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{\pntxtb (}{\pntxta )}}\pard\plain \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15161180 \fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid12779749 LAWS OF }{
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\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid3482282 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid3482282 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid3482282 MARINE INSURANCE ACT 1908
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\par Title}{\fs24\lang2057\langfe1033\langnp2057\insrsid14175852 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 1. Short Title, etc.
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\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 3. }{\fs24\lang2057\langfe1033\langnp2057\insrsid3482282 Marine insurance defined. Mixed sea and land risks}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 

\par 4. Marine}{\fs24\lang2057\langfe1033\langnp2057\insrsid3482282  adventure and maritime perils defined}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
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 contracts}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
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\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Disclosure by assured
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\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 D}{\fs24\lang2057\langfe1033\langnp2057\insrsid3482282 isclosure by agent effecting in}{\fs24\lang2057\langfe1033\langnp2057\insrsid6368832 surance}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par 20. Representations pending negotiation}{\fs24\lang2057\langfe1033\langnp2057\insrsid15684280  of contract}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
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\fs24\lang2057\langfe1033\langnp2057\insrsid6368832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 concluded
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\fs24\lang2057\langfe1033\langnp2057\insrsid6368832  b}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 e}{\fs24\lang2057\langfe1033\langnp2057\insrsid6368832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
embodied}{\fs24\lang2057\langfe1033\langnp2057\insrsid6368832  in policy}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
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\par 25. Designation of subject-matter
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\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 to}{\fs24\lang2057\langfe1033\langnp2057\insrsid6368832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 execute}{
\fs24\lang2057\langfe1033\langnp2057\insrsid6368832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 and}{\fs24\lang2057\langfe1033\langnp2057\insrsid6368832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
stamp}{\fs24\lang2057\langfe1033\langnp2057\insrsid6368832  policy}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par 27. Voyage and time policies
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\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 29. Unvalued policy
\par 30. Floating policy by ship or ships
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\par 32. Construction of terms in policy
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid6368832 
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\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 33. Double insurance
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid6368832 {\fs24\lang2057\langfe1033\langnp2057\insrsid6368832 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid6368832 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid6368832 Warranties}{\i\fs24\lang2057\langfe1033\langnp2057\insrsid15161180 , etc.}{
\i\fs24\lang2057\langfe1033\langnp2057\insrsid6368832\charrsid6368832 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid6368832 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 34. Nature of warranty
\par 35. When breach of warranty excused}{\fs24\lang2057\langfe1033\langnp2057\insrsid15161180 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 36. Express warranties
\par 37. Warranty of neutrality}{\fs24\lang2057\langfe1033\langnp2057\insrsid15161180 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 38. No implied warranty}{\fs24\lang2057\langfe1033\langnp2057\insrsid15161180  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 of nationality
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15161180 39. Warranty of good safety
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 40. Warranty of seaworthiness of ship
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid6050578 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 41. No }{\fs24\lang2057\langfe1033\langnp2057\insrsid6050578 
implied warranty that goods are seaworthy}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 42. Warranty of legality
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid6050578 {\fs24\lang2057\langfe1033\langnp2057\insrsid6050578 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid6050578 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid6050578 The Voyage}{\i\fs24\lang2057\langfe1033\langnp2057\insrsid6050578\charrsid6050578 

\par }\pard \ql \fi-432\li432\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin432\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid6050578 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 43. I}{\fs24\lang2057\langfe1033\langnp2057\insrsid14172162 mplied condition as to commencem}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 ent of risk
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 44. Alteration of port}{\fs24\lang2057\langfe1033\langnp2057\insrsid14172162 
 of departure
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 45. Sa}{\fs24\lang2057\langfe1033\langnp2057\insrsid14172162 iling for different destination
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 46. Change of voyage
\par }\pard \ql \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid14172162 47. Deviation
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid14172162 {\fs24\lang2057\langfe1033\langnp2057\insrsid14172162 48. Several ports of discharge
\par 49. Delay in voyage
\par 50. Excuses for deviation or delay
\par 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid14172162 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid14172162 Assignment of Policy
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid14172162 {\fs24\lang2057\langfe1033\langnp2057\insrsid14172162\charrsid14172162 
\par }\pard \ql \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid14172162 51. When and how policy is assignable
\par 52. Assured who has no interest cannot assign
\par 
\par }\pard \qc \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid14172162 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid14172162 The Premium}{\i\fs24\lang2057\langfe1033\langnp2057\insrsid14172162\charrsid14172162 

\par }\pard \ql \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid14172162 
\par 53. Policy effected through broker
\par 54. Effect of receipt on policy
\par 
\par }\pard \qc \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid4204124 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid4204124 Loss and Abandonment}{\i\fs24\lang2057\langfe1033\langnp2057\insrsid14172162 
\par }\pard \ql \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid4204124 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid4204124 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4204124 55. Included and excluded losses
\par 56. }{\fs24\lang2057\langfe1033\langnp2057\insrsid13312219 Partial and total loss}{\fs24\lang2057\langfe1033\langnp2057\insrsid4204124 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13312219 57. Actual total loss}{\fs24\lang2057\langfe1033\langnp2057\insrsid13312219\charrsid4204124 
\par }\pard \ql \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid13312219 58. Missing ship}{\fs24\lang2057\langfe1033\langnp2057\insrsid14172162 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13312219 59. Effect of transhipment, etc.
\par 60. Constructive total loss defined
\par 61. Effect of constructive total loss
\par 62. Notice of abandonment
\par 63. Effect of abandonment
\par 
\par }\pard \qc \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid13312219 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid13312219 Partial Losses (Including Salvage and General Average and Particular Charges)}{
\i\fs24\lang2057\langfe1033\langnp2057\insrsid13312219\charrsid13312219 
\par }\pard \ql \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid13312219 
\par 64. Particular average loss
\par 65. Salvage charges
\par 66. General average loss
\par 
\par }\pard \qc \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid13312219 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid13312219 Measure of Indemnity}{
\i\fs24\lang2057\langfe1033\langnp2057\insrsid13312219\charrsid13312219 
\par }\pard \ql \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid13312219 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15161703 67. Extent of liability of insurer for loss}{\fs24\lang2057\langfe1033\langnp2057\insrsid13312219 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15161703 68. Total loss
\par 69. Partial loss of ship
\par 70. Partial loss of freight
\par 71. Partial l}{\fs24\lang2057\langfe1033\langnp2057\insrsid11761019 oss of goods, merchandise, etc.}{\fs24\lang2057\langfe1033\langnp2057\insrsid15161703 
\par 72. Apportionment of valuation
\par 73. General average contributions and salvage charges
\par 74. Liabilities to third parties
\par 75. General provisions as to measure of indemnity
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15888653 76. Particular average warranties}{\fs24\lang2057\langfe1033\langnp2057\insrsid15161703 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15888653 77. Successive losses
\par 78. Suing and labouring clause
\par 
\par }\pard \qc \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid15888653 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid15888653 Rights to Insurer on Payment}{
\i\fs24\lang2057\langfe1033\langnp2057\insrsid15888653\charrsid15888653 
\par }\pard \ql \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid15888653 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid154080 79. Right of subrogation}{\fs24\lang2057\langfe1033\langnp2057\insrsid13312219 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid154080 80. Right of contribution
\par 81. Effect of under-insurance
\par }\pard \qc \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid154080 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 Return of Premium}{\i\fs24\lang2057\langfe1033\langnp2057\insrsid154080\charrsid154080 

\par }\pard \ql \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid154080 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 82. Enforcement of return}{\fs24\lang2057\langfe1033\langnp2057\insrsid13312219 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 83. Return by agreement
\par 84. Return for failure of consideration
\par 
\par }\pard \qc \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid3635858 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 Mutual Insurance}{\i\fs24\lang2057\langfe1033\langnp2057\insrsid3635858\charrsid3635858 

\par }\pard \ql \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 
\par 85. Modification of Act in case of mutual insurance
\par }\pard \ql \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid3635858 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 
\par }\pard \qc \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid3635858 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 Supplemental}{\i\fs24\lang2057\langfe1033\langnp2057\insrsid3635858\charrsid3635858 
\par }\pard \ql \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 
\par 86. Ratification by assured
\par 87. Implied obligations varied by agreement or usage
\par 88. Reasonable time, etc., a question of fact
\par 89. Application of rules of common law
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid10433035 90. }{\fs24\lang2057\langfe1033\langnp2057\insrsid4003718 Slip as evidence}{\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 
\par }\pard \ql \fi-2304\li3024\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin3024\itap0\pararsid3635858 {\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 Schedules
\par }\pard \ql \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 
\par }\pard \qc \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid3635858 {\fs24\lang2057\langfe1033\langnp2057\insrsid11354771 ----------------}{\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 
\par }\pard \ql \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid6898807 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid6898807 Act 112 of 1908 (NZ)}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid6898807\charrsid6898807 
\par }\pard \ql \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid6898807 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid3635858 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 An Act to consolidate certain enactments of the General Assembly relating to marine insurance
\par 
\par }\pard \qr \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid3635858 {\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 [}{\i\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 {\*\xmlopen\xmlns1{\factoidname date}
{\xmlattr\xmlattrns0{\xmlattrname Month}{\xmlattrvalue 3}}{\xmlattr\xmlattrns0{\xmlattrname Day}{\xmlattrvalue 11}}{\xmlattr\xmlattrns0{\xmlattrname Year}{\xmlattrvalue 1960}}}4 August 1908}{
\i\fs24\lang2057\langfe1033\langnp2057\insrsid3635858\charrsid3635858 {\*\xmlclose}
\par }\pard \ql \fi-2304\li2304\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin2304\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid8657103 1. Short Title, etc.}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid1458632\charrsid8657103  }{\fs24\lang2057\langfe1033\langnp2057\insrsid3635858\charrsid8657103 - (}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid8657103 1) The Short Title of this Act is the Marine Insurance Act 1908.}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid3635858 {\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) This Act is a consolidation of the enactments mentioned in the First Schedule hereto.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (3) All matters and proceedings commenced under those enactments, and pending or in progress on the
 coming into operation of this Act, may be continued, completed, and enforced under this Act.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid3635858 2. Interpretation}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid1458632  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid3635858  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 In this Act, if not inconsistent with the context,}{\fs24\lang2057\langfe1033\langnp2057\insrsid16515996  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid14877709 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 "Action" in}{\fs24\lang2057\langfe1033\langnp2057\insrsid751813 
cludes counterclaim and set-off;}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \fi-432\li432\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin432\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid14877709 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 "Freight" includes the profit derivable by a shipowner fro}{
\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 m the employment of his ship to }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 carry his own goods or movables, as well as freight payable by a third party, but }{
\fs24\lang2057\langfe1033\langnp2057\insrsid751813 does not include passage money;}{\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid3635858 {\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid14877709 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 "Movabl}{\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 e}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 s" means any movable tangible property other than the ship, and includes money, valuable }{\fs24\lang2057\langfe1033\langnp2057\insrsid751813 securities, and other documents;}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid3635858 {\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid14877709 {\fs24\lang2057\langfe1033\langnp2057\insrsid24803 "Policy" means a marine policy.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid24803 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 91}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid3635858 {\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid3635858 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid3635858 Marine Insurance
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid3635858 {\fs24\lang2057\langfe1033\langnp2057\insrsid3635858 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid3635858 3. Marine insurance defined.}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid3635858 
Mixed sea and land risks}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid1458632  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid1458632  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) A contract of marine insurance is a contract whereby the insurer undertakes to indemnify the assured, in manner and to the extent thereby agreed, against marine losses}{
\fs24\lang2057\langfe1033\langnp2057\insrsid16515996  -}{\fs24\lang2057\langfe1033\langnp2057\insrsid14877709  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 that is to say, the losses incident to marine adventure.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid7612891 {\fs24\lang2057\langfe1033\langnp2057\insrsid7612891 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) A contract of
 marine insurance may, by its express terms or by usage of trade, be extended so as to protect the assured against losses on inland waters or on any land risk which may be incidental to any sea voyage.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid7612891 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (3) Where a ship in course of building, or the launch of a ship, or any adventure analogous to a marine adventure, is covered by a policy in the f}{
\fs24\lang2057\langfe1033\langnp2057\insrsid751813 orm of a marine policy, the pro}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
visions of this Act, in so far as applicable, shall apply thereto; but, except as provided by this section, nothing in this Act shal
l alter or affect any rule of law applicable to any contract of insurance other than a contract of marine insurance as defined by this Act.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid7612891 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, ss. 2, 3
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid7612891 {\fs24\lang2057\langfe1033\langnp2057\insrsid7612891 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid7612891 4. Marine adventure and maritime perils defined}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid15364212  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid1458632  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) Subject to the provisions of this Act, every lawful marine adventure may be the subject of a contract of marine insurance.

\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid7612891 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) In particular there is a marine adventure where}{\fs24\lang2057\langfe1033\langnp2057\insrsid16515996  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -

\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15364212 {\fs24\lang2057\langfe1033\langnp2057\insrsid15364212 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid7612891 {\fs24\lang2057\langfe1033\langnp2057\insrsid7612891 (}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
a) Any ship, goods, or other movables (such property being hereinafter referred to as "insurable property")}{\fs24\lang2057\langfe1033\langnp2057\insrsid726230  are exposed to maritime perils;}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid7612891 {\fs24\lang2057\langfe1033\langnp2057\insrsid7612891\charrsid13072698 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid7612891 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(b) The earning or acquisition of any freight, passage money, commission, profit, or other pecuniary benefit, or the security for any advances, loan, or disbursements, is endangered by the exposure of insura}{
\fs24\lang2057\langfe1033\langnp2057\insrsid726230 ble property to maritime perils;}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid7612891 {\fs24\lang2057\langfe1033\langnp2057\insrsid7612891\charrsid13072698 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid7612891 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(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\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid7612891 {\fs24\lang2057\langfe1033\langnp2057\insrsid7612891 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (3) "Maritime perils" means the perils consequent on or incidental to th
e navigation of the sea-that is to say, perils of the seas, fire, war perils, pirates, rovers, thieves, captures, seizures, restraints, and detainments of princes and peoples, jettisons, barratry, and any other perils, either of the like kind or designate
d by the policy.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid24803 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid24803 Insurable Interest
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid24803 5. Avoidance of wagering or gaming contracts}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid2505950  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid1458632  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) Every contract of marine insurance by way of gaming or wagering is void.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid24803 {\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) A contract of marine insurance is deemed to be a gaming or wagering contract}{\fs24\lang2057\langfe1033\langnp2057\insrsid6568109  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid24803 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(a) Where the assured has not an insurable interest as defined by this Act, and the contract is entered into with no expectation of acquiring such an interest; or
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid24803 {\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid24803 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(b) Where the policy is made "interest or no interest", or "without further proof of interest than the policy itself", or "without benefit of salvage to the insurer", or subject to any other like term:
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid24803 {\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid24803 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Provided that where there is no possibility of salvag
e a policy may be effected without benefit of salvage to the insurer.
\par Cf. 1907, No. 24, s. 5
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid24803 6. Insurable interest defined}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid5919119  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid1458632  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) Subject to the provisions of this Act, every person has an insurable interest who is interested in a marine adventure.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (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 or due arrival of insurable pr
operty, or may be prejudiced by its loss, or by damage thereto, or by the detention thereof, or may incur liability in respect thereof.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid5919119 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 6
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid24803 7. When interest must attach}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid5919119  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid1458632  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) The assured must be interested in the subject-matter insured a
t the time of the loss, though he need not be interested when the insurance is effected:
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Provided that where the subject-matter is insured "lost or not lost", the assured may recover although he may not have acquired his interest until after the loss, unl
ess at the time of effecting the contract of insurance the assured was aware of the loss and the insurer was not.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (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 }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid5919119 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 7
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid24803 8. Defeasible}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid24803\charrsid24803  or contingent interest}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid5919119  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid24803 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid1458632  }{\fs24\lang2057\langfe1033\langnp2057\insrsid24803 (1) A }{\fs24\lang2057\langfe1033\langnp2057\insrsid5919119 defeasible }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 interest is insurable, as also is a contingent interest.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) In particular, where }{\fs24\lang2057\langfe1033\langnp2057\insrsid5919119 the buyer of goods has insured them}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  he has an insurable interest, notwithstanding that he 
might at his election have rejected the goods, or have treated them as at the seller's risk, by reason of the latter's delay in making delivery or otherwise.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid5919119 {\fs24\lang2057\langfe1033\langnp2057\insrsid16734763 Cf. 1907, No. 24, s. 8}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid24803 {\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid24803 9. Partial interest}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  }{\fs24\lang2057\langfe1033\langnp2057\insrsid24803 - }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 A partial interest of any nature is insurable.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid15082020 {\fs24\lang2057\langfe1033\langnp2057\insrsid15082020 Cf. }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 1907, No. 24, s. 9
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid24803\charrsid24803 10 Reinsurance}{\fs24\lang2057\langfe1033\langnp2057\insrsid24803  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid24803  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) }{\fs24\lang2057\langfe1033\langnp2057\insrsid24803 The insurer under a contract of }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 marine insurance has an insurabl}{\fs24\lang2057\langfe1033\langnp2057\insrsid24803 e interest in his risk, and may }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 reinsure in respect of it.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid24803 {\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) Unless the policy otherwise provides, the original assured has no right or interest in respect of such reinsurance.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid15082020 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s.10
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid24803 {\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid24803 11. Bottomry}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12256360  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid1458632  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 The }{\fs24\lang2057\langfe1033\langnp2057\insrsid12256360 lender of money on bottomry or res}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 pondentia has an insurable interest in respect of the loan.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12256360 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 11
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid24803 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid24803 12. Master's and seamen's wages}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  }{\fs24\lang2057\langfe1033\langnp2057\insrsid24803 - }{
\fs24\lang2057\langfe1033\langnp2057\insrsid9844151 The master or any}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  }{\fs24\lang2057\langfe1033\langnp2057\insrsid9844151 m}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 ember of the crew of a ship has an insurable interest in}{\fs24\lang2057\langfe1033\langnp2057\insrsid7364203  respect}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  of his wages.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid16206257 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 12
\par }\pard \ql \li0\ri0\widctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid24803 {\insrsid13072698\charrsid24803 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid24803 13. Advance freight}{\fs24\lang2057\langfe1033\langnp2057\insrsid24803  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid14877709  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 In the case of advance freight, the}{
\fs24\lang2057\langfe1033\langnp2057\insrsid8928527  per}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 son advancing the freight has an insurable interest in so }{\fs24\lang2057\langfe1033\langnp2057\insrsid929767 far }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 as such freight is not repayable in case of loss.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid929767 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s.13
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid24803 {\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid24803 14. Charges of insurance}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid929767  }{\fs24\lang2057\langfe1033\langnp2057\insrsid1852982 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid1458632  }{\fs24\lang2057\langfe1033\langnp2057\insrsid1852982 The assured has an insurable }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
interest in the charges of any insurance which he may effect.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid929767 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s.14
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid24803\charrsid24803 1}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid24803 5. Quantum of interest}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid1852982  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid1852982 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid1458632  }{\fs24\lang2057\langfe1033\langnp2057\insrsid1852982 (1) Where the subject-matter insured }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 is mortgaged, the mortga}{\fs24\lang2057\langfe1033\langnp2057\insrsid2892591 gor has an insurable interest in}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
 the full value thereof, and the mortgagee has an insurable interest in respect of any sum }{\fs24\lang2057\langfe1033\langnp2057\insrsid2892591 due or to become due under the m}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
ortgage.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid24803 {\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(2) A mortgagee, consignee, or other person having an interest in the subject-matter insured may insure on behalf and for the benefit of other persons interested as well as for his own benefit.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (3) The owner of insurable property has an insurable interest
 in respect of the full value thereof, notwithstanding that some third person may have agreed, or be liable, to indemnify him in case of loss.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid16256774 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s.15
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid24803 {\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid1458632 16. Assignment of interest}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid1458632 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid1458632 (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 }{\fs24\lang2057\langfe1033\langnp2057\insrsid24803\charrsid8864240 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid8864240 (2) The provisions of this section do not affect a transmission of interest by operation of law.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid8864240 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid8864240 Cf. 1907}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
, No. 24, s. 16
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid24803 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid24803 Insurable Value
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid24803 {\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid24803 17. Measure of insurable value}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Subject to any express provision or valuation in the policy, the insurable value of
 the subject-matter insured must be ascertained as follows:
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid14425029 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid14425029 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(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}{\fs24\lang2057\langfe1033\langnp2057\insrsid24803  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 crew, money advanced for 
seamen's wages, and other disbursements (if any) incurred to make the ship fit for the voyage or adventure contemplated by the policy, plus the charges of insurance upon the whole; and, in the case of a steamship, 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 fi}{\fs24\lang2057\langfe1033\langnp2057\insrsid3953829 ttings requisite for that trade;}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid24803 {\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid14425029 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(b) In insurance on freight, whether paid in advance or otherwise, the insurable value is the gross amount of the freight at the risk of the assured, plus the charges of insurance}{\fs24\lang2057\langfe1033\langnp2057\insrsid3953829 ;}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \fi-576\li576\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin576\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid14425029 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (c) In insurance on goods or merchandise the insurable value is}{
\fs24\lang2057\langfe1033\langnp2057\insrsid24803  the prime cost of the property }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 insured, plus the expenses of and incidental to shipping and the charges }{
\fs24\lang2057\langfe1033\langnp2057\insrsid12063973 of insurance upon the whole;}{\fs24\lang2057\langfe1033\langnp2057\insrsid14425029 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid14425029 {\fs24\lang2057\langfe1033\langnp2057\insrsid14425029 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid14425029 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (d) In insurance on any other subject-matter the insurable}{
\fs24\lang2057\langfe1033\langnp2057\insrsid24803  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 value is the amount at }{\fs24\lang2057\langfe1033\langnp2057\insrsid24803 the risk of the assured when}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  the policy attaches, plus the charges of insurance.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid8864240 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 17
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid14425029 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid14425029 Disclosure and Representations}{
\i\fs24\lang2057\langfe1033\langnp2057\insrsid24803\charrsid14425029 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid24803 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid24803\charrsid14425029 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid14425029 18. Disclosure by assured}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
- (1) Subject to the provisions of this section, the assured must disclose to the insurer, before the contract is concluded, every material circumstance known to the assured, and the assu}{\fs24\lang2057\langfe1033\langnp2057\insrsid10554983 
red is deemed to know every cir}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 cumstance which, in the ordinary }{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773 course of business, ought to be}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  known by him. If the}{\fs24\lang2057\langfe1033\langnp2057\insrsid10554983  assured fails to make such dis}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
closure, the insurer may avoid the contract.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid24803 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (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 }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid14425029 {\fs24\lang2057\langfe1033\langnp2057\insrsid14425029 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (3) In the absence of inquiry the following circumstances need not be disclosed, namely:
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid14425029 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (a) Any circums}{\fs24\lang2057\langfe1033\langnp2057\insrsid12063973 
tance which diminishes the risk;}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid14425029 {\fs24\lang2057\langfe1033\langnp2057\insrsid14425029 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(b) Any circumstance known or presumed to be known to the insurer. The insurer is presumed to know matters of common notoriety or knowledg}{\fs24\lang2057\langfe1033\langnp2057\insrsid5857086 e, and matters which an insurer}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  in the ordinary course of his business, as such, ought to know}{\fs24\lang2057\langfe1033\langnp2057\insrsid12063973 ;}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid14425029 {\fs24\lang2057\langfe1033\langnp2057\insrsid14425029 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (c) Any circumstance as to which infor}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12063973 mation is waived by the insurer;}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid14425029 {\fs24\lang2057\langfe1033\langnp2057\insrsid14425029 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(d) Any circumstance which it is superfluous to disclose by reason of any express or implied warranty.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid14425029 {\fs24\lang2057\langfe1033\langnp2057\insrsid14425029 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (4) Whether any particular circumstance which is not disclosed is material or not is i}{\fs24\lang2057\langfe1033\langnp2057\insrsid12063973 n each case a question of fact.}{
\fs24\lang2057\langfe1033\langnp2057\insrsid5857086 
\par 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (5) The term "circumstance" includes any communication made to or information received by the assured.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid14877709 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 18
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid14425029 {\fs24\lang2057\langfe1033\langnp2057\insrsid14425029 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid14425029 19. Disclosure by agent effecting insurance}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Subject to the provis
ions of the last preceding section as to circumstances which need not be disclosed, where an insurance is effected for the assured by an agent, the agent must disclose to the insurer}{\fs24\lang2057\langfe1033\langnp2057\insrsid14361260  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid14425029 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid14315815 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (a) Every material circumstance known to himself; and an agent to insure}{
\fs24\lang2057\langfe1033\langnp2057\insrsid15892327  is deemed to know every circum}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 stance which in the ordinary course of business ought to be known by h}{
\fs24\lang2057\langfe1033\langnp2057\insrsid7946212 im or to have been communicated to him;}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  and
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid14425029 {\fs24\lang2057\langfe1033\langnp2057\insrsid14425029 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid14315815 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (b) Every material circumstance which the assured is bound to disclose
, unless it comes to his knowledge too late to communicate it to the agent.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid14877709 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 19
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid14315815 {\fs24\lang2057\langfe1033\langnp2057\insrsid14315815 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid14315815 20. Representations pending negotiation of contract}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
-}{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) Every material representation made by the assured or his agent to the insurer duri}{
\fs24\lang2057\langfe1033\langnp2057\insrsid9848604 ng the negotiations for the con}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
tract, and before the contract is concluded, must be true. If it is untrue, the insurer may avoid the contract.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid14315815 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (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 }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (3) A representation may be either a representation as to a matter of fact or as to a matter of expectation or belief.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (4) A representation }{\field\fldedit{\*\fldinst {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  HYPERLINK http://as.to }{
\fs24\lang2057\langfe1033\langnp2057\insrsid1773137\charrsid13072698 {\*\datafield 00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b1c00000068007400740070003a002f002f00610073002e0074006f002f00000000000002000000000000000000
}}}{\fldrslt {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 as to}}}\sectd \linex0\sectdefaultcl\sftnbj {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  a matter of fact is true if it is substantially cor
rect-that is to say, if the difference between what is represented and what is actually correct would not be considere}{\fs24\lang2057\langfe1033\langnp2057\insrsid13707505 d material by a prudent insurer.}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (5) A representation as to a matter of expectation or belief}{
\fs24\lang2057\langfe1033\langnp2057\insrsid15687506  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 is true if it is made in good faith.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (6) A representation may be withdrawn or corrected before the contract is concluded.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (7) Whether a particular representation is material or not is in each case a question of fact.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 20
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid15687506 21. When contract is deemed to be concluded}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 A contract of marine insurance is deem}{\fs24\lang2057\langfe1033\langnp2057\insrsid9848604 ed to be concluded when the pro}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
posal 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 }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 21
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15687506 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid15687506 The Policy}{\i\fs24\lang2057\langfe1033\langnp2057\insrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15687506 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid15687506\charrsid15687506 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid9848604 22. Contract mu}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid15687506 st be embodied in policy}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid9241007 (1) No action shall be brought on}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  a contract of marine insurance unless it is embodied in a marine policy in accordance with this Act.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) The policy may be executed and issued either at the time when the contract is concluded or afterwards.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid9241007 Cf. 1907,}{\fs24\lang2057\langfe1033\langnp2057\insrsid13707505  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid9241007 No}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 . 24, s. 22
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid12922773 23.}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid12922773 What policy must specify}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
A marine policy must}{\fs24\lang2057\langfe1033\langnp2057\insrsid6295250  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 specify}{\fs24\lang2057\langfe1033\langnp2057\insrsid14361260  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12922773 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(a) The name of the assured, or of some person who effects the insurance on his behalf}{\fs24\lang2057\langfe1033\langnp2057\insrsid11496476 ;}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12922773 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (b) The subject-matter insure}{\fs24\lang2057\langfe1033\langnp2057\insrsid11496476 
d and the risk insured against;}{\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12922773 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (c) The voyage or period of time, or both, as the case m}{
\fs24\lang2057\langfe1033\langnp2057\insrsid11496476 ay be, covered by the insurance;}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12922773 {\fs24\lang2057\langfe1033\langnp2057\insrsid11496476 (d) The sum or sums insured;}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 

\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12922773 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (e) The name or names of the insurers.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 23
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773\charrsid12922773 24. Signature of insurer}{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  - }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(1) A marine policy must be signed by or on behalf of the insurer; provided that in the case of a corporation the corporate seal may be sufficient, but nothing in this section shall be}{\fs24\lang2057\langfe1033\langnp2057\insrsid9855502 
 construed as requiring the sub}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 scription of a corporation to be under seal.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) Where a policy is subscribed by or on behalf of two or more insurers, each subscription, unless the contrary is expressed, constitutes a distinct contract with the assured.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 24
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid15687506 25. Designation of subject-matter}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) The subject-matter insured must be designated in a marine policy with reasonable certainty.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) The nature and extent of the interest of the assured in the subject-matter insured need }{\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 not be specified in the policy.

\par 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (3) Where the policy designates the subject-matter insured in general terms, it shall be construed to apply to the interest intended by the assured to be covered.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (4) In the application of this section regard shall be had to any usage regulating the designation of the subject-matter insured.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 25
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid15687506 26. Failure to execute and stamp policy}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid9855502 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid9855502 (}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 1) If any }{\fs24\lang2057\langfe1033\langnp2057\insrsid4401351 p}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 erson, 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 thirty days after receiving or taking credit for such
 premium or consideration duly e}{\fs24\lang2057\langfe1033\langnp2057\insrsid14449042 xecute or}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
 procure to be duly executed, a policy of such insurance, he shall be liable to a fine of one hundred pounds.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) If any person, whether as an insurer or as the agent of an insurer, pays any sum of money}{\fs24\lang2057\langfe1033\langnp2057\insrsid4260733  upon any loss under a contract}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  of marine insurance which is n}{\fs24\lang2057\langfe1033\langnp2057\insrsid14699426 ot expressed in a duly executed}{\fs24\lang2057\langfe1033\langnp2057\insrsid9855502  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 policy, or if he in}{\fs24\lang2057\langfe1033\langnp2057\insrsid9855502  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
any way settles any claim made in respect of such a contract, he shall be liable to a fine of one hundred pounds.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15142007 (3) This section does not}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  apply to contracts of reinsurance of ris}{\fs24\lang2057\langfe1033\langnp2057\insrsid15142007 
ks in respect where}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 of p}{\fs24\lang2057\langfe1033\langnp2057\insrsid15142007 olicies have been duly executed.}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 

\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (4) This section applies to the agent of an insurer,}{\fs24\lang2057\langfe1033\langnp2057\insrsid1204504  whether such insurer resides or}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  carries on business in {\*\xmlopen\xmlns1{\factoidname date}{\xmlattr\xmlattrns0{\xmlattrname Month}{\xmlattrvalue 3}}{\xmlattr\xmlattrns0{\xmlattrname Day}{\xmlattrvalue 11}}
{\xmlattr\xmlattrns0{\xmlattrname Year}{\xmlattrvalue 1960}}}New Zealand{\*\xmlclose} or elsewhere.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid14699426 {\fs24\lang2057\langfe1033\langnp2057\insrsid14699426 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid1204504\charrsid14699426 [Amended {\*\xmlopen\xmlns1{\factoidname date}{\xmlattr\xmlattrns0{\xmlattrname Month}{\xmlattrvalue 3}}{\xmlattr\xmlattrns0{\xmlattrname Day}{\xmlattrvalue 11}}{\xmlattr\xmlattrns0
{\xmlattrname Year}{\xmlattrvalue 1960}}}3/11/1960{\*\xmlclose} (NZ}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid14699426 )}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid1204504\charrsid14699426 ]}{
\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid14699426 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15687506 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid15687506\charrsid15687506 27. Voyage}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid15687506 
d time policies}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) Where the contract is to insure the subject-matter at 
and from, or from one place to another or others, the policy is called a "voyage policy"; and where the contract is to insure the subject-matter for a definite period of time, the policy is called a "time policy". A contract for both voyage and time may b
e included in the same policy.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) A ti}{\fs24\lang2057\langfe1033\langnp2057\insrsid5465204 me policy which is made for any }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
time exceeding twelve months is invalid; but a time policy may}{\fs24\lang2057\langfe1033\langnp2057\insrsid15687506  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 contain an }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13785885 agreement to the effect that, in}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  the event of the ship being at sea or the voyage otherwi}{
\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 se }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 not completed on the expira}{\fs24\lang2057\langfe1033\langnp2057\insrsid13785885 tion of twelve months, the subject}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -matter of the insurance}{\fs24\lang2057\langfe1033\langnp2057\insrsid3306667  shall be held covered until the}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
 arrival of the ship at her destination, or for a reasonable time thereafter not exceeding thirty days.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid14699426 {\fs24\lang2057\langfe1033\langnp2057\insrsid14699426 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid3306667\charrsid14699426 [Amended {\*\xmlopen\xmlns1{\factoidname date}{\xmlattr\xmlattrns0{\xmlattrname Month}{\xmlattrvalue 3}}{\xmlattr\xmlattrns0{\xmlattrname Day}{\xmlattrvalue 11}}{\xmlattr\xmlattrns0
{\xmlattrname Year}{\xmlattrvalue 1960}}}3/11/1960{\*\xmlclose} (NZ)}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid14699426 ]
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15687506 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid15687506\charrsid15687506 28. Valued pol}{
\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid15687506 icy}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) A policy may be either valued or unvalued.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) A valued policy is a policy which specifies the agreed value of the subject-matter insured.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(3) Subject to the provisions of 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.

\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (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 }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid4090963 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 28
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid15687506\charrsid14877709 29}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid15687506\charrsid11299805 .}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid11299805  Unvalued policy}{
\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 An unvalued policy is a policy which does not specify the value of the subject-matter insured, bu}{\fs24\lang2057\langfe1033\langnp2057\insrsid15219315 t, subject to the limit of the }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 sum insured, leaves the insurable value to be subsequently a}{\fs24\lang2057\langfe1033\langnp2057\insrsid14026186 scertained in the manner herein}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 before specified.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid7226594 30.}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid11299805 Floating policy by ship or ships
}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) A floating policy is a policy which describes the insurance in general terms, and leaves the name of the ship or ships and other particulars to be defined by subsequent declaration.

\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) The subsequent declaration or declarations may be made by endorsement on the policy or in other customary manner.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(3) Unless the policy otherwise provides, the declarations must be made in the order of despatch or shipment. They must, in the case of goods, comprise all consignments within the terms of the policy, and t
he value of the goods or other property must be honestly stated, but an omission or erroneous declaration may be rectified }{\fs24\lang2057\langfe1033\langnp2057\insrsid8544653 even after loss or arrival, pro}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 vided the omission or declaration was made in good faith.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (4) Unless the policy othe}{\fs24\lang2057\langfe1033\langnp2057\insrsid7147447 rwise provides, where a declara}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
tion 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 }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid11746402 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 30
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid15687506 31. Premium to be arranged}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) Where an insurance is}{
\fs24\lang2057\langfe1033\langnp2057\insrsid661335  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 effected at a premium to be }{\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 arranged, and no arrangement is }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 made, a reasonable premium is payable.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (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 }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid15279437 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 31
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15687506 {\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid15687506 32. Construction of terms in policy}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid661335 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid661335 Subject to the pro}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 visions of this Act, and unless }{
\fs24\lang2057\langfe1033\langnp2057\insrsid661335 the context of the policy other}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
wise requires, the terms and expressions mentioned in the Second Schedule to this Act have, when contained in a policy, the meaning and operation attributed to them in the said Schedule.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15687506 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15687506 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid15687506 Double Insurance
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15279437 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid14877709 33}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 . }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid16139171 Double insurance}{
\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid16139171 Where two or}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
 more policies are effected by or on behalf of the assured on the same adventure and interest or any part thereof, and the sums }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid15155448 insured}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  exceed the indemnity allowed by this Act, the assured is said to be overinsured by double insurance.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) Where the assured is overinsured by double insurance}{\fs24\lang2057\langfe1033\langnp2057\insrsid14699426  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid16139171 
\par 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid16139171 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(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}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12985524 ;}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15279437 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid15279437 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(b) Where the policy under which the assured claims is a valued policy, the assured must give credit as against the valuation for any sum received by him under any other policy, without regard to the actual valu}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12985524 e of the subject-matter insured;}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15279437 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid15279437 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(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 receive}{\fs24\lang2057\langfe1033\langnp2057\insrsid12985524 d by him under any other policy;}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid15155448 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15279437 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid15279437 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (d) Where the assured receives any sum in excess of the indemnity allo
wed by this Act, he is deemed to hold such sum in trust for the insurers, according to their right of contribution among themselves.
\par Cf. 1907, No. 24, s. 33
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid15279437 34. Nature of warranty}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) A warranty, in the following sections relating to warranties, means a
 promissory warranty-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 fac
ts.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15279437 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) A warranty may be express or implied.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (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, t}{
\fs24\lang2057\langfe1033\langnp2057\insrsid16410771 hen, subject to any express pro}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 vision in the policy, the
 insurer is discharged from liability as from the date of the breach of warranty, but without prejudice to any liability incurred by him before that date.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid9571371 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 34
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid14877709 35}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 . }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid16139171 When breach of warranty excused
}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid16139171 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid16139171 (1) Non-compli}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 ance with a warranty is 
excused when, by reason of a change of circumstances, the warranty ceases to be applicable to the circumstances of the contract, or when compliance with the warranty is rendered unlawful by any subsequent law.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid14877709 (2)}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
 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 }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15279437 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (3) A breach of warranty may be waived by the insurer.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12922773 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 35
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15279437 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid14877709 36}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid3038437 . Express warranties}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(1) An express warranty may be in any form of words from which the intention to warrant is to be inferred.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) An }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid2361862 express warranty must be included in or written upon the policy, or must be contained in some document}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  incorporated by reference into the policy.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15279437 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (3) An express warranty does not exclude an implied warranty, unless it is inconsistent therewith.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12922773 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 36
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15279437 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid6717341 37. Warranty of neutrality}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) Where insurable property, whether ship or goods, is expressly warranted neutral, there
 is an implied condition that the property shall have a neutral character at the commencement of the risk, and that, so far as the assured can control the matter, its neutral character shall be preserved during the risk.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) Where a ship is expressly warr
anted neutral, there is also an implied condition that, so far as the assured can control the matter, the ship shall be properly documented-that is to say, that she sh}{\fs24\lang2057\langfe1033\langnp2057\insrsid6970978 a}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 ll carry the necessary papers to establish her neutrality, and that her paper}{\fs24\lang2057\langfe1033\langnp2057\insrsid1837286 s shall not be falsified or sup}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 pressed, and that simulated pap}{\fs24\lang2057\langfe1033\langnp2057\insrsid1837286 ers shall not be used. If any loss}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  occurs through breach of this condition, the insurer may avoid the contract.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid1012571 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 37
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid15279437 38. No implied warranty of nationality}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid15279437  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 There is no implied warranty as to the nationality of a ship, or that her nationality shall not be changed during the risk.

\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12922773 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 38
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid15279437 39. Warranty of good safety}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid15279437  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Where the subject-matter insured is warranted "well" or "in good safety" on a
 particular day, it is sufficient if it is safe at any time during that day.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12922773 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 39
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15279437 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid15279437 40. Warranty of seaworthiness of ship}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid15279437  }{\fs24\lang2057\langfe1033\langnp2057\insrsid265255 - (}{
\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 1}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 ) In a voyage policy there is an implie}{\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 d warranty that at the commence}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 ment of the voyage the ship sh}{\fs24\lang2057\langfe1033\langnp2057\insrsid3081898 all be seaworthy for the purpose}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  of the particular adventure insured.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) Where the policy attaches while the ship is in port, there is also an implied warranty }{\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 that she shall, at the commence}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 ment of the risk, be reasonably fit to encounter the ordinary perils of the port.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(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 seawort
hy in respect of such preparation or equipment for the purposes of that stage.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (4) A ship is deemed to be seaworthy when she is reasonably fit in all respects to encounter the ordinary perils of the seas of the adventure insured.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (5) In a time policy ther
e 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 }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12922773 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 40
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid6717341 41. No implied warranty that goods are seaworthy}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) In a policy on goods or other movables there is no implied warranty that the goods or movables are seaworthy.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) In a voyage policy on goods or other movables there is an impli
ed warranty that at the commencement of the voyage the ship is not only seaworthy as a ship, but also that she is reasonably fit to carry the goods or other movables to the destination contemplated by the policy.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12922773 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 41
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid6717341 42. Warranty of legality}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
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.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12922773 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 42
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15279437 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid15279437 The Voyage
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15279437 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid15279437 43. Implied condition as to commencement of risk}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) Where the subject-matter is insured by a voyage policy "at}{\fs24\lang2057\langfe1033\langnp2057\insrsid2123635  and}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  from" or "from" a particular place, it is not necessary that the ship should be at that}{\fs24\lang2057\langfe1033\langnp2057\insrsid2123635  place when the contract is con}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 cluded, but there is
 an implied condition that the adventure shall be commenced within a reasonable time, and that if the adventure is not so commenced the insurer may avoid the contract.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) The implied condition may be negatived by showing that the delay was caused by circ
umstances known to the insurer before the contract was concluded, or that he waived the condition.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12922773 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 43
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid15279437\charrsid15279437 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid15279437 44. Alteration of port of departure}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Where the place of departure is specified by the pol}{\fs24\lang2057\langfe1033\langnp2057\insrsid13646464 
icy, and the ship instead of sai}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 ling from that place sails from any other place, the risk does not attach.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12922773 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 44
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid15279437 45. Sailing for different}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid15148940  }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid15279437 destination}{
\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Where the destination }{\fs24\lang2057\langfe1033\langnp2057\insrsid10100755 i}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
n specified in the policy, and the ship instead of sailing for that destination sails for any other destination, the risk does not attach.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12922773 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 45
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid5603277 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid5603277 46. Change of voyage}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid15158254 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid15158254 (1) Where, after the commencement}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
 of the risk, the destination of the ship is voluntarily}{\fs24\lang2057\langfe1033\langnp2057\insrsid5603277  }{\fs24\lang2057\langfe1033\langnp2057\insrsid15158254 c}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
hanged from the destination contemplated by the policy, there is said to be a change of voyage.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid5603277 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) Unless the policy otherwise provides, where there is a change of voyage the insurer is disch}{\fs24\lang2057\langfe1033\langnp2057\insrsid15365736 arged from liability as from}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  the time of change-that is to say, as from the time when the determination to change it is manifested; and it is immaterial that the ship may no}{
\fs24\lang2057\langfe1033\langnp2057\insrsid15365736 t in fact have left the course of}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  voyage contemplated by the policy when the loss occurs.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12922773 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 46
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid15279437 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid5603277\charrsid5603277 47. }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid5603277 Deviation}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) Where a ship without lawful excuse }{
\fs24\lang2057\langfe1033\langnp2057\insrsid10252438 de}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 viates from the voyage contemplated by the policy, th}{\fs24\lang2057\langfe1033\langnp2057\insrsid5603277 e }{
\fs24\lang2057\langfe1033\langnp2057\insrsid10252438 ins}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid10252438 urer}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  is discharged from }{
\fs24\lang2057\langfe1033\langnp2057\insrsid5637071 liability as from the time of devia}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 tion, and it is immat}{\fs24\lang2057\langfe1033\langnp2057\insrsid5637071 
erial that the ship may have re}{\fs24\lang2057\langfe1033\langnp2057\insrsid1245894 gai}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 ned her route before any loss occurs.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid5603277 {\fs24\lang2057\langfe1033\langnp2057\insrsid5603277 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) There is a deviation from the voyage contemplated by the policy}{\fs24\lang2057\langfe1033\langnp2057\insrsid1245894  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid5603277\charrsid13072698 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid5603277 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (a) Where the course of}{\fs24\lang2057\langfe1033\langnp2057\insrsid14357180 
 the voyage is specifically des}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 ignated by the policy, and that course is departed from; or
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid5603277 {\fs24\lang2057\langfe1033\langnp2057\insrsid5603277 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid5603277 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (b) Where the course of the voyage is not specifically designated by t
he policy, but the usual and customary course is departed from.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid5603277 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (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 }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12922773 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 47
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid5603277 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid5603277 48. Several ports of discharge}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(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 orde
r designated by the policy. If she does not, there is a deviation.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid5603277 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) Where the policy is to "ports of discharge" within a given area, which are not }{\fs24\lang2057\langfe1033\langnp2057\insrsid5603277 named, the ship must, in the ab}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 sence of any usage or sufficient cause to the contrary, proceed to them, or such of them as she goes to, in their geographical order. If she does not, there is a deviation.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid790536 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 48
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid5603277 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid5603277 49. Delay in voyage}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 In the case of a voyage policy the adventure insured mu
st be prosecuted throughout its course with reasonable despatch, and if without lawful excuse it is not so prosecuted, the insurer is discharged from liability as from the time when the delay became unreasonable.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12922773 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 49
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid5603277\charrsid5603277 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid5603277 50. Excuses for deviation or delay}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) Deviation or delay in prosecuting the voyage contemplated by the policy is excused}{
\fs24\lang2057\langfe1033\langnp2057\insrsid1245894  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid5603277 {\fs24\lang2057\langfe1033\langnp2057\insrsid5603277 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid14561112 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (a) Where authorised by any}{\fs24\lang2057\langfe1033\langnp2057\insrsid5603277 
 special term in the policy; or
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid5603277 {\fs24\lang2057\langfe1033\langnp2057\insrsid5603277 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid14561112 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(b) Where caused by circumstances beyond the control of the master and his employer; or
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid5603277 {\fs24\lang2057\langfe1033\langnp2057\insrsid5603277 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid14561112 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(c) Where reasonably necessary in order to comply with an express or implied warranty; or
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid5603277 {\fs24\lang2057\langfe1033\langnp2057\insrsid5603277 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid14561112 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(d) Where reasonably necessary for the safety of the ship or subject-matter insured; or
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid5603277 {\fs24\lang2057\langfe1033\langnp2057\insrsid5603277 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid14561112 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (e) For the purpose of saving human life, or aiding a ship in distress where }{
\fs24\lang2057\langfe1033\langnp2057\insrsid5603277 human life may be in danger; or
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid5603277 {\fs24\lang2057\langfe1033\langnp2057\insrsid5603277 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid14561112 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(f) Where reasonably necessary for the purpose of obtaining medical or surgical aid for any person on board the ship; or
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid5603277 {\fs24\lang2057\langfe1033\langnp2057\insrsid5603277 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid14561112 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (g) Where caused by the barra}{\fs24\lang2057\langfe1033\langnp2057\insrsid14357180 
trous conduct of the master }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 or crew, if barratry is one of the perils insured against.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid5603277 {\fs24\lang2057\langfe1033\langnp2057\insrsid5603277 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) When the cause excusing the deviation or delay ceases to operate, the ship must resume he}{\fs24\lang2057\langfe1033\langnp2057\insrsid5603277 r course and prosecute her }{
\fs24\lang2057\langfe1033\langnp2057\insrsid15477175 v}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 oyage with reasonable despatch.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid5603277 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 50
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid5603277 {\fs24\lang2057\langfe1033\langnp2057\insrsid5603277 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid5603277 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid5603277 Assignment of Policy
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid5603277 {\fs24\lang2057\langfe1033\langnp2057\insrsid5603277 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4984148 51. When and how po}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid4984148\charrsid4984148 licy is assignable}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 (1) A marine }{\fs24\lang2057\langfe1033\langnp2057\insrsid14878759 po}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 licy is assignable unless it co}{\fs24\lang2057\langfe1033\langnp2057\insrsid6183684 ntains terms expressly prohibiting assignment.}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  It may be assigned either before or after loss.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid6699729 (2) }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Where a marine policy h}{\fs24\lang2057\langfe1033\langnp2057\insrsid8656744 as been assigned so as to pass t}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 he beneficial interest in the polic}{\fs24\lang2057\langfe1033\langnp2057\insrsid8656744 y, the assignee of the policy is}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  entitled to sue thereon in hi}{\fs24\lang2057\langfe1033\langnp2057\insrsid8656744 s own name; and the defendant is}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  entitled to make any defence ar}{\fs24\lang2057\langfe1033\langnp2057\insrsid8656744 ising out of the contract which}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  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.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid4984148 {\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (3) A marine policy may be assigned by endorsement whereon or in other customary manner.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid4984148 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 51
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid4984148 {\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4984148 52. Assured who has no interest cannot assign}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid11612481 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid11612481 Where the insu}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 red has parted with or los}{
\fs24\lang2057\langfe1033\langnp2057\insrsid11612481 t his interest in the subject-ma}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 tter insured, and has not, before o}{\fs24\lang2057\langfe1033\langnp2057\insrsid11612481 
r at the time of so doing, }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 e}{\fs24\lang2057\langfe1033\langnp2057\insrsid11612481 xpre}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
ssly or impliedly agreed }{\fs24\lang2057\langfe1033\langnp2057\insrsid11612481 to assign the policy, any subsequent}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  assignment of the policy is inoperative:
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Provided that nothing in this s}{\fs24\lang2057\langfe1033\langnp2057\insrsid9666061 ection affects the assignment o}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 f a policy after loss.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid4984148 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 52
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid4984148 {\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid4984148 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4984148 The Premium
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid4984148 {\fs24\lang2057\langfe1033\langnp2057\insrsid4984148\charrsid3018199 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid4984148\charrsid3018199 5}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid3018199 3. Policy effected through broker}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid3018199 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid3018199 (1) Unless otherwise }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13126345 a}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid3018199 g}{\fs24\lang2057\langfe1033\langnp2057\insrsid13126345 r}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid3018199 
eed, where a marine policy is effected on behalf of the assured by a broker, the broker is di}{\fs24\lang2057\langfe1033\langnp2057\insrsid9666061\charrsid3018199 rectly responsible to the }{\fs24\lang2057\langfe1033\langnp2057\insrsid13915295 insu}{
\fs24\lang2057\langfe1033\langnp2057\insrsid9666061\charrsid3018199 re}{\fs24\lang2057\langfe1033\langnp2057\insrsid13915295 r}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid3018199  for the premium, and the i}{
\fs24\lang2057\langfe1033\langnp2057\insrsid9666061\charrsid3018199 nsurer is directly responsible t}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid3018199 o the assured for the amount which may be payable}{
\fs24\lang2057\langfe1033\langnp2057\insrsid9666061\charrsid3018199  in respect o}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid3018199 f losses or in respect of returnable premium.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4984148\charrsid3018199 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid3018199 
(2) Unless otherwise agreed, the broker has, as against the assured, a lien upon the policy for the amount of the premium and his charges in respect of effecting the policy; and, where he has dealt with the person who 
employs him as a principal, he has 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 had reason to believe that such person was only an agent.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid14557839 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid3018199 Cf. 1907, No. 24, s. 53
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid4984148 {\fs24\lang2057\langfe1033\langnp2057\insrsid4984148\charrsid3018199 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid3018199 54. Effect of receipt on policy}{\fs24\lang2057\langfe1033\langnp2057\insrsid4984148\charrsid3018199  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid3018199 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid3018199 
Where a marine policy effected on behalf of the assured by a broker acknowledges the receipt of the premium, such acknowledgment is, in the absence of fraud, conclusive as between the insurer and the assured, but not as between the insurer and the broker.

\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid4984148 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 54
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid4984148 {\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid4984148 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4984148 Loss and Abandonment
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid4984148 {\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4984148 55. Included and excluded losses}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) Subject to the pro
visions of this Act, and unless the policy otherwise provides, the insurer is liable for any loss proximately caused by a peril insured against; but, subject as aforesaid, he is not liable for any loss not proximately caused by a peril insured against.

\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) In particular}{\fs24\lang2057\langfe1033\langnp2057\insrsid4003718  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4984148\charrsid13072698 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid4984148 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(a) The insurer is not liable for any loss attributable to the wilful misconduct of the assured; but, unless the policy otherwise provides, he is liable for any loss}{\fs24\lang2057\langfe1033\langnp2057\insrsid4984148  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 proximately caused by a peril insured against, even though the loss would not have happened but for}{\fs24\lang2057\langfe1033\langnp2057\insrsid4984148  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 the misconduct or ne}{\fs24\lang2057\langfe1033\langnp2057\insrsid1659196 gligence of the master or crew;}{\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid4984148 {\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid4984148 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(b) Unless the policy otherwise provides, the insurer on ship or goods is not liable for any loss proximately caused by delay, although the delay is caused by a peril ins}{\fs24\lang2057\langfe1033\langnp2057\insrsid1659196 ured against;}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid4984148 {\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid4984148 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(c) Unless the policy otherwise provides, the insurer is not liable for ordinary wear and tear, ordinary leakage and breakage, inherent vice or nature of the subject-matter insured, or for any loss proximately caused by rats or vermin, or for an
y injury to machinery not proximately caused by maritime perils.
\par Cf. 1907, No. 24, s. 55
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid4984148 {\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid9469279 56. Partial and total loss}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773\charrsid9469279  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid9469279 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773\charrsid9469279  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid9469279 
(1) A loss may be either total or partial. Any loss other than a total loss, as hereinafter defined, is a partial loss.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4984148\charrsid9469279 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid9469279 (2) A total loss may be either }{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773\charrsid9469279 an actual total loss or a constr}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid9469279 uctive total loss.}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 
\par (3)}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  Unless a different intention appears from the terms of policy, an insurance against}{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  total loss includes a constructive}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  as well as an actual total loss.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 
\par (}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 4) Where the assured brings an action for a total loss, and evidence proves only a parti}{\fs24\lang2057\langfe1033\langnp2057\insrsid13635214 al loss, he may, unless the policy}{
\fs24\lang2057\langfe1033\langnp2057\insrsid6882241  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 otherwise provides, recover for a partial loss.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (5) Where goods reach their destination in specie, but by }{\fs24\lang2057\langfe1033\langnp2057\insrsid15996231 rea}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 son of obliteration of marks or otherwise they are incapable identification, the loss (if any) is partial and not total.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid4984148 {\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 Cf}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 . 1907, No. 24, s. 56
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 5}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4984148 7. Actual total loss}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) Wh}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773 ere the subject-matter insured}{\fs24\lang2057\langfe1033\langnp2057\insrsid9063117  is}{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  d}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 estroyed, or so damaged as to cease to be a thing of the }{\fs24\lang2057\langfe1033\langnp2057\insrsid13189564 kind }{\fs24\lang2057\langfe1033\langnp2057\insrsid9063117 
insured, or where the assured}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  }{\fs24\lang2057\langfe1033\langnp2057\insrsid4357164 is }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 irretrievably d}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773 eprived }{\fs24\lang2057\langfe1033\langnp2057\insrsid4333033 there}{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773 o}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
f, there is an actual total loss.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid4984148 {\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 
\par (}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 2) In the case of an actual t}{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773 otal loss no notice of abandonme}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 nt need be given.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12922773 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 57
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid4984148 {\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4984148 58. Missing ship}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Where the ship concerned in the adven}{\fs24\lang2057\langfe1033\langnp2057\insrsid3083035 tur}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 e is missing, and after the lapse of}{\fs24\lang2057\langfe1033\langnp2057\insrsid7682847  a reasonable time no news}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  of her has been received, an actual total loss may be }{\fs24\lang2057\langfe1033\langnp2057\insrsid6771654 presume}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 d.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12922773 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 58
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid4984148 {\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid2167675 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid4984148 59. }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4984148 Effect of transhipment, etc.
}{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773\charrsid12922773  - }{\fs24\lang2057\langfe1033\langnp2057\insrsid12461418 Where, by a peril insured against}{\fs24\lang2057\langfe1033\langnp2057\insrsid6962517 ,}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  the voyage is interrupted at an intermediate port or }{\fs24\lang2057\langfe1033\langnp2057\insrsid7817932 place }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 under such circumstances as, }{\fs24\lang2057\langfe1033\langnp2057\insrsid16135542 apart from any special stipulation}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  in the contract of affreightment, to justify the}{\fs24\lang2057\langfe1033\langnp2057\insrsid2167675  }{\fs24\lang2057\langfe1033\langnp2057\insrsid16528982 master }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 in landing and reshipping the goods or other movables, }{\fs24\lang2057\langfe1033\langnp2057\insrsid16528982 or in }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 transhipping them, and sending them on to their }{\fs24\lang2057\langfe1033\langnp2057\insrsid16528982 destination}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 , the liability of}{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  the insurer continues, notwithstan}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
ding the landing or transhipment.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12594832 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 59
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid9245043 {\fs24\lang2057\langfe1033\langnp2057\insrsid9245043 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid9245043 60. }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid9245043 Constructive total loss defined}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid16528982 (1) Subject to any express}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  provision in the policy, there is a constructive total }{\fs24\lang2057\langfe1033\langnp2057\insrsid1591171 loss}{\fs24\lang2057\langfe1033\langnp2057\insrsid11280117 .}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  }{\fs24\lang2057\langfe1033\langnp2057\insrsid11280117 W}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 here the subject-matter i}{
\fs24\lang2057\langfe1033\langnp2057\insrsid14694192 nsured is reasonably abandoned on ac}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 count of its actual total loss appear}{\fs24\lang2057\langfe1033\langnp2057\insrsid14694192 
ing to be unavoidable, or}{\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  bec}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 ause it could not be pre}{\fs24\lang2057\langfe1033\langnp2057\insrsid14694192 
served from actual total loss witho}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 ut an expenditure which would exceed its value when }{\fs24\lang2057\langfe1033\langnp2057\insrsid3832357 th}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 e expenditure had been incurred.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid9245043 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) In particular there is a constructive total loss}{\fs24\lang2057\langfe1033\langnp2057\insrsid11022170  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -

\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid9245043 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid9245043 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(a) Where the assured is deprived of the possession of his ship or goods by a peril insured against, and (i) it}{\fs24\lang2057\langfe1033\langnp2057\insrsid9245043  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
is unlikely that he can recover the ship or goods, as the case may be, or (ii) the cost of recovering the ship or goods, as the case may be, would exceed their value when recovered; or
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid9245043 {\fs24\lang2057\langfe1033\langnp2057\insrsid9245043 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid9245043 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (b) In the case of }{\fs24\lang2057\langfe1033\langnp2057\insrsid9245043 
damage to a ship, where she is}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  }{\fs24\lang2057\langfe1033\langnp2057\insrsid11805377 so }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 damaged by a peri
l insured against that the cost of repairing the damage would exceed the value of the ship when repaired; or
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid9245043 {\fs24\lang2057\langfe1033\langnp2057\insrsid9245043 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid9245043 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(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\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid4933083 {\fs24\lang2057\langfe1033\langnp2057\insrsid4933083 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(3) In estimating the cost of repairs, no deduction is to be made in respect of general average contributions to those repairs payable by other interests, but account is to be taken of the expense of future salvage operations and of any future
 general average contributions to which the ship would be liable if repaired.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12594832 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 60
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid4933083 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4933083 61. Effect of constructive total loss}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12922773  Where there is a con}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 str
uctive total loss, the assured may either treat the loss as a partial loss or abandon the subject-matter insured to the insurer and treat the loss as if it were an actual total loss.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12594832 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 61
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid4933083 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4933083 62. Notice of abandonment}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) Subject to the p
rovisions of this section, where the assured elects to abandon the subject-matter insured to the insurer he must give notice of abandonment. If he fails to do so, the loss can be treated only as a partial loss.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4933083 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) Notice of abandonment may be given in wr
iting, 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 }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid4933083 {\fs24\lang2057\langfe1033\langnp2057\insrsid4933083 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (3) Notice of abandonment must be given with reasonable diligence after the receipt of }{\fs24\lang2057\langfe1033\langnp2057\insrsid11022170 reliable information of the loss}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 , but where the information is of a doubtful character the assured is entitled to a reasonable time to make inquiry.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4933083 
\par (}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 4) Where notice of abandonment is properly given, the }{\fs24\lang2057\langfe1033\langnp2057\insrsid11496737 rights}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  of the assured are not preju}{\fs24\lang2057\langfe1033\langnp2057\insrsid14770714 diced by the fact that the insurer}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  refuses to accept the abandonment.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid4933083 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (5) The acceptance of an abandonment may be either express or implied from the conduct of the insurer.}{\fs24\lang2057\langfe1033\langnp2057\insrsid2834712  The mere sil}{
\fs24\lang2057\langfe1033\langnp2057\insrsid2834712\charrsid13072698 ence}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  of the insurer after notice is not an acceptance.}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698 

\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid12403869\charrsid13072698 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (6) Where notice of aband}{\fs24\lang2057\langfe1033\langnp2057\insrsid8851848 onment is accepted, the abandon}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
ment is irrevocable. The acceptance of the notice conclusively admits liability for the loss and the sufficiency of the notice.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4933083 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (7) Notice of abandonment is unnecessary where, at the time when the assured receives information of the }{\fs24\lang2057\langfe1033\langnp2057\insrsid15015074 loss,}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  there would be no possibility of benefit to the insurer if notice were given to him.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid4933083 {\fs24\lang2057\langfe1033\langnp2057\insrsid4933083 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (8) Notice of abandonment may be waived by the insurer.}{\fs24\lang2057\langfe1033\langnp2057\insrsid12594832 
\par 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (9) Where an insurer has r}{\fs24\lang2057\langfe1033\langnp2057\insrsid4933083 einsured his risk, no notice of }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 abandonment need be given by him.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid3018199 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 62
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid4933083 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4933083 63. Effect of abandonment}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) Where there is a valid abandonment, the insurer is entitled to take over the interest of the assured in whatever may rema}{
\fs24\lang2057\langfe1033\langnp2057\insrsid1399064 in of the subject-matter insured}{\fs24\lang2057\langfe1033\langnp2057\insrsid6848492 ,}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
 and all proprietary rights incidental thereto.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid4933083 {\fs24\lang2057\langfe1033\langnp2057\insrsid4933083 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) Upon the abandonment of a ship the insurer thereof }{
\fs24\lang2057\langfe1033\langnp2057\insrsid3018199 is}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  entitled to any freight which is in course of being earned, }{\fs24\lang2057\langfe1033\langnp2057\insrsid3018199 a}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 nd which is earned by her subsequent to the casualty causing}{\fs24\lang2057\langfe1033\langnp2057\insrsid3018199  the}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  loss, less the expenses of earning it}{\fs24\lang2057\langfe1033\langnp2057\insrsid7950813  incurred after the }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
casualty; and where the ship }{\fs24\lang2057\langfe1033\langnp2057\insrsid7502547 is carrying the owner's goods, }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 the insurer is entitled to a r}{
\fs24\lang2057\langfe1033\langnp2057\insrsid7950813 easonable remuneration for the ca}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 rriage of them subsequent to the casualty causing the loss.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12594832 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 63
\par }\pard \ql \fi-1872\li1872\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin1872\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid4933083 
\par }\pard \qc \fi-1872\li1872\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin1872\itap0\pararsid10318415 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4933083 
Partial Losses (Including Salvage and General Average and Particular Charges)
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid4933083\charrsid4933083 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid10318415 64. Particular average loss}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid12594832 - }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) A particular average loss }{\fs24\lang2057\langfe1033\langnp2057\insrsid11022170 is }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
a partial loss of the subject-matter insured, which is caused}{\fs24\lang2057\langfe1033\langnp2057\insrsid13003621  by}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  a peril insured against, and which is not a general average}{
\fs24\lang2057\langfe1033\langnp2057\insrsid16078618  loss.}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10318415 {\fs24\lang2057\langfe1033\langnp2057\insrsid10318415 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) Expenses incurred by or on behalf of the assured for the }{\fs24\lang2057\langfe1033\langnp2057\insrsid2373068 safety }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 or preservation of the subject-matter insured, other }{\fs24\lang2057\langfe1033\langnp2057\insrsid9641436 th}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
an general average and salvage charges, are cal}{\fs24\lang2057\langfe1033\langnp2057\insrsid6387723 led particul}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 ar charges. Particular charges are not included in particular }{
\fs24\lang2057\langfe1033\langnp2057\insrsid15080996 av}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 erage.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12594832 {\field\flddirty{\*\fldinst {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  HYPERLINK http://Cf.1907.No.24.s.64 }{
\fs24\lang2057\langfe1033\langnp2057\insrsid1773137\charrsid13072698 {\*\datafield 
00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b3600000068007400740070003a002f002f00630066002e0031003900300037002e006e006f002e00320034002e0073002e00360034002f00000000000000000000000000000000}}}{\fldrslt {
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907. No. 24. s. 64}}}\sectd \linex0\sectdefaultcl\sftnbj {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10318415 {\fs24\lang2057\langfe1033\langnp2057\insrsid10318415 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid10318415 65. Salvage charges}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 - (1) Su}{
\fs24\lang2057\langfe1033\langnp2057\insrsid15080996 bject to any express provision}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  in the policy, salvage charges incurred in }{\fs24\lang2057\langfe1033\langnp2057\insrsid11432953 
preventing a loss}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  by perils insured against may be recovered as a loss by }{\fs24\lang2057\langfe1033\langnp2057\insrsid4926191 those }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 perils.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid10318415 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(2) "Salvage charges" means the charges recoverable under maritime law by a salvor independently of contract, and does not include the expenses of services in the nature of salvage ren
dered by the assured or his agents, or any person employed for hire by them, for the purpose of averting a peril insured against. Such expenses, where properly incurred, may be recovered as particular char}{
\fs24\lang2057\langfe1033\langnp2057\insrsid11022170 ges or as a general average loss}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 , according to the circumstances under which they were incurred.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12594832 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 65
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10318415 {\fs24\lang2057\langfe1033\langnp2057\insrsid10318415 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4851432 66. General average loss}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12594832\charrsid4851432  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4851432 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12594832\charrsid4851432  }{\fs24\lang2057\langfe1033\langnp2057\insrsid4546163\charrsid4851432 (1) A general average loss is}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4851432 
 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 }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid10318415\charrsid4851432 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) There is a general aver}{\fs24\lang2057\langfe1033\langnp2057\insrsid4851432 age act where any extraordinary}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  sacrifice or expenditure is voluntarily and reasonably made or incurred in time of peril for the purpose of preserving the property imperilled in the common adventure.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid10318415 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (3) Wh
ere there is a general average loss, the party on whom it falls is entitled, subject to the conditions imposed by maritime law, to a rateable contribution from the other parties interested, and such contribution is called a general average contribution.

\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid10318415 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (
4) Subject to any express provision in the policy, where the assured has incurred a general average expenditure he may recover from the insurer in respect of the proportion of the loss which falls upon him; and, in the case of a general average sacrifice,
 he may recover from the insurer in respect of the whole loss without having enforced his right of contribution from the other parties liable to contribute.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10318415 {\fs24\lang2057\langfe1033\langnp2057\insrsid10318415 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (5) Subject to any express provision in the policy, where the assured has paid or is liab}{\fs24\lang2057\langfe1033\langnp2057\insrsid10318415 le to pay a general average con}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 tribution in respect of the subject insured he may recover therefor from the insurer.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid10318415 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(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 p}{\fs24\lang2057\langfe1033\langnp2057\insrsid10318415 urpose of avoiding or in connec}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 tion with the avoidance of a peril insured against.}{\fs24\lang2057\langfe1033\langnp2057\insrsid10318415 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid7950813 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (7) Where ship, freight, an}{\fs24\lang2057\langfe1033\langnp2057\insrsid1341307 d cargo, or any two of those inter}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 ests, are owned by the same}{\fs24\lang2057\langfe1033\langnp2057\insrsid7304495  assured, the liability of the insu}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 rer in respect of general average losses or contributions is}{\fs24\lang2057\langfe1033\langnp2057\insrsid10318415  }{\fs24\lang2057\langfe1033\langnp2057\insrsid9073841 to }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 be determined as if those subjects were owned by different}{\fs24\lang2057\langfe1033\langnp2057\insrsid8998961  persons.}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12594832 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 66
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid10318415 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10318415 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid10318415 Measure of Indemnity
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10318415 {\fs24\lang2057\langfe1033\langnp2057\insrsid10318415 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid3041694 6}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid10318415 7. Extent of liability of insurer for loss}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid10318415 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid10318415 (1) The sum }{\fs24\lang2057\langfe1033\langnp2057\insrsid136150 whic}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 h the assured can recover in respect of a loss on a policy }{\fs24\lang2057\langfe1033\langnp2057\insrsid136150 by }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 which he is insured, in the case of an unvalued policy to }{\fs24\lang2057\langfe1033\langnp2057\insrsid136150 the}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  full extent of the insurable valu}{\fs24\lang2057\langfe1033\langnp2057\insrsid136150 e, or in the case of a valued policy}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  to the full extent of the value }{\fs24\lang2057\langfe1033\langnp2057\insrsid10318415 fixed by the policy, is}{\fs24\lang2057\langfe1033\langnp2057\insrsid136150  call}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 ed the measure of indemnity.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid10318415 (}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 2) Where there is a loss recoverable under the policy, the }{\fs24\lang2057\langfe1033\langnp2057\insrsid14687057 insurer, }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 or each insurer if there are more than one, is liable }{\fs24\lang2057\langfe1033\langnp2057\insrsid14687057 for }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
such proportion of the measure of indemnity as the amount }{\fs24\lang2057\langfe1033\langnp2057\insrsid14687057 of }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 his subscription bears to the value fixed by the policy in the }{
\fs24\lang2057\langfe1033\langnp2057\insrsid14687057 case}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  of a valued policy, or to the }{\fs24\lang2057\langfe1033\langnp2057\insrsid14687057 insurable value in the case of an}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  unvalued policy.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid3803841 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 67
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10318415 {\fs24\lang2057\langfe1033\langnp2057\insrsid10318415 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid10318415 68. Total loss}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Subject to the provisions of this Act and to }{\fs24\lang2057\langfe1033\langnp2057\insrsid7151222 any }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 express provision in the policy, where there is a total loss }{\fs24\lang2057\langfe1033\langnp2057\insrsid7151222 of }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 the subject-matter insured,}{\fs24\lang2057\langfe1033\langnp2057\insrsid13319947  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid343779 {\fs24\lang2057\langfe1033\langnp2057\insrsid343779 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid343779 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (a) If the policy is a valued policy, the measure of indemnity}{
\fs24\lang2057\langfe1033\langnp2057\insrsid8788162  is the sum fixed by the policy;}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid343779 {\fs24\lang2057\langfe1033\langnp2057\insrsid343779 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid343779 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (b) If the policy is an u}{\fs24\lang2057\langfe1033\langnp2057\insrsid3803841 
nvalued policy, the measure of }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 indemnity is the insurable value of the subject-matter insured.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid15866760 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 68
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid343779 {\fs24\lang2057\langfe1033\langnp2057\insrsid343779 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid343779 69. Partial loss of ship}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Where a ship is damaged, but is }{\fs24\lang2057\langfe1033\langnp2057\insrsid7212899 no}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 t totally lost, the measu}{\fs24\lang2057\langfe1033\langnp2057\insrsid12594832 re of indemnity, subject to any }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
express provision in the policy, is as follows:
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15866760 {\fs24\lang2057\langfe1033\langnp2057\insrsid15866760 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid15866760 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(a) Where the ship has been repaired, the assured is entitled to the reasonable cost of the repairs, less the customary deductions, but not exceeding the sum insured in respect of any one casualty}{\fs24\lang2057\langfe1033\langnp2057\insrsid3803841 ;}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15866760 {\fs24\lang2057\langfe1033\langnp2057\insrsid15866760 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid15866760 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (b) Where the ship has been only partially repaired, the 
assured is entitled to the reasonable cost of such repairs, computed a}{\fs24\lang2057\langfe1033\langnp2057\insrsid3803841 s above, and also to be indemni}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
fied for the reasonable depreciation (if any) arising}{\fs24\lang2057\langfe1033\langnp2057\insrsid15866760  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 from the unrepaired damage, provided that the aggregate amount shal}{
\fs24\lang2057\langfe1033\langnp2057\insrsid3803841 l not exceed the cost of repair}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 ing the }{\fs24\lang2057\langfe1033\langnp2057\insrsid3803841 whole damage, computed as above;}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15866760 {\fs24\lang2057\langfe1033\langnp2057\insrsid15866760 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid15866760 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(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 n
ot exceeding the reasonable cost of repairing such damage, computed as above.
\par Cf. 1907, No. 24, s. 69}{\fs24\lang2057\langfe1033\langnp2057\insrsid15866760 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15866760 {\fs24\lang2057\langfe1033\langnp2057\insrsid15866760 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid15866760 70. Partial loss of freight}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Subject to any express provision in the policy, where there is a partial loss of freight the measure of indemnity is such p
roportion 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.

\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12594832 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 70
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid11816746 {\fs24\lang2057\langfe1033\langnp2057\insrsid11816746 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid11816746 71. Partial loss of goods, merchandise, etc.}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
Where there is a partial loss of goods, merchandise, or other movables, the measure of indemnity, subject to any express provision in the policy, is as follows}{\fs24\lang2057\langfe1033\langnp2057\insrsid14747995 :}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid11816746 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid11816746 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (a) Where part of the goods,}{\fs24\lang2057\langfe1033\langnp2057\insrsid12594832 
 merchandise, or other mova}{\fs24\lang2057\langfe1033\langnp2057\insrsid12594832\charrsid13072698 bles}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  insured by a valued policy is totally lost, the}{
\fs24\lang2057\langfe1033\langnp2057\insrsid11816746  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
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}{\fs24\lang2057\langfe1033\langnp2057\insrsid3803841 
 the case of an unvalued policy;}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid11816746 {\fs24\lang2057\langfe1033\langnp2057\insrsid11816746 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid11816746 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (b) Where part of the }{\fs24\lang2057\langfe1033\langnp2057\insrsid7212899 
goods, merchandise, or other mov}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 ables insured by an unvalued policy is totally }{\fs24\lang2057\langfe1033\langnp2057\insrsid13319947 lost,}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  the measure of indemnity is the insurable value }{\fs24\lang2057\langfe1033\langnp2057\insrsid5001989 of }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
the part lost, ascer}{\fs24\lang2057\langfe1033\langnp2057\insrsid3803841 tained as in case of total loss;}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid11816746 {\fs24\lang2057\langfe1033\langnp2057\insrsid11816746 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid11816746 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (c) Where the whole or a}{\fs24\lang2057\langfe1033\langnp2057\insrsid12594832 
ny part of the goods or merchan}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 dise insured has been delivered damaged at its destination, the m}{\fs24\lang2057\langfe1033\langnp2057\insrsid11816746 easure of indemnity is such pro}
{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 portion of the sum fixed by the policy in the case of a valued policy, or of the insurable value in the case of an 
unvalued policy, as the difference between the gross sound and damaged values at the place of arrival bear}{\fs24\lang2057\langfe1033\langnp2057\insrsid3803841 s to the gross sound value;}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid11816746 {\fs24\lang2057\langfe1033\langnp2057\insrsid11816746 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12337813 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(d) "Gross value" means the wholesale price or, if there is no such price, the estimated value, with in either case freight, landin}{\fs24\lang2057\langfe1033\langnp2057\insrsid3803841 g charges, and duty paid before}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 hand; provided that, }{\fs24\lang2057\langfe1033\langnp2057\insrsid12594832 in the case of goods or merchan}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
dise customarily sold in bond, the bonded price is deemed to be the gross value.}{\fs24\lang2057\langfe1033\langnp2057\insrsid12337813 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 71
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid11816746 {\fs24\lang2057\langfe1033\langnp2057\insrsid11816746 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid11816746 72. Apportionment of }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid11816746 valuation}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid12594832 - (1) Where different }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 species of property are insured}{\fs24\lang2057\langfe1033\langnp2057\insrsid1597468 
 under a single valuation, the }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 valuation must be apportioned over the different species in}{\fs24\lang2057\langfe1033\langnp2057\insrsid11816746  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid1597468 pro}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 portion to their respective insurable values, as in the case }{\fs24\lang2057\langfe1033\langnp2057\insrsid1597468 of }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 an unvalued policy.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid11816746 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) The insured value of any}{\fs24\lang2057\langfe1033\langnp2057\insrsid3041694  part of a species is such pr}{\fs24\lang2057\langfe1033\langnp2057\insrsid1597468 oportion}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  }{\fs24\lang2057\langfe1033\langnp2057\insrsid3041694 o}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 f }{\fs24\lang2057\langfe1033\langnp2057\insrsid3540231 
the total insured value of the s}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 ame as the insurable }{\fs24\lang2057\langfe1033\langnp2057\insrsid1597468 value}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  of the part bears to the insurable va}{\fs24\lang2057\langfe1033\langnp2057\insrsid3041694 lue of the whole}{\fs24\lang2057\langfe1033\langnp2057\insrsid1597468 ,}{
\fs24\lang2057\langfe1033\langnp2057\insrsid3041694  }{\fs24\lang2057\langfe1033\langnp2057\insrsid1597468 ascertained}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  in both cases as provided by this Act.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid11816746 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (3) Where a valuation has}{\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  to be apportioned, and partic}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
ulars of the prime cost of each separate species, quality, or }{\fs24\lang2057\langfe1033\langnp2057\insrsid3881209 descri}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 ption of goods cannot be ascertained, the division of the }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13312600 val}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 uation may be made over the net arrived sound values of }{\fs24\lang2057\langfe1033\langnp2057\insrsid11285540 th}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 e different species, qualities, or descriptions of goods.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid11816746 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 72
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid11816746 {\fs24\lang2057\langfe1033\langnp2057\insrsid11816746\charrsid4742786 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid358043 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4742786 73. General average contributions and salvage charges}{
\b\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4742786 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid4742786 (}{
\fs24\lang2057\langfe1033\langnp2057\insrsid11870904 1}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4742786 ) Subject to any express provision in the policy, where the }{\fs24\lang2057\langfe1033\langnp2057\insrsid358043 assured}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4742786  has paid or is liable f}{\fs24\lang2057\langfe1033\langnp2057\insrsid358043 or any general average contribution the measure of indemnity is the full amount of such contribution}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4742786  if the subject-matter liable to contribution is insured }{\fs24\lang2057\langfe1033\langnp2057\insrsid4660787 for }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4742786 
its full contributory value, but if such subject-matter is not}{\fs24\lang2057\langfe1033\langnp2057\insrsid4660787  insured}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4742786  for its full contributory value, or if only part of it is }
{\fs24\lang2057\langfe1033\langnp2057\insrsid936515 insu}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4742786 red, the indemnity payable by the insurer must be reduced }{\fs24\lang2057\langfe1033\langnp2057\insrsid10962466 in }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4742786 proportion to the under-insurance, and where there has }{\fs24\lang2057\langfe1033\langnp2057\insrsid10962466 been }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4742786 
a particular average loss which constitutes a deduction}{\fs24\lang2057\langfe1033\langnp2057\insrsid10962466  from}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4742786  the contributory value, and for which the insurer is }{
\fs24\lang2057\langfe1033\langnp2057\insrsid10962466 liabl}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4742786 e, that amount must be deducted from the insured value }{\fs24\lang2057\langfe1033\langnp2057\insrsid10962466 in}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4742786  order to ascertain what the i}{\fs24\lang2057\langfe1033\langnp2057\insrsid358043 nsurer is liable to contribute.
\par 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4742786 (2) Where the insurer is liable for salvage charges, the e}{\fs24\lang2057\langfe1033\langnp2057\insrsid7950813 xtent}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4742786  of his liability must be determined on the like principle.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12153553 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid4742786 Cf. 1907, No. 24, s. 73
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid358043 {\fs24\lang2057\langfe1033\langnp2057\insrsid358043 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid358043 74. Liabilities to third parties}{
\b\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Where the assured has }{\fs24\lang2057\langfe1033\langnp2057\insrsid358043 effected }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
an insurance in express terms against any liability }{\fs24\lang2057\langfe1033\langnp2057\insrsid12153553 to }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 a third party, the measure of indemnity, subject to any}{
\fs24\lang2057\langfe1033\langnp2057\insrsid6110745  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 express provision in the policy, is the amount paid or payable by him to such third party in respect of such liability.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid929572 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 74
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid358043 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid358043\charrsid6110745 7}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid6110745 5. General provisio}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid6110745\charrsid6110745 
ns as to measure of indemnity}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid6110745 -}{\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) Where there has been a}{\fs24\lang2057\langfe1033\langnp2057\insrsid11100084  loss in respect of any subject}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
 matter not expressly provided for in the foregoing provisions of this Act, the measure of indemnity shall be ascertained,}{\fs24\lang2057\langfe1033\langnp2057\insrsid6110745  a}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
s nearly as may be, in accordance with those provisions, in so far as applicable to the particular case.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid11100084 {\fs24\lang2057\langfe1033\langnp2057\insrsid11100084 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) Nothing in the provision
s of 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-m
atter insured was not at risk under the policy.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid11100084 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 75
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid11100084 {\fs24\lang2057\langfe1033\langnp2057\insrsid11100084 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid11100084 76. Particular average warranties}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) Where the subject}{\fs24\lang2057\langfe1033\langnp2057\insrsid7275719 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 matter insured is warranted free from particular average, the assured cannot recover for a loss of part, other than a loss inc
urred by a general average sacrifice, unless the contract contained in the policy is apportionable; but if the contract is apportionable, the assured may recover for a total loss of any apportionable part.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid11100084 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) Where the subject-matter insured is warranted
 free from particular average, either wholly or under a certain percentage, the insurer is nevertheless liable for salvage charges, and for particular charges and other ex}{\fs24\lang2057\langfe1033\langnp2057\insrsid7950813 penses pro}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 perly incurred pursuant to the provisions of the suing and labouring clause in order to avert a loss insured against.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid11100084 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (3) Unless the policy otherw}{\fs24\lang2057\langfe1033\langnp2057\insrsid3041694 ise provides, where the subject}{\fs24\lang2057\langfe1033\langnp2057\insrsid7557551 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
matter insured is warranted free from particular average under a specified percentage, a general average loss cannot be added to a particular average loss to make up the specified percentage.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid11100084 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (4) For the purpose of ascertaining whether the specified percentage has been reached, re}{\fs24\lang2057\langfe1033\langnp2057\insrsid12594832 gard shall be had only to the }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 actual loss suffered by the subject-matter insured. Particular charges and the expenses of and incidental to ascertaining and proving the loss must be excluded.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid12594832 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 76
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid11100084 {\fs24\lang2057\langfe1033\langnp2057\insrsid11100084 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid11100084 77. Successive losses}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid12594832  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) }{\fs24\lang2057\langfe1033\langnp2057\insrsid12594832 Unless the policy otherwise pro}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 vides, and subject to the provisions of this Act, the insurer is liable for successive losses, even though the total amount of such losses may exceed the sum insured.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid11100084 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) Where under the same policy a partial loss which has not been repaired or otherw}{\fs24\lang2057\langfe1033\langnp2057\insrsid2187013 i}{
\fs24\lang2057\langfe1033\langnp2057\insrsid5329937 se made good is followed by a to}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 tal loss, the assured can only recover in respect of the total loss.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid11100084 {\fs24\lang2057\langfe1033\langnp2057\insrsid11100084 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (3) Nothing in this section shall aff}{\fs24\lang2057\langfe1033\langnp2057\insrsid9184078 ect the liability of the insure}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 r under the suing and labouring clause.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid11100084 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 77
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid11100084 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid11100084 78. Suing and labouring clause}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid2187013  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid2187013  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) Where the policy contains a suing and labouring clause, }{\fs24\lang2057\langfe1033\langnp2057\insrsid9184078 th}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 e engagement thereby entered into is deemed to be supplementary to the contract of insurance, and the assured may recover from the insurer any expenses properly incur}{
\fs24\lang2057\langfe1033\langnp2057\insrsid15671471 red pursuant to the clause, not}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 withstanding that the insurer may have paid for a total loss, or that the subject-matter}{
\fs24\lang2057\langfe1033\langnp2057\insrsid9184078  may have been warranted free from}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  particular average, either wholly or under a certain percentage.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid11100084 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) General average losses and contributions and salvage charges, as defined by this Act, are not recoverable under the suing and labouring clause.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid11100084 {\fs24\lang2057\langfe1033\langnp2057\insrsid11100084 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (3) Expenses incurred for the purpose of averting or diminishing any loss not c}{
\fs24\lang2057\langfe1033\langnp2057\insrsid11100084 overed by the policy are not recov}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 erable under the suing and labouring clause.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid11100084 {\fs24\lang2057\langfe1033\langnp2057\insrsid11100084 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (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 }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid2187013 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 78
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid11100084 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid11100084 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid11100084 Rights of Insurer on Payment
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid11100084 {\fs24\lang2057\langfe1033\langnp2057\insrsid11100084 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid11100084 79. Right of subrogation}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid2187013  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid2187013  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(1) Where the insurer pays for a total loss either of the whole or, in the case of goods, of any apportionable part of the subject-matter insured, he thereupon becomes entitled to t
ake over the interest of the assured in whatever may remain of the subject-matter so paid for, and he is thereby subrogated to all t}{\fs24\lang2057\langfe1033\langnp2057\insrsid11100084 he rights and remedies of the as}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 sured in and in respect of that subject-matter as from the time of the casualty causing the loss.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid11100084 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) Subject to the foregoing provisions, where the insurer pays for a partial loss he acquires no title to the subject-matter}{\fs24\lang2057\langfe1033\langnp2057\insrsid11100084 
 ins}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 ured, or such part of it as may remain, }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid14050248 but he is thereupon}{
\fs24\lang2057\langfe1033\langnp2057\insrsid7950813\charrsid14050248  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid14050248 subrogated to all rights and remedies of the assured in and in respect of}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  the subject-matter insured as from the time of the casualty causing the loss, in so far as the assured has been indemnified, according to this Act, by such payment for the loss.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid2187013 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 79
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid12802718 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid12802718 80. Right of contribution}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid2187013  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid2187013  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(1) Where the assured is over-insured by double insurance, each insurer is bound, as between himself and the other insurers, to contribute rateably to the loss in proportion to the amount for which he is liable under his contract.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid12802718 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (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 }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid2187013 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 80
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid12802718 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid12802718 81. Effect of under-insurance}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid2187013  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid2187013  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
Where the assured is insured for an amount less than the insurable value, or, in the case of a valued policy, for an amount less than the policy valuation, he is deemed to be his own insurer in respect of the uninsured balance.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid2187013 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 81
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid12802718 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid12802718 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid16610345 Return}{\i\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid12802718  }{
\i\fs24\lang2057\langfe1033\langnp2057\insrsid14050248 o}{\i\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid12802718 f Premium
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid12802718\charrsid3622283 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid12802718 82. Enforcement of return}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid2187013  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid2187013  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Where the premium or a proportionate part thereof is by this Act declared to be returnable,}{
\fs24\lang2057\langfe1033\langnp2057\insrsid9207682  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid12802718 {\fs24\lang2057\langfe1033\langnp2057\insrsid12802718 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid2187013 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (a) If already paid, it may be recovered by the assured from the insurer; and
\par }\pard \ql \fi-720\li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid12802718 
\par }\pard \ql \fi-720\li1440\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin1440\itap0\pararsid2187013 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (b) If unpaid, it may be retained by the assured or his agent.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid2187013 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 82
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid12802718 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid12802718 83. Return by agreement}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid2187013  }{\fs24\lang2057\langfe1033\langnp2057\insrsid12802718 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid2187013  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
Where the policy contains a stipulation for the return of the premium or a proportionate part thereof on the happening of a certain 
event, and that event happens, the premium or, as the case may be, the proportionate part thereof is thereupon returnable to the assured.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid2187013 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 83
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10369415 {\fs24\lang2057\langfe1033\langnp2057\insrsid10369415 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid10369415 84. Return for failure of consideration}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid2187013  }{\fs24\lang2057\langfe1033\langnp2057\insrsid7950813 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid2187013  }{\fs24\lang2057\langfe1033\langnp2057\insrsid7950813 (1) Where the cons}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 ideration 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 t}{\fs24\lang2057\langfe1033\langnp2057\insrsid7950813 hereupon returnable to the assure}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 d.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid10369415 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) Where the consideration for the payment of the premium is apportionable, and there is a tota
l failure of any apportionable part of the consideration, a proportionate part of the premium is under the l}{\fs24\lang2057\langfe1033\langnp2057\insrsid3622283 ike conditions thereupon return}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 able to the assured.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid7950813 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (3) In particular,}{\fs24\lang2057\langfe1033\langnp2057\insrsid9207682  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid10369415 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid7950813 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (a) Where the policy is void, or is avoided by the insurer as from the co
mmencement of the risk, the premium is returnable, provided that there has been no fraud or illegality on the part of the assured; but if the risk is not apportionable, and has once attached}{\fs24\lang2057\langfe1033\langnp2057\insrsid5930629 
, the premium is not returnable;}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10369415 {\fs24\lang2057\langfe1033\langnp2057\insrsid10369415 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid7950813 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (b) Where the subject-matter ins
ured or part thereof has never been imperilled, the premium or, as the case may be, a proportio}{\fs24\lang2057\langfe1033\langnp2057\insrsid2178609 nate part thereof is returnable:}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 

\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10369415 {\fs24\lang2057\langfe1033\langnp2057\insrsid10369415 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid7950813 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
Provided that where the subject-matter has been insured "lost or not lost," and has arrived in safety at the time when the contract is concluded, the premium is not returnable unless at such time the i}{\fs24\lang2057\langfe1033\langnp2057\insrsid5930629 
nsurer knew of the safe arrival;}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10369415 {\fs24\lang2057\langfe1033\langnp2057\insrsid3018199 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid9850623 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (c) Where the assured ha}{\fs24\lang2057\langfe1033\langnp2057\insrsid14749641 
s no insurable interest through}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 out the currency of }{\fs24\lang2057\langfe1033\langnp2057\insrsid14749641 the risk, the premium is return}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 able; provided that this rule does not apply to a policy effect}{\fs24\lang2057\langfe1033\langnp2057\insrsid5930629 ed by way of gaming or wagering;}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid2187013 {\fs24\lang2057\langfe1033\langnp2057\insrsid3018199 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid9850623 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(d) Where the assured has a defeasible interest which is terminated during the currency of the risk, the premium is not returnable}{\fs24\lang2057\langfe1033\langnp2057\insrsid5930629 ;}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid2187013 {\fs24\lang2057\langfe1033\langnp2057\insrsid3018199 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid9850623 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (e) Where the assured has over
insured under an unvalued policy, a proportionate part of the premium is returnable}{\fs24\lang2057\langfe1033\langnp2057\insrsid5930629 ;}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid2187013 {\fs24\lang2057\langfe1033\langnp2057\insrsid3018199 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid9850623 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(f) Subject to the foregoing provisions, where the assured has overinsured by double insurance, a proportionate part of the}{\fs24\lang2057\langfe1033\langnp2057\insrsid5930629  several premiums is returnable:}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid2187013 {\fs24\lang2057\langfe1033\langnp2057\insrsid9850623 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid9850623 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Provided that
 if the policies are effected at different times, and any earlier policy has at any time borne the entire risk, or if a claim has been paid on the policy in respect of the full sum insured thereby, no premium is returnable in respect}{
\fs24\lang2057\langfe1033\langnp2057\insrsid10369415  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 of that policy; and when the double insurance is effected knowingly by the assured, no premium is returnable.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid2187013 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 84}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10369415 {\fs24\lang2057\langfe1033\langnp2057\insrsid10369415\charrsid13072698 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10369415 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid10369415 Mutual Insurance
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10369415 {\fs24\lang2057\langfe1033\langnp2057\insrsid3018199\charrsid15091276 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid3018199 85. Modification of Act in case of mutual insurance}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid2187013  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}
{\fs24\lang2057\langfe1033\langnp2057\insrsid2187013  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (1) Where two or more persons mutually agree to insure each other against marine losses there is said to be a mutual insurance.

\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid10369415 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (2) The provisions of this Act relating to the premium do not apply to mutual insurance, but a guarantee, or such other arrange
ment as may be agreed upon, may be substituted for the premium.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid7950813 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(3) The provisions of this Act, in so far as they may be modified by the agreement of the parties, may in the case of mutual insurance be modified by the terms of the policies issued by the association, or by the rules and regulations of the association.

\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid7950813 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (4) Subject to the exceptions mentioned in this section, the provisions of this Act apply to a mutual insurance.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid2187013 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 85
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid10369415 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid11864319 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid11864319\charrsid11864319 Supplemental}{\i\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid11864319 

\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10369415 {\fs24\lang2057\langfe1033\langnp2057\insrsid11864319\charrsid9517773 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid3018199 86. Ratification by assured}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid2187013  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid2187013  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
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 }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid2187013 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 86
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10369415 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid11864319 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid3018199 87. Implied obligations varied by agreement or usage}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid2187013  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -
}{\fs24\lang2057\langfe1033\langnp2057\insrsid2187013  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
(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 }{\fs24\lang2057\langfe1033\langnp2057\insrsid10369415 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (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 }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid2187013 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907; No. 24, s. 87
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10369415 {\fs24\lang2057\langfe1033\langnp2057\insrsid10369415 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid3018199 88. Reasonable time, etc., a question of fact}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid2187013  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid2187013  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Where by this Act any reference is made to reasonable time, reasonable premium, or reasonable diligen}{
\fs24\lang2057\langfe1033\langnp2057\insrsid11864319 ce, the question what is reason}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 able is a question of fact.
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid11864319 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 88}{\fs24\lang2057\langfe1033\langnp2057\insrsid10369415 

\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10369415 {\fs24\lang2057\langfe1033\langnp2057\insrsid10369415 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid3018199 89. Application of rules of common law}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid2187013  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid2187013  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 The rules of the Common law in
cluding 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 }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid11864319 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Cf. 1907, No. 24, s. 89
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid3018199 {\fs24\lang2057\langfe1033\langnp2057\insrsid3018199 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid14956195 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid11864319\charrsid11864319 90.}{\fs24\lang2057\langfe1033\langnp2057\insrsid14956195  [Repealed 
{\*\xmlopen\xmlns1{\factoidname date}{\xmlattr\xmlattrns0{\xmlattrname Month}{\xmlattrvalue 3}}{\xmlattr\xmlattrns0{\xmlattrname Day}{\xmlattrvalue 11}}{\xmlattr\xmlattrns0{\xmlattrname Year}{\xmlattrvalue 1960}}}3/11/1960{\*\xmlclose} (NZ)]}{
\fs24\lang2057\langfe1033\langnp2057\insrsid11864319\charrsid14956195 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid3018199 {\fs24\lang2057\langfe1033\langnp2057\insrsid11864319 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid2323189 {\lang2057\langfe1033\langnp2057\insrsid12070886 _____}{\fs24\lang2057\langfe1033\langnp2057\insrsid2323189 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid2323189 {\fs24\lang2057\langfe1033\langnp2057\insrsid2323189 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid2323189 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid15091276 SCHEDULES
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid11864319 {\fs24\lang2057\langfe1033\langnp2057\insrsid2323189\charrsid13072698 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid2323189 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid2323189\charrsid15091276 FIRST SCHEDULE}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid8142730 
\par }\pard \qr \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid8142730 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid8142730 Section 1(2)}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid15091276 

\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid11864319 {\fs24\lang2057\langfe1033\langnp2057\insrsid11864319\charrsid13072698 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid2323189 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid2187013 ENACTMENTS CONSOLIDATED
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 1907, No. 24}{\fs24\lang2057\langfe1033\langnp2057\insrsid536925  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 -}{
\fs24\lang2057\langfe1033\langnp2057\insrsid536925  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 The Marine Insurance Act 1907}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid11864319 {\fs24\lang2057\langfe1033\langnp2057\insrsid11864319 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid15091276 {\fs24\lang2057\langfe1033\langnp2057\insrsid12070886 ____}{\fs24\lang2057\langfe1033\langnp2057\insrsid15091276 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid11864319 {\fs24\lang2057\langfe1033\langnp2057\insrsid15091276 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid2323189 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid2323189\charrsid8142730 SECOND SCHE}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid8142730\charrsid8142730 DULE

\par }\pard \qr \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid8142730 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 Section 32
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid11864319 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid2323189 {\b\fs24\lang2057\langfe1033\langnp2057\insrsid2323189\charrsid14777046 RU}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid14777046 LE}{
\b\fs24\lang2057\langfe1033\langnp2057\insrsid2323189\charrsid14777046 S}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid14777046  FOR THE CONSTRUCTION OF POLICIES
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid2323189 
\par The}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  following are th}{\fs24\lang2057\langfe1033\langnp2057\insrsid3605329 e rules referred to by this Act }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
for the construction of a policy where the context does not otherwise require}{\fs24\lang2057\langfe1033\langnp2057\insrsid13446 :}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10703805 {\fs24\lang2057\langfe1033\langnp2057\insrsid10703805 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid1187720 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
1. Where the subject-matter is insured "lost or not lost", and the loss has occurred before the contract is concluded, the risk attaches unless at such time the assured was aware of the loss and the insurer was not.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10703805 {\fs24\lang2057\langfe1033\langnp2057\insrsid10703805 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 2. Where the subject-matter is insured "from" a particular place, the risk does not attach until the ship starts on the voyage insured.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid10703805 
\par }\pard \ql \fi-720\li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid9795118 {\fs24\lang2057\langfe1033\langnp2057\insrsid14050248 3.}{\fs24\lang2057\langfe1033\langnp2057\insrsid9795118 \tab }{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (a) Where a ship is insured "at and from" a particular place, and she is at that place in good safety when the contract is concluded, the risk attaches immediately.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid9795118 {\fs24\lang2057\langfe1033\langnp2057\insrsid10703805 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid9795118 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (b) If she is not at that place when the }{
\fs24\lang2057\langfe1033\langnp2057\insrsid14767549 contract is concluded the risk a}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 ttaches as soon a
s she arrives there in good safety; and, unless the policy otherwise provides, it is immaterial that she is covered by another policy for a specified time after arrival.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10703805 {\fs24\lang2057\langfe1033\langnp2057\insrsid10703805 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid9795118 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 (c) Where chartered freight is insured "at and from" a particular place, and the ship
 is at that place in good safety when the contract is concluded, the risk attaches immediately. If she is not there when the contract is concluded, the risk attaches as soon as she arrives there in good safety.}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10703805 {\fs24\lang2057\langfe1033\langnp2057\insrsid10703805\charrsid13072698 
\par }\pard \ql \li720\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin720\itap0\pararsid9795118 {\fs24\lang2057\langfe1033\langnp2057\insrsid10703805 (}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
d) Where freight other than charter}{\fs24\lang2057\langfe1033\langnp2057\insrsid14749641 ed freight is payable without special}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  conditions, and is insured "at and }{
\fs24\lang2057\langfe1033\langnp2057\insrsid10703805 from" a particular place, the risk}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  attaches }{\i\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid10703805 pro rata}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  as the goods or merchandise are shipped; provided}{\fs24\lang2057\langfe1033\langnp2057\insrsid10703805  }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
that if there is cargo in readiness which belongs to the shipowner, or which some other pe}{\fs24\lang2057\langfe1033\langnp2057\insrsid10703805 rson has contracted with him to }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
ship, the risk attaches as soon as the ship is ready to receive such cargo.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid10703805 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 4. Where goods or other movables are insured "from the loading thereof", the risk does not attach until such goods or movables are actually on bo
ard, and the insurer is not liable for them while in transit from the shore to the ship.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid10703805 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 5. Where the risk on goods or other movables continues until they are "safely landed", they must be landed in the customary manner and within a reasonable time after 
arrival at the port of discharge, and if they are not so landed the risk ceases.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid10703805 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 6. In the absence of any further licence or usage, the liberty to touch and stay "at any port or place whatsoever" does not authorise the ship to depart from the course of he
r voyage from the port of departure to the port of destination.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid10703805 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 7. The term "perils of the seas" refers only to fortuitous accidents or casualties of the seas. It does not include the ordinary action of the winds and waves.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10703805 {\fs24\lang2057\langfe1033\langnp2057\insrsid10703805 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 8. The term "pirates" includes passengers who mutiny and rioters who attack the ship from the shore.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid10703805 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 9. The term "thieves" does not cover c}{\fs24\lang2057\langfe1033\langnp2057\insrsid2187013 landestine theft or a theft com}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 mitted by any one of the ship's compa}{\fs24\lang2057\langfe1033\langnp2057\insrsid10703805 ny, whether crew or passengers.
\par 
\par 10. The term "arrests, etc}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 .}{\fs24\lang2057\langfe1033\langnp2057\insrsid15562517 ,}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698  of kings, prince
s, and people" refers to political or executive acts, and does not include a loss caused by riot or by ordinary judicial process.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid10703805 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 11. The term "barratry" includes }{\fs24\lang2057\langfe1033\langnp2057\insrsid2187013 every wrongful act wilfully com}{
\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 mitted by the master or crew to the prejudice of the owner or, as the case may be, the charterer.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10703805 {\fs24\lang2057\langfe1033\langnp2057\insrsid10703805 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 12. The term "all other perils" includes only perils similar in kind to the perils specifically mentioned in the policy.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid10703805 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 13. T}{\fs24\lang2057\langfe1033\langnp2057\insrsid10703805 he term "average unless general"}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
 means a partial loss of the subject-matter insured other than a general average loss, and does not include "particular charges".
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10703805 {\fs24\lang2057\langfe1033\langnp2057\insrsid10703805 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 14. When a policy contains the words "warranted free from particular average unless the ship is stranded, sunk, or burnt", 
or any similar expression, and any such accident has happened to the ship, the insurer is liable for the excepted losses, although the loss is not attributable to such accident, provided that when the accident occurs the risk has attached and (if the poli
cy is on goods) the damaged goods are on board.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid13072698 {\fs24\lang2057\langfe1033\langnp2057\insrsid10703805 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
15. The term "ship" 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 tr
ade; and also, in the case of a steamship, the machinery, boilers, and coals and engine stores, if owned by the assured.
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid10703805 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 16. The term "freight" includes the profit derivable by a shipowner from the employment of his ship to carry his own goods or movables
, as well as freight payable by a third party, but does not include passage money.
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid10703805 {\fs24\lang2057\langfe1033\langnp2057\insrsid10703805 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid9067126 17. The term "goods" mean}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 s goods in the nature of merchandise, and does not include personal effects or provisio}{
\fs24\lang2057\langfe1033\langnp2057\insrsid5770143 ns and stores for use on board.
\par 
\par }\pard \ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid2187013 {\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 18. In the absence of any u
sage to the contrary, deck cargo and living animals must be insured specifically, and}{\fs24\lang2057\langfe1033\langnp2057\insrsid10703805  not under the general denomina}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698\charrsid13072698 
tion of goods.}{\fs24\lang2057\langfe1033\langnp2057\insrsid13072698 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid2187013 
\par }\pard \qc \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid2187013 {\fs24\lang2057\langfe1033\langnp2057\insrsid11354771 ------------------}{\fs24\lang2057\langfe1033\langnp2057\insrsid2187013\charrsid13072698 
\par }}