Whether a particular representation is material or not is in each case a question of fact. 
\par 
\par }{\b\insrsid1400090\charrsid350800 21 When contract is deemed to be concluded 
\par }{\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 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 }{\i\insrsid350800 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid350800 {\i\insrsid1400090\charrsid350800 The Policy
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid350800 
\par }{\b\insrsid1400090\charrsid350800 22 Cont}{\b\insrsid350800\charrsid350800 ract must be embodied in policy}{\b\insrsid1400090\charrsid350800 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (1) No action shall be brought on a contract of marine insurance unless it is embodied in a marine policy under this Act. 
\par }{\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (2) The policy may be executed and issued either at the time when the contract is concluded or afterwards. 
\par 
\par }{\b\insrsid1400090\charrsid350800 23 What policy must specify 
\par }{\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 A marine policy must specify \endash  
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid350800 {\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (a) The name of the assured or of some person who effects the insurance on his behalf; 
\par }{\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (b) The subject-matter insured and the risk insured against; 
\par }{\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (c) The voyage or period of time, or both, as the case may be, covered by the insurance; 
\par }{\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (d) The sum or sums insured; 
\par }{\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (e) The name or names of the insurers. 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid1400090\charrsid16481663 
\par }{\b\insrsid1400090\charrsid350800 24 Signature of insurer 
\par }{\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (1) (a) A marine policy must be signed }{\insrsid350800 by or on behalf of the insurer.}{\insrsid1400090 
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid409447 {\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (b) In the case of a corporation the corporate seal may be sufficient, but nothing in this section shall be construed as requiring the subscription of a corporation to be under seal. 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (2) Where a policy is subscribed by or on behalf of 2 or more insurers, each subscription, unless the contrary is expressed, constitutes a distinct contract with the assured. 
\par }{\insrsid350800 
\par }{\b\insrsid1400090\charrsid409447 25 Designation of subject-matter 
\par }{\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (1) The subject-matter insured must be designated in a marine policy with reasonable certainty. 
\par }{\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (2) The nature and extent of the interest of the assured in the subject-matter insured need not be specified in the policy. 
\par }{\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (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 }{\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (4) In the application of this section regard shall be had to any usage regulating the designation of the subject-matter insured. 
\par 
\par }{\b\insrsid1400090\charrsid350800 26 Failure to execute and stamp policy 
\par }{\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 
(1) If any person, whether 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 30 days after receiving
 or taking credit for such premium or consideration duly execute or procure to be duly executed, a policy of such insurance, he shall be liable to a fine of 2 penalty units. 
\par }{\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (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 executed 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 2 penalty units. 
\par }{\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (3) This section does not apply to contracts of reinsurance of risks in respect whereof policies have been duly executed. 
\par }{\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (4) This section applies to that agent of an insurer, whether such insurer resides or carries on business in Niue or elsewhere. 
\par 
\par }{\b\insrsid1400090\charrsid350800 27 Voyage and time policies 
\par }{\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (1) (a) 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 }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 voyage policy}
{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663  and where the contract is to insure the subject-matter for a definite period of time, the policy is called a }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 
time policy}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 . 
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid350800 {\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (b) A contract for both voyage and time may be included in the same policy. 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (2) A time policy which is made for any time exceed
ing 12 months is invalid; but a time policy may contain an agreement to the effect that, in the event of the ship being at sea or the voyage otherwise not completed on the expiration of 12 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 }{\insrsid350800 after it not exceeding 30 days.}{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\b\insrsid1400090\charrsid350800 28 Valued policy }{\b\insrsid1400090 
\par }{\b\insrsid350800\charrsid350800 
\par }{\insrsid1400090\charrsid16481663 (1) A policy may be either valued or unvalued. }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (2) A valued policy is a policy which specifies the agreed value of the subject-matter insured. }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 
(3) Subject to this Act, and in the absence 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. }{\insrsid1400090 

\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (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 
\par }{\b\insrsid1400090\charrsid350800 29 Unvalued policy }{\b\insrsid1400090 
\par }{\b\insrsid350800\charrsid350800 
\par }{\insrsid1400090\charrsid16481663 
An unvalued policy is a policy which does 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. }{\insrsid1400090 

\par }{\insrsid350800\charrsid16481663 
\par }{\b\insrsid1400090\charrsid350800 30 Floating policy by ship or ships }{\b\insrsid1400090 
\par }{\b\insrsid350800\charrsid350800 
\par }{\insrsid1400090\charrsid16481663 (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. }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (2) The subsequent declaration or declarations may be made by endorsement on the policy or in other customary manner. }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (3) Unless the policy otherwise provides, the declarations must be made in the order of despatch or shipment.}{\insrsid16481663\charrsid16481663  }{\insrsid1400090\charrsid16481663 
They must, in the case of goods, comprise all consignments within the ter
ms of the policy, and the value of the goods or other property must be honestly stated, but an omission or erroneous declaration may be rectified even after loss or arrival, provided the omission or declaration was made in good faith. }{\insrsid1400090 

\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (4) Unless the poli
cy otherwise provides, 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 
\par }{\b\insrsid1400090\charrsid350800 31 Premium to be arranged 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (1) Where an insurance is effected at a premium to be arranged, and no arrangement is made, a reasonable premium is payable. }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (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 arrangement is made, then a reasonable additional premium is payable. 
\par 
\par }{\b\insrsid1400090\charrsid350800 32 Construction of terms in policy 
\par }{\b\insrsid350800\charrsid350800 
\par }{\insrsid1400090\charrsid16481663 Subject to this Act, and unless the context of the policy otherwise requires the terms and expressions mentioned in Schedule 2 have, when contained in a polic
y, the meaning and operation attributed to them in that Schedule. }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid350800 {\i\insrsid1400090\charrsid350800 Double Insurance
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid350800\charrsid16481663 
\par }{\b\insrsid1400090\charrsid350800 33 Double insurance 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (1) Where 2 or more policies are effected by or on behalf of the assured on the same adventure and interest or any part of it, and the sums insured 
exceed the indemnity allowed by this Act, the assured is said to be over-insured by double insurance. }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (2) Where the assured is over-insured by double insurance \endash  }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid350800 {\insrsid1400090\charrsid16481663 
(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 indemnity allowed by this Act; }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (b) Where the policy under whic
h 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-matter insured; }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (c) Where the policy under which the assured claims is an unvalued policy, he must give credit, as against the full insurable value, for any sum received by him under any other policy; }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (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 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid350800 {\insrsid1400090\charrsid16481663 Warranties}{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\b\insrsid1400090\charrsid350800 34 Nature of warranty }{\b\insrsid1400090 
\par }{\b\insrsid350800\charrsid350800 
\par }{\insrsid1400090\charrsid16481663 (1) A warranty, in the following sections relating to warranties, means a promissory warranty \endash 
 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. }{
\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (2) A warranty may be express or implied. }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (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 insure
r is discharged from liability as from the date of the breach or warranty, but without prejudice to any liability incurred by him before that date. 
\par 
\par }{\b\insrsid1400090\charrsid350800 35 When breach of warranty excused }{\b\insrsid1400090 
\par }{\b\insrsid350800\charrsid350800 
\par }{\insrsid1400090\charrsid16481663 (1) Non-compliance with a warranty is excused when, by reason of a ch
ange 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. }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (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 
\par (3) A breach of warranty may be waived by the insurer. }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\b\insrsid1400090\charrsid350800 36 Express warranties }{\b\insrsid1400090 
\par }{\b\insrsid350800\charrsid350800 
\par }{\insrsid1400090\charrsid16481663 (1) An express warranty may be in any form of words from which the intention to warrant is to be inferred. }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (2) An express warranty must be included in or written upon this policy, or must be contained in some document incorporated by reference into the policy. }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (3) An express warranty does not exclude an implied warranty, unless it is inconsistent therewith. 
\par 
\par }{\b\insrsid1400090\charrsid350800 37 Warranty of neutrality }{\b\insrsid1400090 
\par }{\b\insrsid350800\charrsid350800 
\par }{\insrsid1400090\charrsid16481663 (1) Where insurable property, whether ship or goods, is expressly warranted neutral, there is an implied condition tha
t 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. }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (2) (a) 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 \endash 
 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. }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (b) If any loss occurs through breach of this condition, the insurer may avoid the contract. }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\b\insrsid1400090\charrsid350800 38 No implied warranty of nationality }{\b\insrsid1400090 
\par }{\b\insrsid350800\charrsid350800 
\par }{\insrsid1400090\charrsid16481663 There is no implied warranty as to the nationality of a ship, or that her nationality shall not be changed during the risk. }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\b\insrsid1400090\charrsid350800 39 Warranty of good safety 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 Where the subject-matter insured is warranted }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 well}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663  or }{
\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 in good safety}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663  on a particular day, it is sufficient if it is safe at any time during that day. }{
\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\b\insrsid1400090\charrsid350800 40 Warranty of seaworthiness of ship 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (1) In a voyage policy there is an implied warranty that at the commencement of the voyage the ship shall be seaworthy for the purpose of the particular adventure insured. }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (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. }{
\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (3) Where the policy 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 such preparation or equipment for
 the purposes of that stage. }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (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. }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (5) In a time policy th
ere is no implied warranty 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 
\par }{\b\insrsid1400090\charrsid350800 41 No implied warranty that goods are seaworthy }{\b\insrsid1400090 
\par }{\b\insrsid350800\charrsid350800 
\par }{\insrsid1400090\charrsid16481663 (1) In a policy on goods or other movables there is no implied warranty that the goods or movables are seaworthy. }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (2) In a voyage policy on goods or other movables there is an implied warranty that at t
he 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 
\par }{\b\insrsid1400090\charrsid350800 42 Warranty of legality }{\b\insrsid1400090 
\par }{\b\insrsid350800\charrsid350800 
\par }{\insrsid1400090\charrsid16481663 There is an implied warranty that the adventure insured is a lawful one, and that, so far as the assured can control the matter, the adventure shall be carried out in a lawful manner. }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid350800 {\i\insrsid1400090\charrsid350800 The Voyage
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid350800\charrsid16481663 
\par }{\b\insrsid1400090\charrsid350800 43 Implied condition as to commencement of risk 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (1) Where the subject-matter is insured by a voyage policy }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 at and from}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663  or }{
\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 from}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 
 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 }{\insrsid350800 insurer may avoid the contract.}{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (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 
\par }{\b\insrsid1400090\charrsid350800 44 }{\b\insrsid350800\charrsid350800 Alteration of port of departure}{\b\insrsid1400090\charrsid350800 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 Where the place of departure is specified by the policy, and the ship instead of sailing from that place sails from any other p}{\insrsid350800 lace, the risk does not attach.}{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\b\insrsid1400090\charrsid350800 45 Sa}{\b\insrsid350800\charrsid350800 iling for different destination}{\b\insrsid1400090\charrsid350800 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 Where the destination is specified in the policy, and the ship instead of sailing for that destination sails for any other destina}{\insrsid350800 tion, the risk does not attach.}{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\b\insrsid350800\charrsid350800 46 Change of voyage}{\b\insrsid1400090\charrsid350800 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (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}{\insrsid350800  said to be a change of voyage.}{
\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (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 \endash 
 ie 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 the policy when the loss occurs. 
\par 
\par }{\b\insrsid350800 47 Deviation}{\b\insrsid1400090 
\par }{\b\insrsid350800\charrsid350800 
\par }{\insrsid1400090\charrsid16481663 (1) Where a ship without lawful excuse deviates from the voyage contemplated by the policy, the insurer is discharged from liability as from the time of deviation, and it is immaterial that the ship may have regained he}
{\insrsid350800 r route before any loss occurs.}{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (2) There is a deviation from the voyage contemplated by the policy \endash  }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid350800 {\insrsid1400090\charrsid16481663 
(a) Where the course of the voyage is specifically designated by the policy, and that course is departed from; or }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (b) Where the course of the voyage is not specifically designated by the policy, but the usual and customary course is departe}{\insrsid350800 d from.}{\insrsid1400090 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (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 
\par }{\b\insrsid350800\charrsid350800 48 Several ports of discharge}{\b\insrsid1400090\charrsid350800 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 
(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 design
ated by the policy.}{\insrsid16481663\charrsid16481663  }{\insrsid1400090\charrsid16481663 If she }{\insrsid350800 does not, there is a deviation.}{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (2) Where the policy is to }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 ports of discharge}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 
 within a given area, which are not named, the ship must, in the absence of any usage or sufficient cause to the contrary, proceed to them, or such of them as she goes to, in their geographical order.}{\insrsid16481663\charrsid16481663  }{
\insrsid1400090\charrsid16481663 If she does not, there is a deviation. 
\par 
\par }{\b\insrsid350800\charrsid350800 49 Delay in voyage}{\b\insrsid1400090\charrsid350800 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 In the case of a voyage policy the adventure insured must be prosecuted throughout its course with rea
sonable despatch, and if without lawful excuse it is not so prosecuted, the insurer is discharged from liability as from the time when}{\insrsid350800  the delay became unreasonable.}{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\b\insrsid1400090\charrsid350800 50}{\b\insrsid350800\charrsid350800  Excuses for deviation or delay}{\b\insrsid1400090\charrsid350800 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (1) Deviation or delay in prosecuting the voyage contemplated by the policy is excused \endash  }{\insrsid1400090 
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid350800 {\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (a) Where authorised by any special term in the policy; or }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (b) Where caused by circumstances beyond the control of the master and his employer; or }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (c) Where reasonably necessary in order to comply with an express or implied warranty; or }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (d) Where reasonably necessary for the safety of the ship or subject-matter insured; or }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (e) For the purpose of saving human life, or aiding a ship in distress where human life may be in danger; or }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (f)\tab Where reasonably necessary for the purpose of obtaining medical or surgical aid for any person on board the ship; or }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (g) Where caused by the barratrous conduct of the master or crew, if barratry is one of the perils insured against. }{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid1400090\charrsid16481663 (2) When the cause excusing the deviation or d
elay ceases to operate, the ship must resume her course and prosecute her voyage with reasonable despatch. 
\par 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid350800 {\i\insrsid1400090\charrsid350800 Assignment of Policy}{\i\insrsid1400090 
\par }{\i\insrsid350800\charrsid350800 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\b\insrsid1400090\charrsid350800 51 When and how policy is assignable }{\b\insrsid1400090 
\par }{\b\insrsid350800\charrsid350800 
\par }{\insrsid1400090\charrsid16481663 (1) A marine policy is assignable unless it contains terms expressly prohibiting assignment.}{\insrsid16481663\charrsid16481663  }{\insrsid1400090\charrsid16481663 It may be assigned either before or after loss. }{
\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (2) Where a marine policy 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 out of the contract which he would have been entitled to make if the action had been brought in the name of the person by or on behalf of whom
 the policy was effected. }{\insrsid350800 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (3) A marine policy may be assigned by endorsement thereon or in other customary manner. 
\par 
\par }{\b\insrsid1400090\charrsid350800 52 Assured who has no interest cannot assign 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 Where the assured has parted with or lost his interest in the subject-matter insur
ed, 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: Provided that nothing in this section affects the assignment }{\insrsid350800 
of a policy after loss.}{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid350800 {\i\insrsid1400090\charrsid350800 The Premium}{\i\insrsid1400090 
\par }{\i\insrsid350800\charrsid350800 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\b\insrsid1400090\charrsid350800 53 Policy effected through broker 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (1) Unless otherwise agreed, where a marine policy is effected on behalf of the assured by a broker, the broker is directly responsible to the insurer for the premium, and the insurer is directly responsible to the as
sured for the amount which may be payable in respect of losses or in}{\insrsid350800  respect of returnable premium.}{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (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 eff
ecting the policy; and, where he has dealt with the person who employs him as a principal, he has also 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 h
ad reason to believe that such person was only an agent. 
\par 
\par }{\b\insrsid1400090\charrsid350800 54 Effect of receipt on policy }{\b\insrsid1400090 
\par }{\b\insrsid350800\charrsid350800 
\par }{\insrsid1400090\charrsid16481663 Where a marine policy effected on behalf of the assured by a broker acknowledges the receipt of the premium, such acknowledgement is, in the absence of fraud, conclu
sive as between the insurer and the assured, but not as betw}{\insrsid350800 een the insurer and the broker.}{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid350800 {\i\insrsid350800\charrsid350800 Loss and Abandonment}{\i\insrsid1400090\charrsid350800 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid350800\charrsid16481663 
\par }{\b\insrsid350800\charrsid350800 55 Included and excluded losses}{\b\insrsid1400090\charrsid350800 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (1) Subject to this Act, and unless the policy otherwise provides, the in
surer 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 cau}{\insrsid350800 sed by a peril insured against.}{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (2) In particular \endash  }{\insrsid1400090 
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid350800 {\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (a) The insurer is not liable for any loss attribu
table 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 happened but for the misconduct or negligence of the mast
er o}{\insrsid350800 r crew;}{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (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 cau}{\insrsid350800 sed by a peril insured against;}{\insrsid1400090 

\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (c) Unless the policy otherwise provides, the insurer is no
t 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 machinery not proximately caused by maritime perils. 

\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid1400090\charrsid16481663 
\par }{\b\insrsid1400090\charrsid350800 56 Par}{\b\insrsid350800\charrsid350800 tial and total loss}{\b\insrsid1400090\charrsid350800 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (1) A loss may be either total or partial.}{\insrsid16481663\charrsid16481663  }{\insrsid1400090\charrsid16481663 Any loss other than a total loss, as hereinaf}{\insrsid350800 ter defined, is a partial loss.}{
\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (2) A total loss may be either an actual total los}{\insrsid350800 s or a constructive total loss.}{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (3) Unless a different intention appears from the terms of the policy, an insurance against total loss includes a constructive as well as an actual total}{\insrsid350800  loss.}{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (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 provid}{\insrsid350800 es, recover for a partial loss.}{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (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 
\par }{\b\insrsid1400090\charrsid350800 57 Actual total loss 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (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 of it,}{\insrsid350800  there is an actual total loss.}{
\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (2) In the case of an actual total loss no notice of abandonment need be given. 
\par 
\par }{\b\insrsid350800\charrsid350800 58 Missing ship}{\b\insrsid1400090\charrsid350800 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 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 act}{\insrsid350800 ual total loss may be presumed.}{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\b\insrsid350800\charrsid350800 59 Effect of transshipment}{\b\insrsid1400090\charrsid350800 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 
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 justify the master in landing and reshipping the goods or ot
her movables, or in transshipping them, and sending them on to their destination, the liability of the insurer continues, notwithstanding the landing or transshipment. 
\par }{\insrsid350800 
\par }{\b\insrsid1400090\charrsid350800 60 }{\b\insrsid350800\charrsid350800 Constructive total loss defined}{\b\insrsid1400090\charrsid350800 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (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 ex
ceed its value when the}{\insrsid350800  expenditure had been incurred.}{\insrsid1400090 
\par }{\insrsid350800\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (2) In particular there is a constructive total loss \endash  
\par }{\insrsid350800 
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid350800 {\insrsid1400090\charrsid16481663 (a) Where the assured is deprived of the possession of his ship or goods by a peril insured against, and 

\par }\pard \ql \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid12615373 {\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (i) it is unlikely that he can recover the ship or goods, as the case may be, or 
\par }{\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (ii) the cost of recovering the ship or goods would exceed their value when recovered; or 
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid350800 {\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (b) In the case of damage 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 }{\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (c) In the case of damage to goods, where the cost of repairing the damage and forwarding the goods to their destination would exceed their value on arrival. 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 (3) In estimating the cost of rep
airs, 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 expense of future salvage operations and of any future general average contributions to which the s
hip would be liable if repaired. 
\par 
\par }{\b\insrsid1400090\charrsid350800 61 Effect of constructive total loss 
\par }{\insrsid350800 
\par }{\insrsid1400090\charrsid16481663 Where there is a constructive 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 i}{\insrsid12615373 
f it were an actual total loss.}{\insrsid1400090 
\par }{\insrsid12615373\charrsid16481663 
\par }{\b\insrsid1400090\charrsid12615373 62 Notice of abandonment 
\par }{\insrsid12615373 
\par }{\insrsid1400090\charrsid16481663 (1) (a) Subject to this section, where the assured elects to abandon the subject-matter insured to the insurer he must give notice of abandonment. 
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12615373 {\insrsid12615373 
\par }{\insrsid1400090\charrsid16481663 (b) If he fails to do so, the loss can be treated only as a partial loss. 
\par }{\insrsid12615373 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid1400090\charrsid16481663 
(2) Notice of abandonment may be given in 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 }{\insrsid12615373 
\par }{\insrsid1400090\charrsid16481663 (3) Notice of abandonment must be given with reasonable diligence after the receipt of reliable information of the loss, but where the information is of doubtful character the assured is enti
tled to a reasonable time to make inquiry. 
\par }{\insrsid12615373 
\par }{\insrsid1400090\charrsid16481663 (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 }{\insrsid12615373 
\par }{\insrsid1400090\charrsid16481663 (5) (a) The acceptance of an abandonment may be either express or implied from the conduct of the insurer. 
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid16337081 {\insrsid12615373 
\par }{\insrsid1400090\charrsid16481663 (b) The mere silence of the insurer after notice is not an acceptance. 
\par }{\insrsid12615373 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid1400090\charrsid16481663 (6) (a) Where notice of abandonment is accepted, }{\insrsid16337081 the abandonment is irrevocable.}{
\insrsid1400090 
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid16337081 {\insrsid16337081\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (b) The acceptance of the notice conclusively admits liability for the loss and the sufficiency of the notice. 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid16337081 
\par }{\insrsid1400090\charrsid16481663 (7) Notice of abandonment 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 }{\insrsid16337081 
\par }{\insrsid1400090\charrsid16481663 (8) Notice of abandonment may be waived by the insurer. 
\par }{\insrsid16337081 
\par }{\insrsid1400090\charrsid16481663 (9) Where an insurer has reinsured his risk, no notice of abandonment need be given by him. 
\par 
\par }{\b\insrsid1400090\charrsid16337081 63 Effect of abandonment 
\par }{\insrsid16337081 
\par }{\insrsid1400090\charrsid16481663 (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 to it. 
\par }{\insrsid16337081 
\par }{\insrsid1400090\charrsid16481663 (2) Upon the abandonment of a ship the insurer of 
it is entitled to any freight which is in the 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\rquote 
s goods, the insurer is entitled to a reasonable remuneration for the carriage of them subsequent to the causalty causing the loss. 
\par 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16337081 {\i\insrsid1400090\charrsid16337081 Partial Losses (Including Salvage and General Average and Particular Charges)}{\i\insrsid1400090 
\par }{\i\insrsid16337081\charrsid16337081 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\b\insrsid1400090\charrsid16337081 64 Particular average loss 
\par }{\insrsid16337081 
\par }{\insrsid1400090\charrsid16481663 (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 }{\insrsid16337081 
\par }{\insrsid1400090\charrsid16481663 (2) (a) Expenses incurred by or on behalf of the assured for the safety or preservation of the subject-matter insured, other than the general average and salvage charges are called particular charges. 
\par }{\insrsid16337081 
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid16337081 {\insrsid1400090\charrsid16481663 (b) Particular charges are not included in particular average. 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid16337081 
\par }{\b\insrsid1400090\charrsid16337081 65 Salvage charges 
\par }{\insrsid16337081 
\par }{\insrsid1400090\charrsid16481663 (1) Subject to any express provision in the policy, salvage charges incurred in preventing a loss by perils insured against may be recov}{\insrsid16337081 ered as a loss by those perils.}{\insrsid1400090 
\par }{\insrsid16337081\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (2) (a) }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 Salvage charges}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 
 means the charges recoverable under maritime law by a salvor independently of contract, and does not include the expenses of services in the nat
ure 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. 
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid16337081 {\insrsid16337081 
\par }{\insrsid1400090\charrsid16481663 (b) 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 }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid16337081 
\par }{\b\insrsid1400090\charrsid16337081 66 General average loss 
\par }{\insrsid16337081 
\par }{\insrsid1400090\charrsid16481663 (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 }{\insrsid16337081 
\par }{\insrsid1400090\charrsid16481663 (2) There is a general average act where any extraordinary sacrifice or e
xpenditure is voluntarily and reasonably made or incurred in time of peril for the purpose of preserving the property imperilled in the common adventur}{\insrsid16337081 e.}{\insrsid1400090 
\par }{\insrsid16337081\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (3) Where there is a general average loss, the party on whom it falls is entitled, subject to the con
ditions imposed by maritime law, to a rateable contribution from the other parties interested, and such contribution is called a general average contribution. 
\par }{\insrsid16337081 
\par }{\insrsid1400090\charrsid16481663 (4) Subject to any express provision in the policy, where the assured has incurred a general av
erage 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 righ
t of contribution from the other parties liable to contribute. 
\par }{\insrsid16337081 
\par }{\insrsid1400090\charrsid16481663 (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 it from the insurer. 
\par }{\insrsid16337081 
\par }{\insrsid1400090\charrsid16481663 
(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 }{\insrsid16337081 
\par }{\insrsid1400090\charrsid16481663 (7) Wh
ere ship, freight, and cargo, or any 2 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 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16337081 {\i\insrsid1400090\charrsid16337081 Measure of Indemnity}{\i\insrsid1400090 
\par }{\i\insrsid16337081\charrsid16337081 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\b\insrsid1400090\charrsid16337081 67 Extent o}{\b\insrsid16337081\charrsid16337081 f liability of insurer for loss}{
\b\insrsid1400090\charrsid16337081 
\par }{\insrsid16337081\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (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 insurable value, or in the case of a va
lued policy to the full extent of the value fixed by the policy, is called the measure of indemnity. 
\par }{\insrsid16337081 
\par }{\insrsid1400090\charrsid16481663 (2) Where there is a loss recoverable under the policy, the insurer, or each insurer if there are more than one, is liable for such proportion of the mea
sure 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 
\par }{\b\insrsid1400090\charrsid16337081 68 Total loss 
\par }{\insrsid16337081 
\par }{\insrsid1400090\charrsid16481663 Subject to this Act and to any express provision in the policy, where there is a total loss of subject-matter insured \endash  }{\insrsid1400090 
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid409447 {\insrsid16337081\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (a) If the policy is a valued policy, the measure of indemnity is the sum fixed by the policy; 
\par }{\insrsid16337081 
\par }{\insrsid1400090\charrsid16481663 (b) If the policy is an unvalued policy, the measure of indemnity is the insurable value of the subject-matter insured. 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid1400090\charrsid16481663 
\par }{\b\insrsid1400090\charrsid16337081 69 Partial loss of ship 
\par }{\insrsid16337081 
\par }{\insrsid1400090\charrsid16481663 Where a ship is damaged, but is not totally lost, the measure of indemnity, subject to any express provision in the policy is \endash  
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid16337081 {\insrsid16337081 
\par }{\insrsid1400090\charrsid16481663 (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; 
\par }{\insrsid16337081 
\par }{\insrsid1400090\charrsid16481663 (b) Where the ship has been only p
artially 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 from the unrepaired damage, provided that the aggregate amount shall not exce
ed the cost of repairing the whole damage, computed as above; 
\par }{\insrsid16337081 
\par }{\insrsid1400090\charrsid16481663 (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 reasonable depreciation arising from the 
unrepaired damage, but not exceeding the reasonable cost of repairing }{\insrsid16337081 such damage, computed as above.}{\insrsid1400090\charrsid16481663 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid1400090\charrsid16481663 
\par }{\b\insrsid1400090\charrsid16337081 70 Partial loss of freight 
\par }{\insrsid16337081\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 Subject to any express provision in the policy, where there is a partial loss of freight the measure of indemnity is such pr
oportion 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 whole freight at the risk of the assured under the policy.}{
\insrsid1400090 
\par }{\insrsid11732273\charrsid16481663 
\par }{\b\insrsid1400090\charrsid11732273 71 Partial loss of goods, merchandise 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 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 \endash  
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid3036961 {\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (a) Where part of the goods, merchandise, or other movables insur
ed by a valued policy is totally lost, the measure of indemnity is such proportion of the sum fixed by the policy as the insurable value of the part lost bears to the insurable value of the whole, ascertained as in the case of an unvalued policy; 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (b) Where part of the goods, merchandise, or other movables insured by and unvalued policy is totally lost, the measure of indemnity is the insurable value of the part lost, ascertained as in the case of total loss; 

\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (c) Where the whole or any part of the goo
ds or merchandise insured has been delivered damaged at its destination, 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 differe
nce between the gross sound and damaged values at the place of arrival }{\insrsid11732273 bears to the gross sound value;}{\insrsid1400090 
\par }{\insrsid11732273\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 (d) }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 Gross value}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 
 means the wholesale price or, if there is no such price, the estimated value, with in either case freight, landing charges, and duty pa
id beforehand; 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\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid1400090\charrsid16481663 
\par }{\b\insrsid1400090\charrsid13241843 72 Apportionment of valuation 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (1) Where different species of property are insured under a single valuation, th
e valuation must be apportioned over the different species in proportion to their respective insurable values, as in the case of an unvalued policy. 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (2) The insured value of any part of a species is such proportion 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 }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (3) Where a valuation has to be apportioned, and particulars of the prime cost of each separate species, quality, or descript
ion 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 
\par }{\b\insrsid1400090\charrsid3036961 73 General average contributions and salvage charges 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (1) Subject to any expre
ss provision in the policy, where the assured has paid or is liable for any general average contribution the measure of indemnity is the full amount of such contribution if the subject-matter liable to contribution is insured for its full contributory val
u
e, but if such subject-matter is not insured for its full contributory value, or if only part of 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 w
hich 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 }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (2) Where the insurer is liable for salvage charges, the extent of his liability must be determined on the like principle. 
\par 
\par }{\b\insrsid1400090\charrsid3036961 74 Liabilities to third parties 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 Where the assured has effected an insurance in express terms against any liability to a third party, the measure of indemnity, subject to any
 express provision in the policy, is the amount paid or payable by him to such third party in respect of such liability. 
\par }{\b\insrsid11732273\charrsid3036961 
\par }{\b\insrsid1400090\charrsid3036961 75 General provisions as to measure of indemnity 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (1) Where there has been a loss in respect of any subject-matter not expressly pro
vided for in the foregoing provisions 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 }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (2) Nothing in this Act relating to the measure of
 indemnity shall affect the rules 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 
\par }{\b\insrsid1400090\charrsid3036961 76 Particular average warranties 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (1) Where the subject-
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 policy is apportionable; but if the contract is apport
ionable, the assured may recover for a total loss of any apportionable part. 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (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 charge
s, and for particular charges and other expenses properly incurred under the provisions of the suing and labouring clause in order to avert a loss insured against. 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (3) Unless the policy otherwise provides, where the subject-matter insured is warranted fr
ee 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 }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (4) For 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.}{\insrsid16481663\charrsid16481663  }{
\insrsid1400090\charrsid16481663 Particular charges and the expenses of and incidental to ascertaining and proving the loss must be excluded. 
\par 
\par }{\b\insrsid1400090\charrsid3036961 77 Successive losses 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (1) Unless the policy otherwise provides, and subject to this Act, the insurer is liable for successive losses, even though the total amount of such losses may exceed the sum insured. 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (2) Where under the same policy a 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 }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (3) Nothing in this section shall affect the liability of the insurer under the suing and labouring clause. 
\par 
\par }{\b\insrsid1400090\charrsid3036961 78 Suing and labouring clause 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (1) Where the policy contains a suing a
nd labouring clause, the engagement entered into by it is deemed to be supplementary to the contract of insurance, and the assured may recover from the insurer any expenses properly incurred under the clause, notwithstanding that the insurer may have paid
 for a total loss, or that the subject-matter may have been warranted free from particular average, either wholly or under a certain percentage. 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (2) General average losses and contributions and salvage charges, as defined by this Act, are not recoverable under the suing and labouring clause. 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (3) Expenses incurred for the purpose of averting or diminishing any loss not covered by the policy are not recoverable under the suing and labouring clause. 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (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 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3036961 {\i\insrsid1400090\charrsid3036961 Rights of Insurer on Payment
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid11732273 
\par }{\b\insrsid1400090\charrsid3036961 79 Right of subrogation 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 
(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 becomes entitled to take over the interest of the assured in whatever may remai
n of the subject-matter so paid for, and he is 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 }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (2) Subject to the foregoing provisions, where the insurer
 pays for a partial loss he acquires no title to the subject-matter insured, or such part of it as may remain, but his is 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 
\par }{\b\insrsid1400090\charrsid3036961 80 Right of contribution 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (1) Where the assured is over-insured by double insurance, each insurer is bound, as between himself and the 
other insurers, to contribute ratably to the loss in proportion to the amount for which he is liable under his contract. 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (2) If any insurer pays more than his proportion of the loss, he is entitled to maintain an action for contribution against the other
 insurers, and is entitled to the like remedies as a surety who has paid more than his proportion of the debt. 
\par 
\par }{\b\insrsid1400090\charrsid3036961 81 Effect of under-insurance 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 Where the assured is insured for an amount less than the insurable value, or, in the case of a valued policy, fo
r an amount less than the policy valuation, he is deemed to be his own insurer in respect of the uninsured balance. 
\par }{\insrsid11732273 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3036961 {\i\insrsid1400090\charrsid3036961 Return of Premium
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid11732273 
\par }{\b\insrsid1400090\charrsid3036961 82 Enforcement of return 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 Where the premium or a proportionate part of it is by this Act declared to be returnable \endash  
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid3036961 {\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (a) If already paid, it may be recovered by the assured from the insurer; and 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (b) If unpaid, it may be retained by the assured or his agent. 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid1400090\charrsid16481663 
\par }{\b\insrsid1400090\charrsid3036961 83 Return by agreement 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 
Where the policy contains a stipulation for the return of the premium or a proportionate part of it on the happening of a certain event, and that event happens, the premium or the proportionate parts is returnable to the assured. 
\par }{\insrsid11732273 
\par }{\b\insrsid1400090\charrsid3036961 84 Return for failure of consideration 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (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 returnable to the assured. 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (2) Where the consideration for the p
ayment 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 returnable to the assured. 
\par 
\par (3) In particular \endash  
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid3036961 {\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (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 been attached, the prem
ium is not returnable; 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (b) Where the subject-matter insured or part of it has never been imperilled, the premium or a proportionate part is returnable: Provided that where the subject-matter has been insured }{
\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 lost or not lost}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 , and has arrived in safety a
t the time when the contract is concluded, the premium is not returnable unless at such time the insurer knew of the safe arrival; 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (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; 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (d) Where the assured has a defeasible interest which is terminated during the currency of the risk, the premium is not returnable; 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (e) Where the assured has overinsured under an unvalued policy, a proportionate part of the premium is returnable; 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (f) Subject to the foregoing where the assured has over-insured by double insurance, a proportionate part of several premiums is returnable: Provided that if the policies are effec
ted 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 no premium is returnable in respect of that policy; and when the double insurance is effecte
d knowingly by the assured, no premium is returnable. 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid1400090\charrsid16481663 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3036961 {\i\insrsid1400090\charrsid3036961 Mutual Insurance
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid11732273 
\par }{\b\insrsid1400090\charrsid3036961 85 Modification of Act in case of mutual insurance 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (1) Where 2 or more persons mutually agree to insure each other against marine losses there is said to be a mutual insurance. 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (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 }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (3) The provisions of this Act, in so far as they may be modifi
ed 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 
\par (4) Subject to subsections (2) and (3) this Act applies to a mutual insurance. 
\par }{\insrsid11732273 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3036961 {\i\insrsid1400090\charrsid3036961 Supplemental
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid11732273 
\par }{\b\insrsid1400090\charrsid3036961 86 Ratifications by assured 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 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 }{\insrsid11732273 
\par }{\b\insrsid1400090\charrsid3036961 87 Implied obligation varied by agreement or usage 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (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 express agreement, or by usage, if the usage be 
such as to bind both parties to the contract. 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (2) The provisions of this section extend to any right, duty, or liability declared by this Act which may be lawfully modified by agreement. 
\par 
\par }{\b\insrsid1400090\charrsid3036961 88 Reasonable time, a question of fact 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 Where by this Act any reference is made to reasonable time, reasonable premium, or reasonable diligence, the question what is reasonable is a question of fact. 
\par }{\insrsid11732273 
\par }{\b\insrsid1400090\charrsid3036961 89 Application of common law 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 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 of marine insurance. 
\par }{\insrsid11732273 
\par }{\b\insrsid1400090\charrsid3036961 90 [Repealed 3/11/1960 (NZ)] 
\par }\pard \qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8788540 {\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 \endash \endash \endash \endash \endash \endash \endash \endash \endash \endash \endash \endash \endash \endash \endash \endash \endash \endash \endash \endash 
\par }{\insrsid11732273 
\par }{\b\insrsid1400090\charrsid8788540 SCHEDULES
\par }{\b\insrsid11732273\charrsid8788540 
\par }{\insrsid1400090\charrsid16481663 SCHEDULE 1 [Spent]
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 \endash \endash \emdash \endash \endash \endash \endash \endash \endash \endash \endash \endash \endash \endash \endash 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 SCHEDULE 2 Section 32
\par }{\insrsid11732273 
\par }{\b\insrsid1400090\charrsid8788540 Rules for the Construction of Policies
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 The following are the rules referred to by this Act for the construction of a policy}{\insrsid16481663\charrsid16481663  }{\insrsid1400090\charrsid16481663 where the context does not otherwise require:}{\insrsid11732273 

\par 
\par }{\insrsid1400090\charrsid16481663 1 Where the subject-matter is insured }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 lost or not lost}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 
, 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.}{\insrsid11732273 
\par 
\par }{\insrsid1400090\charrsid16481663 2 Where the subject-matter is insured }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 from}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 
 a particular place, the risk does not attach until the ship starts on the voyage insured.}{\insrsid11732273 
\par 
\par }{\insrsid1400090\charrsid16481663 3 (a) Where a ship is insured }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 at and from}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 
 a particular place, and she is at that 
\par place in goods safety when the contract is concluded, the risk attaches immediately. 
\par }\pard \ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8788540 {\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (b) If she is not at that place when the contract is concluded the risk a
ttaches 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 }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (c) Where chartered freight is insured }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 at and from}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663  a particular p
lace, and the ship is at that place in good safety when the contract is concluded, the risk attaches immediately.}{\insrsid16481663\charrsid16481663  }{\insrsid1400090\charrsid16481663 
If she is not there when the contract is concluded, the risk attaches as soon as she arrives there in good safety. 
\par }{\insrsid11732273 
\par }{\insrsid1400090\charrsid16481663 (d) Where freight other than chartered freight is payable without special conditions, and is insured }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 at and from}{\insrsid16481663\charrsid16481663 
"}{\insrsid1400090\charrsid16481663  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 
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16481663 {\insrsid1400090\charrsid16481663 4 Where goods or other movables are insured }{\insrsid16481663\charrsid16481663 "}{
\insrsid1400090\charrsid16481663 from the loading thereof}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 , the risk does not attach unt
il such goods or movables are actually on board, and the insurer is not liable for them while in tran}{\insrsid11732273 sit from the shore to the ship.
\par 
\par }{\insrsid1400090\charrsid16481663 5 Where the risk on goods or other movables continues until they are }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 safely landed}{\insrsid16481663\charrsid16481663 "}{
\insrsid1400090\charrsid16481663 , they must be landed in the customary manner and within a reasonable time after arrival at the port of discharge, and if they are}{\insrsid11732273  not so landed the risk ceases.
\par 
\par }{\insrsid1400090\charrsid16481663 6 In the absence of any further licence or usage, the liberty to touch and stay }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 at any port or place whatsoever}{\insrsid16481663\charrsid16481663 "
}{\insrsid1400090\charrsid16481663  does not authorise the ship to depart from the course of her voyage from the port of depart}{\insrsid11732273 ure to the port of destination.
\par 
\par }{\insrsid1400090\charrsid16481663 7 The term }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 perils of the seas}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 
 refers only to fortuitous accidents or causalities of the seas. It does not include the ordinary action of the winds and waves.}{\insrsid11732273 
\par 
\par }{\insrsid1400090\charrsid16481663 8 The term }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 pirates}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 
 includes passengers who mutiny and rioters who attack the ship form the shore.}{\insrsid11732273 
\par 
\par }{\insrsid1400090\charrsid16481663 9 The term }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 thieves}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 
 does not cover clandestine theft of theft committed by any one of the ship\rquote s compa}{\insrsid11732273 ny, whether crew or passengers.
\par 
\par }{\insrsid1400090\charrsid16481663 10 The term }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 arrest, etc. of kings, princes, and people}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 
 refers to political or executive acts, and does not include a loss caused by riot o}{\insrsid11732273 r by ordinary judicial process.
\par 
\par }{\insrsid1400090\charrsid16481663 11 The term }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 barratry}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 
 includes every wrongful act wilfully committed by the master or crew to the prejudice of the owner, or as the case may be, the charterer.}{\insrsid11732273 
\par 
\par }{\insrsid1400090\charrsid16481663 12 The term }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 all other perils}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 
 includes only perils similar in kind to the perils specif}{\insrsid11732273 ically mentioned in the policy.}{\insrsid1400090 
\par }{\insrsid11732273\charrsid16481663 
\par }{\insrsid1400090\charrsid16481663 13 The term }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 average unless general}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663  means a partial los
s of the subject-matter insured other than a general average loss, and does not include }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 particular charges}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 . }{
\insrsid11732273 
\par 
\par }{\insrsid1400090\charrsid16481663 14 When a policy contains the words }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 warranted free from particular average unless the ship is stranded, sunk or burnt}{
\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 , or any similar expressi
on, and any such accident has happened to the ship, the insurer is liable for the expected losses, although the loss is not attributable to such accident, provided that when the accident occurs the risk has attached and (if the policy is on goods) the dam
aged goods are on board.}{\insrsid11732273 
\par 
\par }{\insrsid1400090\charrsid16481663 15 The term }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 ship}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 
 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 fittings requisite for the trade; and also, in the ca
se of a steamship, the machinery, boilers, and coals and engine stores, if owned by the assured.}{\insrsid11732273 
\par 
\par }{\insrsid1400090\charrsid16481663 16 The term }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 freight}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 
 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.}{\insrsid11732273 
\par 
\par }{\insrsid1400090\charrsid16481663 17 The term }{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 goods}{\insrsid16481663\charrsid16481663 "}{\insrsid1400090\charrsid16481663 
 means goods in the nature of merchandise, and does not include personal effects or provisions an}{\insrsid11732273 d stores, for the use on board.
\par 
\par }{\insrsid1400090\charrsid16481663 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. }{\insrsid11087364\charrsid16481663 
\par }}