{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff39\deff0\stshfdbch0\stshfloch0\stshfhich0\stshfbi0\deflang1033\deflangfe1033\themelang1033\themelangfe0\themelangcs0{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f1\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604020202020204}Arial;}
{\f1\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604020202020204}Arial;}{\f39\fbidi \froman\fcharset0\fprq2{\*\panose 02040604050505020304}NewCenturySchlbk{\*\falt Century Schoolbook};}
{\f40\fbidi \froman\fcharset0\fprq2{\*\panose 02040604050505020304}Century Schoolbook;}{\flomajor\f31500\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\fdbmajor\f31501\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\fhimajor\f31502\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0302020204030204}Calibri Light;}
{\fbimajor\f31503\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\flominor\f31504\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\fdbminor\f31505\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\fhiminor\f31506\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}
{\fbiminor\f31507\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f298\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\f299\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\f301\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\f302\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\f303\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\f304\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\f305\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\f306\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\f308\fbidi \fswiss\fcharset238\fprq2 Arial CE;}{\f309\fbidi \fswiss\fcharset204\fprq2 Arial Cyr;}
{\f311\fbidi \fswiss\fcharset161\fprq2 Arial Greek;}{\f312\fbidi \fswiss\fcharset162\fprq2 Arial Tur;}{\f313\fbidi \fswiss\fcharset177\fprq2 Arial (Hebrew);}{\f314\fbidi \fswiss\fcharset178\fprq2 Arial (Arabic);}
{\f315\fbidi \fswiss\fcharset186\fprq2 Arial Baltic;}{\f316\fbidi \fswiss\fcharset163\fprq2 Arial (Vietnamese);}{\f308\fbidi \fswiss\fcharset238\fprq2 Arial CE;}{\f309\fbidi \fswiss\fcharset204\fprq2 Arial Cyr;}
{\f311\fbidi \fswiss\fcharset161\fprq2 Arial Greek;}{\f312\fbidi \fswiss\fcharset162\fprq2 Arial Tur;}{\f313\fbidi \fswiss\fcharset177\fprq2 Arial (Hebrew);}{\f314\fbidi \fswiss\fcharset178\fprq2 Arial (Arabic);}
{\f315\fbidi \fswiss\fcharset186\fprq2 Arial Baltic;}{\f316\fbidi \fswiss\fcharset163\fprq2 Arial (Vietnamese);}{\f698\fbidi \froman\fcharset238\fprq2 Century Schoolbook CE;}{\f699\fbidi \froman\fcharset204\fprq2 Century Schoolbook Cyr;}
{\f701\fbidi \froman\fcharset161\fprq2 Century Schoolbook Greek;}{\f702\fbidi \froman\fcharset162\fprq2 Century Schoolbook Tur;}{\f705\fbidi \froman\fcharset186\fprq2 Century Schoolbook Baltic;}
{\flomajor\f31508\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\flomajor\f31509\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\flomajor\f31511\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}
{\flomajor\f31512\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\flomajor\f31513\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\flomajor\f31514\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\flomajor\f31515\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\flomajor\f31516\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fdbmajor\f31518\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\fdbmajor\f31519\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fdbmajor\f31521\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fdbmajor\f31522\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\fdbmajor\f31523\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fdbmajor\f31524\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fdbmajor\f31525\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\fdbmajor\f31526\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fhimajor\f31528\fbidi \fswiss\fcharset238\fprq2 Calibri Light CE;}{\fhimajor\f31529\fbidi \fswiss\fcharset204\fprq2 Calibri Light Cyr;}
{\fhimajor\f31531\fbidi \fswiss\fcharset161\fprq2 Calibri Light Greek;}{\fhimajor\f31532\fbidi \fswiss\fcharset162\fprq2 Calibri Light Tur;}{\fhimajor\f31535\fbidi \fswiss\fcharset186\fprq2 Calibri Light Baltic;}
{\fhimajor\f31536\fbidi \fswiss\fcharset163\fprq2 Calibri Light (Vietnamese);}{\fbimajor\f31538\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fbimajor\f31539\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\fbimajor\f31541\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fbimajor\f31542\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fbimajor\f31543\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\fbimajor\f31544\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbimajor\f31545\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fbimajor\f31546\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}
{\flominor\f31548\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\flominor\f31549\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\flominor\f31551\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}
{\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fdbminor\f31558\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\fdbminor\f31559\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fdbminor\f31561\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fdbminor\f31562\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\fdbminor\f31563\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fdbminor\f31564\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fdbminor\f31565\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\fdbminor\f31566\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fhiminor\f31568\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}{\fhiminor\f31569\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}
{\fhiminor\f31571\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\fhiminor\f31572\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}{\fhiminor\f31575\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}
{\fhiminor\f31576\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\fbiminor\f31578\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fbiminor\f31579\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\fbiminor\f31581\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fbiminor\f31582\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fbiminor\f31583\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\fbiminor\f31584\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbiminor\f31585\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fbiminor\f31586\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}}
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\red128\green0\blue128;\red128\green0\blue0;\red128\green128\blue0;\red128\green128\blue128;\red192\green192\blue192;\red255\green255\blue255;}{\*\defchp \fs22 }{\*\defpap \ql \li0\ri0\sa160\sl259\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 }\noqfpromote {\stylesheet{\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \snext0 \sqformat \spriority0 Normal;}{\s1\qj \li0\ri0\sb240\sa60\keepn\widctlpar\wrapdefault\nooverflow\faroman\outlinelevel0\rin0\lin0\itap0 \rtlch\fcs1 \ab\af31503\afs32\alang1025 \ltrch\fcs0 
\b\fs32\lang3081\langfe1033\kerning32\loch\f31502\hich\af31502\dbch\af31501\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext0 \slink133 \sqformat \spriority9 heading 1;}{\*\cs10 \additive \ssemihidden Default Paragraph Font;}{\*
\ts11\tsrowd\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblind0\tblindtype3\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv \ql \li0\ri0\sa160\sl259\slmult1
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\s17\qj \fi-720\li3110\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin3110\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon110 \snext17 Penalty Sub Para;}{\*\cs18 
\additive \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf13 \sbasedon10 AlternativeEnd;}{\*\cs19 \additive \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf13 \sbasedon10 AlternativeStart;}{\s20\qc \li0\ri0\sb240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 
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\ab\af39\afs24\alang1025 \ltrch\fcs0 \b\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext21 Amendments;}{\s22\qc \li0\ri0\sb480\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 
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\ai\af0 \ltrch\fcs0 \i \sbasedon10 Bill Position;}{\s26\qr \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 \f39\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext26 
Bill Signature;}{\s27\qc \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ai\af39\afs26\alang1025 \ltrch\fcs0 \i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext27 Brought In By;}{
\s28\qc \li0\ri0\sb480\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs30\alang1025 \ltrch\fcs0 \b\caps\f39\fs30\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext28 Chapter First;}{\*\cs29 
\additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf9 \sbasedon10 Chapter No;}{\s30\qc \li0\ri0\sb240\keepn\pagebb\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs30\alang1025 \ltrch\fcs0 
\b\caps\f39\fs30\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon28 \snext30 Chapter Rest;}{\s31\qj \li720\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext31 Charge;}{\s32\qj \li1800\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1800\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
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\b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext33 Clause Headnote;}{\*\cs34 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf9 \sbasedon10 Clause No;}{\s35\qj \fi-1843\li1843\ri0\sa120\widctlpar
\tx576\wrapdefault\nooverflow\faroman\rin0\lin1843\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\cf11\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext35 Client Note;}{\s36\qj \li0\ri0\widctlpar\brdrt
\brdrs\brdrw15\brsp20 \wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs18\alang1025 \ltrch\fcs0 \b\caps\f39\fs18\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext36 Cognate;}{
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\ltrch\fcs0 \cf3 \sbasedon10 Date1;}{\s39\qc \li0\ri0\sb480\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs22\alang1025 \ltrch\fcs0 \b\caps\f39\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext39 Deed;}{\s40\qc \li0\ri0\sb240\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon56 \snext40 Deed Graphic;}
{\*\cs41 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf9 \sbasedon10 Deed No;}{\s42\qj \fi-720\li2160\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext42 Definition Paragraph;}{\s43\qj \fi-720\li2880\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2880\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon42 \snext43 Definition Sub Paragraph;}{\s44\qj \fi-731\li3611\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin3611\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext44 Definition Sub Sub Paragraph;}{\*\cs45 \additive \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\cf11 \sbasedon10 Definition Term;}{
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\s47\qc \li0\ri0\sb240\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext47 Division;}{\*\cs48 \additive 
\rtlch\fcs1 \af0 \ltrch\fcs0 \cf9 \sbasedon10 Division No;}{\s49\qj \li-1701\ri0\widctlpar\tqr\tx8789\wrapdefault\nooverflow\faroman\rin0\lin-1701\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext49 \slink50 footer;}{\*\cs50 \additive \rtlch\fcs1 \af39\afs26 \ltrch\fcs0 \f39\fs26\lang3081\langfe0\langnp3081 \sbasedon10 \slink49 \slocked \ssemihidden Footer Char;}{\*\cs51 
\additive \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf12 \sbasedon10 Foreign;}{\s52\qc \li0\ri0\sb480\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs22\alang1025 \ltrch\fcs0 
\b\caps\f39\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext52 Form;}{\s53\qc \li0\ri0\sb240\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon56 \snext53 Form Graphic;}{\*\cs54 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf9 \sbasedon10 Form No;}{
\s55\qc \li0\ri0\sb240\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext55 Formula;}{
\s56\qc \li0\ri0\sb240\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext56 Graphic;}{
\s57\qj \li0\ri0\sb480\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext57 Graphic Description;}{
\s58\qj \li0\ri0\sb480\sa240\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext58 Head Note;}{
\s59\qj \li0\ri0\widctlpar\tqc\tx4153\tqr\tx8306\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext59 \slink60 header;}{\*\cs60 
\additive \rtlch\fcs1 \af39\afs26 \ltrch\fcs0 \f39\fs26\lang3081\langfe0\langnp3081 \sbasedon10 \slink59 \slocked \ssemihidden Header Char;}{\s61\qj \li0\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 
\ai\af39\afs26\alang1025 \ltrch\fcs0 \i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext61 Image;}{\s62\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext62 Image Description;}{\*\cs63 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf9 \sbasedon10 Image No;}{\*\cs64 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf0 \sbasedon10 Image Type;}{\*
\cs65 \additive \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\cf9 \sbasedon10 Item No;}{\s66\qj \li0\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 
\b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext66 Long Title;}{\s67\qj \li0\ri0\sa240\widctlpar
\tx144\tx288\tx432\tx576\tx720\tx864\tx1008\tx1152\tx1296\tx1440\tx1584\tx1728\tx1872\tx2016\tx2160\tx2304\tx2448\tx2592\tx2736\tx2880\tx3024\tx3168\tx3312\tx3456\tx3600\tx3744\tx3888\tx4032\tx4176\tx4320\tx4464\tx4608\tx4752\tx4896\tx5040
\tx5184\tx5328\tx5472\tx5616\tx5760\tx5904\tx6048\tx6192\tx6336\tx6480\tx6624\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext67 
Oath;}{\s68\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext68 Order;}{\*\cs69 \additive \rtlch\fcs1 \ab\af0 
\ltrch\fcs0 \b\caps \sbasedon10 Order No;}{\s70\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 \f39\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext70 
Originating;}{\s71\qj \li1440\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext71 Out Def;}{
\s72\qj \li2160\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext72 Out Def Para;}{
\s73\qj \li2880\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2880\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext73 Out Def Sub Para;}{
\s74\qj \li3600\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin3600\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext74 Out Def Sub Sub Para;}{
\s75\qj \li1440\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext75 Out Para;}{
\s76\qj \li0\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext76 Out Section;}{
\s77\qj \li2160\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext77 Out Sub Para;}{
\s78\qj \li0\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext78 Out Sub Section;}{
\s79\qj \li2880\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2880\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext79 Out Sub Sub Para;}{\*\cs80 \additive 
\rtlch\fcs1 \af0 \ltrch\fcs0 \sbasedon10 page number;}{\s81\qj \fi-720\li1440\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext81 Paragraph;}{\*\cs82 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf9 \sbasedon10 Paragraph No;}{\s83\qc \li0\ri0\sb480\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 
\b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext83 Part First;}{\*\cs84 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf9 \sbasedon10 Part No;}{
\s85\qc \li0\ri0\sb240\keepn\pagebb\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon83 \snext85 Part Rest;}{
\s86\qc \li0\ri0\sb480\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs22\alang1025 \ltrch\fcs0 \b\caps\f39\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon83 \snext86 Part Schedule;}{
\s87\qj \fi-1083\li1797\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext87 Penalty;}{
\s88\qj \fi-576\li2376\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2376\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon87 \snext88 Penalty Para;}{
\s89\qj \li0\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext89 Preamble Text;}{
\s90\qj \fi-1987\li1987\ri0\sa120\widctlpar\tx576\wrapdefault\nooverflow\faroman\rin0\lin1987\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\cf12\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext90 Private Note;}
{\s91\qj \li0\ri0\sa240\widctlpar\tx720\tx1166\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext91 Qualifying Text;}{\*\cs92 
\additive \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf13 \sbasedon10 RefAct;}{\*\cs93 \additive \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf13 \sbasedon10 RefCase;}{\*\cs94 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf11 \sbasedon10 RefDefTerm;}{\*\cs95 \additive 
\rtlch\fcs1 \af0 \ltrch\fcs0 \cf13 \sbasedon10 RefExternal;}{\*\cs96 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf13 \sbasedon10 RefInternal;}{\*\cs97 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf13 \sbasedon10 RefStandard;}{\*\cs98 \additive \rtlch\fcs1 
\ai\af0 \ltrch\fcs0 \i\cf13 \sbasedon10 RefStatutory;}{\s99\qc \li0\ri0\sb240\pagebb\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 
\b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext99 Schedule;}{\*\cs100 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf9 \sbasedon10 Schedule No;}{
\s101\qr \li0\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext101 Schedule SectRef;}{\*\cs102 \additive 
\rtlch\fcs1 \af0 \ltrch\fcs0 \cf9 \sbasedon10 Section No;}{\*\cs103 \additive \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf13 \sbasedon10 Short Title;}{\s104\qc \li0\ri0\sa480\sl-360\slmult0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 
\ab\af39\afs30\alang1025 \ltrch\fcs0 \b\caps\f39\fs30\cf15\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext104 Short Title Heading;}{\s105\qc \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 
\ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\cf15\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext105 Short Title No;}{\s106\qc \li0\ri0\sb480\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 
\af39\afs26\alang1025 \ltrch\fcs0 \caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext106 State;}{\*\cs107 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf12 \sbasedon10 StatOffice;}{\*\cs108 \additive \rtlch\fcs1 \ab\af0 
\ltrch\fcs0 \b\cf9 \sbasedon10 Sub Clause No;}{\s109\qc \li0\ri0\sb240\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext109 Sub Division;}{\s110\qj \fi-720\li2160\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext110 Sub Paragraph;}{\*\cs111 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf9 \sbasedon10 Sub Paragraph No;}{\s112\qj \fi720\li0\ri0\sa240\widctlpar\tx1170\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 
\ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext112 Sub Section;}{\*\cs113 \additive \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\cf9 \sbasedon10 Sub Section No;}{
\s114\qj \fi-720\li2880\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2880\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext114 Sub Sub Paragraph;}{\*\cs115 
\additive \rtlch\fcs1 \af0 \ltrch\fcs0 \caps\cf9 \sbasedon10 Sub Sub Paragraph No;}{\*\cs116 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf9 \sbasedon10 Subdivision No;}{\*\cs117 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \super \sbasedon10 Super;}{\*\cs118 
\additive \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b \sbasedon10 Table Bold;}{\*\cs119 \additive \rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i \sbasedon10 Table Bold Italic;}{\s120\qj \li0\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 
\af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext120 Table Content;}{\*\cs121 \additive \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i \sbasedon10 Table Italic;}{\*\cs122 \additive \rtlch\fcs1 \af0 
\ltrch\fcs0 \cf9 \sbasedon10 Table Item No;}{\s123\qc \li0\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext123 
Table Title;}{\s124\qj \li0\ri0\sb240\keepn\widctlpar\tqr\tx7087\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext124 \sautoupd \ssemihidden toc 1;}{\s125\qj \fi-720\li2534\ri-45\sb120\keepn\widctlpar\tx720\tqr\tx7087\wrapdefault\nooverflow\faroman\rin-45\lin2534\itap0 \rtlch\fcs1 \ab\ai\af39\afs24\alang1025 \ltrch\fcs0 
\b\i\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext125 \sautoupd \ssemihidden toc 2;}{\s126\qj \fi-720\li720\ri-43\sb120\widctlpar\tx1080\tx1440\tqr\tx7087\wrapdefault\nooverflow\faroman\rin-43\lin720\itap0 \rtlch\fcs1 
\af39\afs24\alang1025 \ltrch\fcs0 \f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext126 \sautoupd \ssemihidden toc 3;}{\s127\qj \fi-720\li1559\ri-45\sb120\widctlpar\tqr\tx7087\wrapdefault\nooverflow\faroman\rin-45\lin1559\itap0 
\rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext127 \sautoupd \ssemihidden toc 4;}{\s128\qj \fi-720\li1967\ri0\sb120\widctlpar
\tqr\tx7087\wrapdefault\nooverflow\faroman\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext128 \sautoupd \ssemihidden toc 5;}{
\s129\qj \li907\ri-29\widctlpar\tqr\tx6660\tqr\tx7087\wrapdefault\nooverflow\faroman\rin-29\lin907\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext129 \sautoupd \ssemihidden 
toc 6;}{\s130\qj \fi-720\li1627\ri-29\widctlpar\tx1987\tx3067\tqr\tx7087\wrapdefault\nooverflow\faroman\rin-29\lin1627\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext130 \sautoupd \ssemihidden toc 7;}{\s131\qj \fi-720\li1080\ri0\sb120\widctlpar\tx1080\tx1440\tx1800\tx2160\tx7087\wrapdefault\nooverflow\faroman\rin0\lin1080\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 
\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext131 \sautoupd \ssemihidden toc 8;}{\s132\qj \li2080\ri0\widctlpar\tqr\tx7087\wrapdefault\nooverflow\faroman\rin0\lin2080\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 
\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext132 \sautoupd \ssemihidden toc 9;}{\*\cs133 \additive \rtlch\fcs1 \ab\af31503\afs32 \ltrch\fcs0 
\b\fs32\lang3081\langfe0\kerning32\loch\f31502\hich\af31502\dbch\af31501\langnp3081 \sbasedon10 \slink1 \slocked \spriority9 Heading 1 Char;}{\s134\qc \li0\ri0\sb480\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 
\ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\cf15\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext134 \sqformat TOC Heading;}{\*\cs135 \additive \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\cf15 \sbasedon10 zActNumber;}{\*\cs136 \additive 
\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\cf15 \sbasedon10 zActYear;}{\s137\qr \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext137 zAssentDate;}{\s138\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\cf15\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext138 
zBillNumber;}{\s139\qj \li0\ri0\widctlpar\pvpara\posy1440\dxfrtext187\dfrmtxtx187\dfrmtxty0\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ai\af39\afs20\alang1025 \ltrch\fcs0 \i\f39\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext139 zSecondReading;}{\s140\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext140 AdminDep;}{
\s141\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext141 CertifyLaw Text;}{
\s142\qc \li0\ri0\sb120\sa240\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ai\af39\afs26\alang1025 \ltrch\fcs0 \i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext142 Conditions;}{
\s143\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext143 ConfirmGov;}{
\s144\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext144 Execution Text;}{
\s145\qc \li0\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext145 Explain Heading;}{
\s146\qj \li0\ri0\sa240\widctlpar\tx720\tx1166\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon91 \snext146 Explain Note;}{
\s147\qc \li0\ri0\sa240\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ai\af39\afs26\alang1025 \ltrch\fcs0 \i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext147 Explain Note Note;}{
\s148\qj \li0\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext148 GazetteDate;}{
\s149\qc \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext149 GenConditions;}{
\s150\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext150 GovernorSig Text;}{
\s151\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext151 MinisterSig Text;}{
\s152\qj \li0\ri0\sa240\keep\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext152 Opening Words;}{
\s153\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext153 Seal;}{
\s154\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext154 SR Date;}{
\s155\qr \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext155 SR Position;}{
\s156\qj \li0\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext156 SR Printed;}{
\s157\qr \li0\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext157 SR Signature;}{\*\cs158 \additive 
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i \sbasedon10 Tariff;}{\s159\qc \li0\ri0\sb480\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 
\b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext159 Tariff Group;}{\s160\qj \li0\ri0\sb480\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 
\b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext160 Tariff Heading;}{\*\cs161 \additive \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\caps\cf9 \sbasedon10 Tariff No;}{
\s162\qc \li0\ri0\sb480\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext162 TariffList Heading;}{
\s163\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext163 TariffList Text;}{
\s164\qj \fi-1080\li2520\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2520\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext164 Amd Charge;}{
\s165\qc \li720\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext165 Amd Division;}{
\s166\qj \li720\ri0\sb480\sa240\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext166 Amd Head Note;}{\*\cs167 
\additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf5 \sbasedon10 Amd Number;}{\*\cs168 \additive \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\cf5 \sbasedon10 Amd Number Bold;}{\*\cs169 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \caps\cf5 \sbasedon10 Amd Number Cap;}{
\s170\qc \li720\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext170 Amd Part;}{
\s171\qj \li1440\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext171 Amd Penalty;}{
\s172\qc \li720\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext172 Amd Schedule;}{
\s173\qj \li3240\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin3240\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext173 Amd1 Charge;}{
\s174\qc \li1440\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon47 \snext174 Amd1 Division;}{
\s175\qj \li1440\ri0\sb480\sa240\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon166 \snext175 Amd1 Head Note;}{
\s176\qc \li1440\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon170 \snext176 Amd1 Part;}{
\s177\qj \li2160\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext177 Amd1 Penalty;}{
\s178\qc \li1440\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon172 \snext178 Amd1 Schedule;}{
\s179\qj \li720\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext179 Indent 0.5;}{
\s180\qj \li1440\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon179 \snext180 Indent 1.0;}{
\s181\qj \li2160\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon180 \snext181 Indent 1.5;}{
\s182\qj \fi720\li720\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext182 Indent 1st 0.5;}{
\s183\qj \fi720\li1440\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon182 \snext183 Indent 1st 1.0;}{
\s184\qj \fi720\li2160\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon183 \snext184 Indent 1st 1.5;}{
\s185\qj \fi720\li2880\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2880\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon184 \snext185 Indent 1st 2.0;}{
\s186\qj \fi720\li3600\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin3600\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon185 \snext186 Indent 1st 2.5;}{
\s187\qj \li2880\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2880\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon181 \snext187 Indent 2.0;}{
\s188\qj \li3600\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin3600\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon187 \snext188 Indent 2.5;}{
\s189\qj \fi-720\li1440\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext189 Indent Hng 0.5;}{
\s190\qj \fi-720\li2160\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext190 Indent Hng 1.0;}{
\s191\qj \fi-720\li2880\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2880\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon190 \snext191 Indent Hng 1.5;}{
\s192\qj \fi-720\li3600\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin3600\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon191 \snext192 Indent Hng 2.0;}{
\s193\qj \fi-720\li4320\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin4320\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon192 \snext193 Indent Hng 2.5;}{
\s194\qj \fi-720\li720\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \f39\fs24\cf15\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext194 TOC Entry;}{\*\cs195 \additive 
\rtlch\fcs1 \ab\af0\afs30 \ltrch\fcs0 \b\caps\fs30\cf15 \sbasedon10 Year;}{\s196\qj \li0\ri0\widctlpar\pvpg\posy15593\dxfrtext187\dfrmtxtx187\dfrmtxty0\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf15\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext196 zDocumentStamp;}{\s197\qj \li0\ri0\widctlpar\pvpg\posy720\dxfrtext187\dfrmtxtx187\dfrmtxty0\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 
\af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext197 zDraftNotice;}{
\s198\qj \li0\ri0\widctlpar\pvpg\posxc\posy14912\dxfrtext187\dfrmtxtx187\dfrmtxty0\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 \f39\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext198 zGovPrintImp;}{\*\cs199 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \caps \sbasedon10 ShortTitleHeadEnd;}{\s200\qj \li0\ri0\widctlpar\pvpg\posy284\dxfrtext181\dfrmtxtx181\dfrmtxty181\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 
\rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 \f39\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon197 \snext200 zConsolidate;}{\s201\qj \fi-1080\li2520\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2520\itap0 \rtlch\fcs1 
\af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon87 \snext201 Para Penalty;}{\s202\qj \fi-576\li3096\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin3096\itap0 \rtlch\fcs1 
\af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon87 \snext202 Para Penalty Para;}{\s203\qj \fi-720\li2160\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2160\itap0 \rtlch\fcs1 
\af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext203 Para Definition Text;}{\s204\qj \fi-720\li2880\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2880\itap0 \rtlch\fcs1 
\af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext204 Sub Para Def Text;}{\s205\qj \fi-720\li3600\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin3600\itap0 \rtlch\fcs1 
\af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext205 Sub Sub Para Def Text;}{\*\cs206 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \sub \sbasedon10 Sub;}{
\s207\qj \li720\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext207 CounterSigText;}{
\s208\qc \li720\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs30\alang1025 \ltrch\fcs0 \b\caps\f39\fs30\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon28 \snext208 Amd Chapter;}{
\s209\qc \li1440\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \ab\af39\afs30\alang1025 \ltrch\fcs0 \b\caps\f39\fs30\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon208 \snext209 Amd1 Chapter;}{
\s210\qc \li720\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon109 \snext210 Amd SubDivision;}{
\s211\qc \li1440\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon210 \snext211 Amd1 SubDivision;}{
\s212\qc \li720\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs22\alang1025 \ltrch\fcs0 \b\caps\f39\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon39 \snext212 Amd Deed;}{
\s213\qc \li1440\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \ab\af39\afs22\alang1025 \ltrch\fcs0 \b\caps\f39\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon212 \snext213 Amd1 Deed;}{
\s214\qc \li720\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs22\alang1025 \ltrch\fcs0 \b\caps\f39\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon52 \snext214 Amd Form;}{
\s215\qc \li1440\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \ab\af39\afs22\alang1025 \ltrch\fcs0 \b\caps\f39\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon214 \snext215 Amd1 Form;}{
\s216\qj \li720\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \ai\af39\afs26\alang1025 \ltrch\fcs0 \i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon61 \snext216 Amd Image;}{
\s217\qj \li1440\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \ai\af39\afs26\alang1025 \ltrch\fcs0 \i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon216 \snext217 Amd1 Image;}{
\s218\qj \li1440\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon31 \snext218 Para Charge;}{
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\s227\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 \f40\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext227 Graphic Text;}{\*\cs228 \additive 
\rtlch\fcs1 \af0 \ltrch\fcs0 \cf11 \sbasedon10 Client Note No;}{\s229\qj \li1843\ri0\sa120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1843\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 
\b\i\f39\fs26\cf11\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext229 Client Note Text;}{\s230\qj \li1987\ri0\sa120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1987\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 
\ltrch\fcs0 \b\i\f39\fs26\cf12\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext230 Private Note Text;}{\*\cs231 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf12 \sbasedon10 Private Note No;}{\s232\qj \fi-691\li691\ri0\sa240\widctlpar
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\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext237 Proviso;}}{\*\revtbl {Unknown;}}{\*\rsidtbl \rsid3870932\rsid7026769\rsid12013528\rsid13833723\rsid15093073}{\mmathPr\mmathFont34\mbrkBin0\mbrkBinSub0\msmallFrac0\mdispDef1\mlMargin0\mrMargin0
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\b0\fs24\cf0\insrsid7026769 .
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\ltrch\fcs0 \i\caps0\fs24\cf0\insrsid7026769 Marine Insurance Act (Adopted).
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Certified on:    /   /20   .
\par 
\par INDEPENDENT STATE OF PAPUA NEW GUINEA.
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\b0\caps0\insrsid7026769 1.\tab Interpretation.
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\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid7026769 \'93movables\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid7026769  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid7026769 \'93partial loss\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid7026769  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid7026769 \'93particular average loss\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid7026769  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid7026769 \'93particular charges\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid7026769  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid7026769 \'93policy\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid7026769  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid7026769 \'93promissory warranty\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid7026769  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid7026769 \'93salvage charges\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid7026769  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid7026769 \'93time policy\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid7026769  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid7026769 \'93total loss\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid7026769  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid7026769 \'93unvalued policy\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid7026769  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid7026769 \'93valued policy\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid7026769  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid7026769 \'93voyage policy\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid7026769  
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid7026769 2.\tab Application.
\par 3.\tab Saving of common law rules.
\par }\pard\plain \ltrpar\s128\qj \fi-720\li1967\ri0\sb60\widctlpar\wrapdefault\faauto\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\b\insrsid7026769 PART II \endash  MARINE INSURANCE.
\par }\pard\plain \ltrpar\s125\qj \fi-720\li2534\ri0\widctlpar\wrapdefault\faauto\rin0\lin2534\itap0 \rtlch\fcs1 \ab\ai\af39\afs24\alang1025 \ltrch\fcs0 \b\i\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39 \ltrch\fcs0 
\insrsid7026769 Division 1 \endash  Limits of Marine Insurance.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid7026769 4.\tab Mixed sea and land risks.
\par 5.\tab Insurance of marine adventures.
\par }\pard\plain \ltrpar\s125\qj \fi-720\li2534\ri0\widctlpar\wrapdefault\faauto\rin0\lin2534\itap0 \rtlch\fcs1 \ab\ai\af39\afs24\alang1025 \ltrch\fcs0 \b\i\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39 \ltrch\fcs0 
\insrsid7026769 Division 2 \endash  Insurable Interests.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid7026769 6.\tab Gaming or wagering contracts.
\par 7.\tab Insurable interests.
\par 8.\tab Time of attachment of interest.
\par 9.\tab Defeasible or contingent interests.
\par 10.\tab Partial interests.
\par 11.\tab Re-insurance.
\par 12.\tab Bottomry.
\par 13.\tab Master\rquote s and seamen\rquote s wages.
\par 14.\tab Advance freight.
\par 15.\tab Charges of insurance.
\par 16.\tab Quantum of interest.
\par 17.\tab Assignment of interests.
\par }\pard\plain \ltrpar\s125\qj \fi-720\li2534\ri0\widctlpar\wrapdefault\faauto\rin0\lin2534\itap0 \rtlch\fcs1 \ab\ai\af39\afs24\alang1025 \ltrch\fcs0 \b\i\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39 \ltrch\fcs0 
\insrsid7026769 Division 3 \endash  Disclosure and Representations.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid7026769 18.\tab Requirement of good faith.
\par 19.\tab Disclosure by assured.
\par 20.\tab Disclosure by agent effecting insurance.
\par 21.\tab Representations pending negotiation of contract.
\par 22.\tab Conclusion of contract.
\par }\pard\plain \ltrpar\s125\qj \fi-720\li2534\ri0\widctlpar\wrapdefault\faauto\rin0\lin2534\itap0 \rtlch\fcs1 \ab\ai\af39\afs24\alang1025 \ltrch\fcs0 \b\i\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39 \ltrch\fcs0 
\insrsid7026769 Division 4 \endash  The Policy.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid7026769 23.\tab Embodiment of contract in policy.
\par 24.\tab Contents of policy.
\par 25.\tab Signature of insurer.
\par 26.\tab Voyage and time policies.
\par 27.\tab Designation of subject-matter.
\par 28.\tab Valued and unvalued policies.
\par 29.\tab Valued policies.
\par 30.\tab Unvalued policies.
\par 31.\tab Floating policies.
\par 32.\tab Form of marine policies.
\par 33.\tab Premiums left to be arranged.
\par }\pard\plain \ltrpar\s125\qj \fi-720\li2534\ri0\widctlpar\wrapdefault\faauto\rin0\lin2534\itap0 \rtlch\fcs1 \ab\ai\af39\afs24\alang1025 \ltrch\fcs0 \b\i\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39 \ltrch\fcs0 
\insrsid7026769 Division 5 \endash  Double Insurance.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid7026769 34.\tab Double insurance.
\par }\pard\plain \ltrpar\s125\qj \fi-720\li2534\ri0\widctlpar\wrapdefault\faauto\rin0\lin2534\itap0 \rtlch\fcs1 \ab\ai\af39\afs24\alang1025 \ltrch\fcs0 \b\i\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39 \ltrch\fcs0 
\insrsid7026769 Division 6 \endash  Warranties.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid7026769 35.\tab Interpretation of Division 6.
\par 36.\tab Nature of warranty.
\par 37.\tab Effect of non-compliance.
\par 38.\tab Excuse for breach of warranty.
\par 39.\tab Express warranties.
\par 40.\tab Warranty of neutrality.
\par 41.\tab Implied warranty of nationality.
\par 42.\tab Warranty of good safety.
\par 43.\tab Warranty of seaworthiness of ship.
\par 44.\tab Implied warranties in policies on movables.
\par 45.\tab Warranty of legality.
\par }\pard\plain \ltrpar\s125\qj \fi-720\li2534\ri0\widctlpar\wrapdefault\faauto\rin0\lin2534\itap0 \rtlch\fcs1 \ab\ai\af39\afs24\alang1025 \ltrch\fcs0 \b\i\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39 \ltrch\fcs0 
\insrsid7026769 Division 7 \endash  The Voyage.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid7026769 46.\tab Implied condition as to commencement of risk.
\par 47.\tab Alteration of port of departure.
\par 48.\tab Alteration of destination.
\par 49.\tab Change of voyage.
\par 50.\tab Deviation.
\par 51.\tab Several ports of discharge.
\par 52.\tab Delay in voyage.
\par 53.\tab Excuses for deviation or delay.
\par }\pard\plain \ltrpar\s128\qj \fi-720\li1967\ri0\sb60\widctlpar\wrapdefault\faauto\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\b\insrsid7026769 PART III \endash  ASSIGNMENT OF POLICIES.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid7026769 54.\tab Assignment of policy.
\par 55.\tab Assignment by assured who has no interest.
\par }\pard\plain \ltrpar\s128\qj \fi-720\li1967\ri0\sb60\widctlpar\wrapdefault\faauto\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\b\insrsid7026769 PART IV \endash  PREMIUMS.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid7026769 56.\tab When premium payable.
\par 57.\tab Policy effected through broker.
\par 58.\tab Effect of receipt on policy.
\par }\pard\plain \ltrpar\s128\qj \fi-720\li1967\ri0\sb60\widctlpar\wrapdefault\faauto\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\b\insrsid7026769 PART V \endash  LOSS AND ABANDONMENT.
\par }\pard\plain \ltrpar\s125\qj \fi-720\li2534\ri0\widctlpar\wrapdefault\faauto\rin0\lin2534\itap0 \rtlch\fcs1 \ab\ai\af39\afs24\alang1025 \ltrch\fcs0 \b\i\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39 \ltrch\fcs0 
\insrsid7026769 Division 1 \endash  General.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid7026769 59.\tab Included and excluded losses.
\par 60.\tab Effect of transhipment, etc.
\par 61.\tab Partial and total loss.
\par 62.\tab Actual total loss.
\par 63.\tab Missing ships.
\par 64.\tab Constructive total loss.
\par 65.\tab Effect of constructive total loss.
\par 66.\tab Notice of abandonment.
\par 67.\tab Effect of abandonment.
\par }\pard\plain \ltrpar\s125\qj \fi-720\li2534\ri0\widctlpar\wrapdefault\faauto\rin0\lin2534\itap0 \rtlch\fcs1 \ab\ai\af39\afs24\alang1025 \ltrch\fcs0 \b\i\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39 \ltrch\fcs0 
\insrsid7026769 Division 2 \endash  Partial Losses.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid7026769 68.\tab Particular average loss.
\par 69.\tab Salvage charges, etc.
\par 70.\tab General average loss.
\par }\pard\plain \ltrpar\s128\qj \fi-720\li1967\ri0\sb60\widctlpar\wrapdefault\faauto\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\b\insrsid7026769 PART VI \endash  MEASURE OF INDEMNITY.
\par }\pard\plain \ltrpar\s125\qj \fi-720\li2534\ri0\widctlpar\wrapdefault\faauto\rin0\lin2534\itap0 \rtlch\fcs1 \ab\ai\af39\afs24\alang1025 \ltrch\fcs0 \b\i\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39 \ltrch\fcs0 
\insrsid7026769 Division 1 \endash  Liability of insurer for Loss.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid7026769 71.\tab Extent of Liability.
\par 72.\tab Total loss.
\par 73.\tab Partial loss of ship.
\par 74.\tab Partial loss of freight.
\par 75.\tab Partial loss of goods, merchandise, etc.
\par }\pard\plain \ltrpar\s127\qj \fi-720\li1559\ri0\widctlpar\wrapdefault\faauto\rin0\lin1559\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid7026769  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid7026769 \'93gross proceeds\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid7026769  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid7026769 \'93gross value\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid7026769  
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid7026769 76.\tab Apportionment of valuation.
\par 77.\tab General average contribution, etc.
\par 78.\tab Liabilities to third parties.
\par 79.\tab Measure of indemnity.
\par 80.\tab Particular average warranties.
\par 81.\tab Successive losses.
\par 82.\tab Suing and labouring clause.
\par }\pard\plain \ltrpar\s125\qj \fi-720\li2534\ri0\widctlpar\wrapdefault\faauto\rin0\lin2534\itap0 \rtlch\fcs1 \ab\ai\af39\afs24\alang1025 \ltrch\fcs0 \b\i\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39 \ltrch\fcs0 
\insrsid7026769 Division 2 \endash  Rights of Insurer on Payment of Loss.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid7026769 83.\tab Right of subrogation.
\par 84.\tab Over-insurance.
\par 85.\tab Under-insurance.
\par }\pard\plain \ltrpar\s128\qj \fi-720\li1967\ri0\sb60\widctlpar\wrapdefault\faauto\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\b\insrsid7026769 PART VII \endash  RETURN OF PREMIUM.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid7026769 86.\tab Enforcement of return.
\par 87.\tab Return by agreement.
\par 88.\tab Return for failure of consideration.
\par }\pard\plain \ltrpar\s128\qj \fi-720\li1967\ri0\sb60\widctlpar\wrapdefault\faauto\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\b\insrsid7026769 PART VIII \endash  MUTUAL INSURANCE.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid7026769 89.\tab Mutual insurance.
\par }\pard\plain \ltrpar\s128\qj \fi-720\li1967\ri0\sb60\widctlpar\wrapdefault\faauto\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\b\insrsid7026769 PART IX \endash  MISCELLANEOUS.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid7026769 90.\tab Ratification by assured.
\par 91.\tab Variation of implied obligations.
\par 92.\tab Reference to slip or cover note.
\par }\pard\plain \ltrpar\s128\qj \fi-720\li1967\ri0\sb60\widctlpar\wrapdefault\faauto\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\b\caps0\insrsid7026769 SCHEDULE 1 \endash  Form of Marine Policy.
\par SCHEDULE 2 \endash  Rules for construction of marine policies.
\par \sect }\sectd \ltrsect\binfsxn2\binsxn2\sbkodd\pgnrestart\linex0\headery1000\footery1000\endnhere\titlepg\sectdefaultcl\sftnbj {\headerl \ltrpar \ltrrow\trowd \irow0\irowband0\lastrow \ltrrow\ts11\trleft-720\trkeep\trftsWidth1\tblind-720\tblindtype3 
\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth1440\clshdrawnil \cellx720\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone 
\cltxlrtb\clftsWidth3\clwWidth7920\clshdrawnil \cellx8640\pard\plain \ltrpar\s59\qj \li0\ri0\widctlpar\intbl\tqc\tx4153\tqr\tx8306\wrapdefault\faauto\rin0\lin0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769  IF }{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769  = OR ( }
{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769  COMPARE }{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769 STYLEREF "Section No" \\* MERGEFORMAT}}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 
\ltrch\fcs0 \b\fs24\lang1024\langfe1024\noproof\insrsid13833723 1.}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769  = Preamble* \\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 
\ltrch\fcs0 \b\fs24\lang1024\langfe1024\noproof\insrsid13833723 0}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769 ,}{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\insrsid7026769  COMPARE }{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769 STYLEREF "Section No" \\* MERGEFORMAT}}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\lang1024\langfe1024\noproof\insrsid13833723 1.}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769  <= 0 \\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\lang1024\langfe1024\noproof\insrsid13833723 0}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769 ) \\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\lang1024\langfe1024\noproof\insrsid13833723 0}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769  = 1 "" "s. "\\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\lang1024\langfe1024\noproof\insrsid13833723 s. }}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769 STYLEREF "Section No" \\* MERGEFORMAT}}{\fldrslt {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \b\fs24\lang1024\langfe1024\noproof\insrsid13833723 1.}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \cell }\pard \ltrpar\s59\qc \li0\ri0\widctlpar\intbl
\tqc\tx4153\tqr\tx8306\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \i\fs24\insrsid7026769 Marine Insurance 9999}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
\trowd \irow0\irowband0\lastrow \ltrrow\ts11\trleft-720\trkeep\trftsWidth1\tblind-720\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth1440\clshdrawnil \cellx720\clvertalt\clbrdrt
\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth7920\clshdrawnil \cellx8640\row }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 
\par }}{\headerr \ltrpar \ltrrow\trowd \irow0\irowband0\lastrow \ltrrow\ts11\trleft720\trkeep\trftsWidth1\tblind720\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth7920\clshdrawnil 
\cellx8640\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth1440\clshdrawnil \cellx10080\pard\plain \ltrpar\s59\qc \li0\ri0\widctlpar\intbl\tqc\tx4153\tqr\tx8306\wrapdefault\faauto\rin0\lin0 
\rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \i\fs24\insrsid7026769 Marine Insurance 9999}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \cell 
}\pard \ltrpar\s59\qr \li0\ri0\widctlpar\intbl\tqc\tx4153\tqr\tx8306\wrapdefault\faauto\rin0\lin0 {\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769  IF }{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\insrsid7026769  = OR ( }{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769  COMPARE }{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769 STYLEREF "Section No" \\* MERGEFORMAT}}{\fldrslt 
{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\lang1024\langfe1024\noproof\insrsid13833723 1.}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769  = Preamble* \\* MERGEFORMAT }}{\fldrslt {
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\lang1024\langfe1024\noproof\insrsid13833723 0}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769 ,}{\field{\*\fldinst {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769  COMPARE }{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769 STYLEREF "Section No" \\* MERGEFORMAT}}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\lang1024\langfe1024\noproof\insrsid13833723 1.}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769  <= 0 \\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\lang1024\langfe1024\noproof\insrsid13833723 0}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769 ) \\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\lang1024\langfe1024\noproof\insrsid13833723 0}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769  = 1 "" "s. "\\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\lang1024\langfe1024\noproof\insrsid13833723 s. }}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769 STYLEREF "Section No" \\* MERGEFORMAT}}{\fldrslt {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \b\fs24\lang1024\langfe1024\noproof\insrsid13833723 1.}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
\trowd \irow0\irowband0\lastrow \ltrrow\ts11\trleft720\trkeep\trftsWidth1\tblind720\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth7920\clshdrawnil \cellx8640\clvertalt\clbrdrt
\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth1440\clshdrawnil \cellx10080\row }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 
\par }}{\footerl \ltrpar \pard\plain \ltrpar\s49\qc \li0\ri0\widctlpar\tqr\tx8789\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769  }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769 \endash  }{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769 PAGE}}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\lang1024\langfe1024\noproof\insrsid13833723 2}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769  \endash }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
\par }}{\footerr \ltrpar \pard\plain \ltrpar\s49\qc \li0\ri0\widctlpar\tqr\tx8789\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769  }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769 \endash  }{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769 PAGE}}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\lang1024\langfe1024\noproof\insrsid13833723 3}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769  \endash }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
\par }}{\footerf \ltrpar \pard\plain \ltrpar\s49\qc \li0\ri0\widctlpar\tqr\tx8789\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 
\par }}\pard\plain \ltrpar\s106\qc \li0\ri0\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\insrsid7026769 INDEPENDENT STATE OF PAPUA NEW GUINEA.
\par }\pard\plain \ltrpar\s37\qc \li0\ri0\sb480\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 
\par }\pard\plain \ltrpar\s105\qc \li0\ri0\sb480\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\cf15\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39\afs24 \ltrch\fcs0 
\b0\fs24\cf0\insrsid7026769 AN ACT
\par entitled
\par }\pard\plain \ltrpar\s104\qc \li0\ri0\sb480\sa240\sl-360\slmult0\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs30\alang1025 \ltrch\fcs0 \b\caps\f39\fs30\cf15\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 
\ai\af39\afs24 \ltrch\fcs0 \i\caps0\fs24\cf0\insrsid7026769 Marine Insurance Act (Adopted),
\par }\pard\plain \ltrpar\s66\qj \fi-720\li720\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39\afs24 \ltrch\fcs0 
\b0\fs24\insrsid7026769 Being an Act relating to marine insurance, adopted by Section Sch. 2.6 (}{\rtlch\fcs1 \ab0\ai\af39\afs24 \ltrch\fcs0 \cs51\b0\i\fs24\insrsid7026769 adoption of pre-Independence laws}{\rtlch\fcs1 \ab0\af39\afs24 \ltrch\fcs0 
\b0\fs24\insrsid7026769 ) of, and Part 1 of Schedule 5 to, the }{\rtlch\fcs1 \ab0\ai\af39\afs24 \ltrch\fcs0 \cs92\b0\i\fs24\insrsid7026769 Constitution}{\rtlch\fcs1 \ab0\af39\afs24 \ltrch\fcs0 \b0\fs24\insrsid7026769 .
\par }\pard\plain \ltrpar\s83\qc \li0\ri0\sb240\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs84\fs24\insrsid7026769 PART I. \endash  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 PRELIMINARY.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 1.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Interpretation.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 In this Act, unless the contrary intention appears\endash 
\par }\pard\plain \ltrpar\s46\qj \fi-734\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\cs45\b\fs24\insrsid7026769 \'93action\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  includes counter-claim and set-off;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93contract of marine insurance\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  means a contract by which the insurer undertakes 
to indemnify the insured, in the manner and to the extent agreed by the contract, against marine losses;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93floating policy\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  has the meaning given to it by Section 31;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93freight\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  includes\endash 
\par }\pard\plain \ltrpar\s42\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the profit derivable by a ship-owner from the employment of his ship to carry his own goods or movables; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 freight payable by a third party, 
\par }\pard\plain \ltrpar\s71\qj \li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 but does not include passage money;
\par }\pard\plain \ltrpar\s46\qj \fi-734\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\cs45\b\fs24\insrsid7026769 \'93general average act\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  has the meaning given to it by Section 70;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93general average contribution\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  means a contribution by virtue of Section 70(3);
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93general average loss\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  has the meaning given to it by Section 70(1); 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93insurable interest\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  means an insurable interest within the meaning of Division II.2; 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93insurable property\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  means property referred to in Section 5(2)(a); 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93insurable value\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 , in relation to a marine policy or the subject-matter of a marine policy, means\endash 
\par }\pard\plain \ltrpar\s42\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
in the case of insurance on a ship\endash the sum of\endash 
\par }\pard\plain \ltrpar\s43\qj \fi-720\li2880\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2880\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid7026769 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 the value, as at the commencement of the risk, of\endash 
\par }\pard\plain \ltrpar\s44\qj \fi-731\li3611\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin3611\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs115\caps\fs24\insrsid7026769 (A)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 the ship and her outfit; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs115\caps\fs24\insrsid7026769 (B)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 provisions and stores for the crew; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs115\caps\fs24\insrsid7026769 (C)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 money advanced for seamen\rquote s wages; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs115\caps\fs24\insrsid7026769 (D)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 any other disbursements incurred to make the ship fit for the voyage or adventure contemplated by the policy; and

\par }\pard\plain \ltrpar\s43\qj \fi-720\li2880\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2880\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid7026769 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 the charges of insurances on the whole; and
\par }\pard\plain \ltrpar\s42\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 in
 the case of insurance on a steamship\endash in addition to the insurable value calculated in accordance with Paragraph (a), the value, as at the commencement of the risk, of any of her machinery, boilers, coal and engine stores owned by the assured; and

\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 in the case of insurance on a ship engaged in a special trade\endash 
in addition to the insurable value calculated in accordance with Paragraph (a) (and, if appropriate, Paragraph (b)), the value, as at the commencement of the risk, of the ordinary fittings needed for the trade; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 in the case of insurance on freight, whether paid in advance or otherwise\endash the total of\endash 
\par }\pard\plain \ltrpar\s43\qj \fi-720\li2880\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2880\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid7026769 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 the gross amount of the freight at the risk of the assured; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 the charges of insurance; and
\par }\pard\plain \ltrpar\s42\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 e}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
in the case of insurance on goods or merchandise\endash the total of\endash 
\par }\pard\plain \ltrpar\s43\qj \fi-720\li2880\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2880\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid7026769 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 the prime cost of the goods or merchandise assured; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 the expenses of and incidental to shipping; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (iii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 the charges of insurance on the whole; and
\par }\pard\plain \ltrpar\s42\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 f}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 in the case of insurance on
 any other subject-matter\endash the total of\endash 
\par }\pard\plain \ltrpar\s43\qj \fi-720\li2880\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2880\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid7026769 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 the amount at the risk of the assured when the policy attaches; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 the charges of insurance;
\par }\pard\plain \ltrpar\s46\qj \fi-734\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\cs45\b\fs24\insrsid7026769 \'93marine adventure\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  includes the particular meaning given to that expression by Section 5(2);
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93marine loss\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  means a loss incidental to marine insurance;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93maritime perils\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  means the perils consequent on, or incidental to, the navigation of the sea, namely:\endash 
\par }\pard\plain \ltrpar\s42\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 perils of the sea; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 fire; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 war perils; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 pirates, rovers and thieves; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 e}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 captures and seizures; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 f}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 restraints and detainments by other governments; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 g}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 jettisons; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 h}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 barratry,
\par }\pard\plain \ltrpar\s71\qj \li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 and any other perils\endash 
\par }\pard\plain \ltrpar\s42\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 i}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 of the like kind; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 j}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 designated by the policy;
\par }\pard\plain \ltrpar\s46\qj \fi-734\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\cs45\b\fs24\insrsid7026769 \'93measure of indemnity\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 , in relation to a marine policy, means the amount that the assured can recover in respect of a loss on a policy by which he is insured
\endash 
\par }\pard\plain \ltrpar\s42\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
in the case of an unvalued policy\endash to the full extent of the insurable value; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 in the case of a valued property\endash to the full extent of the value fixed by the policy;
\par }\pard\plain \ltrpar\s46\qj \fi-734\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\cs45\b\fs24\insrsid7026769 \'93movables\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
, in relation to insurance on a ship, means any movable tangible property, other than the ship, including money, valuable securities and other documents;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93partial loss\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  means a loss that is a Partial loss within the meaning of Division V.1;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93particular average loss\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  means a loss that is a particular average loss within the meaning of Part V.;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93particular charges\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  means expenses that are particular charges within the meaning of Section 68(2);
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93policy\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  means a marine policy;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93promissory warranty\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  means a warranty by which the assured\endash 
\par }\pard\plain \ltrpar\s42\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 undertakes that\endash 

\par }\pard\plain \ltrpar\s43\qj \fi-720\li2880\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2880\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid7026769 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 some particular thing will or will not be done; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 some condition will be fulfilled; or
\par }\pard\plain \ltrpar\s42\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 affirms or negative
s the existence of a particular state of facts;
\par }\pard\plain \ltrpar\s46\qj \fi-734\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\cs45\b\fs24\insrsid7026769 \'93salvage charges\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
 means the charges recoverable under maritime law by a salvor independently of contract, but does not include the expenses of services in the nature of salvage rendered by\endash 
\par }\pard\plain \ltrpar\s42\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 the assured or his agents; or

\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 any person employed for hire by them;
\par }\pard\plain \ltrpar\s46\qj \fi-734\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\cs45\b\fs24\insrsid7026769 \'93time policy\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  means a marine policy under which the subject-matter is insured for a definite period of time;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93total loss\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  means a total loss within the meaning of Division V.1;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93unvalued policy\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  has the meaning given to it by Section 30;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93valued policy\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  has the meaning given to it by Section 29(1);
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93voyage policy\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  means a marine policy under which the subject-matter is insured\endash 
\par }\pard\plain \ltrpar\s42\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \'93at and from\'94; or

\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 from one place to another place or other places.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where in this Act a reference is made to reasonable time, reasonable premiums or reasonable diligence, the question, what is reasonable, is a question of fact.

\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 2.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Application.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 This Act does not apply to contracts of marine insurance made before Independence Day.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 3.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Saving of common law rules.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 Except so far as they are inconsistent with the express provisions of this Act, the rules of the common law of England (including the law merchant) apply to contracts of marine insurance.
\par }\pard\plain \ltrpar\s85\qc \li0\ri0\sb120\keepn\pagebb\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs84\fs24\insrsid7026769 PART II. \endash  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 MARINE INSURANCE.
\par }\pard\plain \ltrpar\s47\qc \li0\ri0\sb120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs48\fs24\insrsid7026769 Division 1.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
\par Limits of Marine Insurance.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 4.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Mixed sea and land risks.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 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 la
nd risk that may be incidental to any sea voyage.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
a ship in course of building; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 the launching of a ship; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 any adventure analogous to a marine adventure,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
is covered by a policy in the form of a marine policy, this Act, so far as it is applicable, applies to it.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subject to this section, this Act does not alter or affect any rule of law applicable to any contract of insurance other than a contract of marine insurance.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 5.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Insurance of marine adventures.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subject to this Act, any lawful marine adventure may be the subject of a contract of marine insurance.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 In particular, there is a marine adventure where\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
any ship, goods or other movables are exposed to maritime perils; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 
the earning or acquisition of any freight, passage money, commission, profit or other pecuniary benefit, or the security for any advance, loan or disbursements, is endangered by the exposure of insurable property to maritime perils; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 any liability to a third party may be incurred by the owner of, or any other person interested in or responsible for, insurable property, by reason of maritime perils.
\par }\pard\plain \ltrpar\s47\qc \li0\ri0\sb120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs48\fs24\insrsid7026769 Division 2.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
\par Insurable Interests.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 6.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Gaming or wagering contracts.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A contract of marine insurance by way of gaming or wagering is void.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A contract of marine insurance shall be deemed to be a gaming or wagering contract\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 where\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid7026769 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 the assured has no insurable interest; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 the contract is entered into with no expectation of acquiring such an interest; or
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
subject to Subsection (3), where the policy is made\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid7026769 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \'93interest or no interest\'94; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \'93without further proof of interest than the policy itself\'94; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (iii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \'93without benefit of salvage to the insurer\'94,
\par }\pard\plain \ltrpar\s75\qj \li2977\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2977\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 or subject to any other like term.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where there is no possibility of salvage, a policy may be effected without benefit of salvage to the insurer.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 7.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Insurable interests.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subject to this Act, every person who is interested in a marine adventure has an insurable interest.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 In particular, a person is interested in a marine adventure if he stands in a legal or equitable relation to\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 the adventure; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 any insurable property at risk in it,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
in consequence of which he may\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
benefit by the safety or due arrival of insurable property; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 be prejudiced by\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid7026769 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 its loss; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 damage to it; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (iii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 the detention of it; or
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 e}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
incur liability in respect of it.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 8.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Time of attachment of interest.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subject
 to Subsection (2), the assured must be interested in the subject-matter insured at the time of the loss, though he need not be interested when the insurance is effected.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where the subject-matter insured is insured \'93lost or not lost\'94, the assured may r
ecover even if he has not acquired his interest until after the loss, unless at the time of effecting the contract of insurance the assured was aware of the loss, and the insurer was not.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where the assured has no interest at the time of the loss, he ca
nnot acquire any interest by an act or election after he is aware of the loss.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 9.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Defeasible or contingent interests.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A defeasible interest or a contingent interest is insurable.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 In particular, where the buyer of goods has insured them, he has an insurable interest, notwithstanding that he might, at his election\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 have rejected the goods; or

\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 have treated them as at the seller\rquote s risk,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
by reason of the latter\rquote s delay in making delivery or otherwise.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 10.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Partial interests.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 A partial interest of any nature is insurable.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 11.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Re-insurance.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 The insurer under a contract of marine insurance has an insurable interest in his risk, and may re-insure in respect of it.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Unless the policy provides otherwise, the original assured has no right or interest in respect of the re-insurance.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 12.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Bottomry.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 The lender of money on bottomry or respondentia has an insurable interest in respect of the loan.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 13.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Master\rquote s and seamen\rquote s wages.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 The master or a member of the crew of a ship has an insurable interest in respect of his wages.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 14.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Advance freight.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 In the case of advance freight, the person advancing the freight has an insurable interest, so far as the freight is not repayable in case of loss.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 15.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Charges of insurance.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 The assured has an insurable interest in the charges of any insurance that he effects.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 16.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Quantum of interest.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where the subject-matter insured is mortgaged\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the mortgagor has an insurable interest in its full value; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 the mortgagee has an insurable interest in respect of any sum due or to become due under the mortgage.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A mortgagee, consignee or other person having an interest in the subject-matter insured may insure on behalf of, and for the benefit of, other person
s interested, as well as for his own benefit.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
The owner of insurable property has an insurable interest in respect of its full value, notwithstanding that a third person has agreed, or is liable, to indemnify him in case of loss.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 17.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Assignment of interests.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
Subject to Subsection (2), where the assured assigns or otherwise parts with his interest in the subject-matter insured, he does not by doing so transfer to the assignee his rights under the contract of insurance, unless there is an express or i
mplied agreement with the assignee to that effect.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subsection (1) does not affect a transmission of an interest by operation of law.
\par }\pard\plain \ltrpar\s47\qc \li0\ri0\sb120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs48\fs24\insrsid7026769 Division 3.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
\par Disclosure and Representations.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 18.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Requirement of good faith.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 A contract of marine insurance is a contract based on the utmost good faith, and if the utmost good faith is not observed by either party the contract may be avoided by the other party.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 19.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Disclosure by assured.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 In this section, }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93circumstance\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
 includes a communication made to, or information received by, the assured.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subject to this section\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the assured shall disclose to the insurer, before the contract is concluded, every material circumstance that is known to the assured; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 the assured shall be deemed to know every circumstance that, in the ordinary course of business, ought to be known to him.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 If the assured fails to make disclosure as required by Subsection (2) the insurer may avoid the contract.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A circumstance is material if it would influence the judgement of a prudent insurer\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 in fixing the premium; or

\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 in determining whether he will take the risk.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (5) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 In the absence of inquiry, the following circumstances need not be disclosed:\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
any circumstance that diminishes the risk;
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 any circumstance that is known or presumed to be known to the insurer;
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 any circumstance as to which information is waived by the insurer;
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 any circumstance that it is superfluous to disclose by reason of any express or implied warranty.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (6) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 For the purposes of Subsection (5)(b), the insurer shall be presumed to know\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
matters of common notoriety or knowledge; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 matters that an insurer, in the ordinary course of his business as such, ought to know.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (7) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Whether or not any circumstance that is not disclosed is material is a question of fact.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 20.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Disclosure by agent effecting insurance.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subject to the provisions of Section 19 as to circumstances that need not be disclosed, where an insurance is effected for the assured by an agent the
 agent shall disclose to the insurer every material circumstance\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 that is known to him; and

\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 that the assured is bound to disclose, unless it comes to his knowledge too late to communicate it to the agent.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 For the purposes of Subsection (1)(a), 
an agent to insure shall be deemed to know every circumstance that in the ordinary course of business ought to be known by, or to have been communicated to, him.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 21.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Representations pending negotiation of contract.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Every material representation made by
 the assured or his agent to the insurer during the negotiations for the contract, and before the contract is concluded, shall be true, and if any such representation is untrue the insurer may avoid the contract.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A representation is material if it would influence the judgement of a prudent insurer\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 in fixing the premium; or

\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 in determining whether or not he will take the risk.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A representation may be as to a matter of fact, or as to a matter of expectation or belief.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A representation as t
o a matter of fact is true if it is substantially correct, that is to say, if the difference between what is represented and what is actually correct would not be thought material by a prudent insurer.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (5) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A representation as to a matter of expectation or belief is true if it is made in good faith.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (6) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A representation may be withdrawn or corrected before the contract is concluded.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (7) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Whether or not a particular representation is material is a question of fact.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 22.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Conclusion of contract.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A contract of marine insurance shall be deemed to be concluded when the proposal of the assured is accepted by the insurer, whether or not the policy is then issued.

\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 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.
\par }\pard\plain \ltrpar\s47\qc \li0\ri0\sb120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs48\fs24\insrsid7026769 Division 4.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
\par The Policy.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 23.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Embodiment of contract in policy.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
Subject to any Act, a contract of marine insurance is inadmissible in evidence in an action for the recovery of a loss under the contract unless it is embodied in a marine policy in accordance with this Act.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 The policy may be executed and issued either at the time when the contract is concluded or afterwards.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 24.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Contents of policy.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 A marine policy shall specify\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the name of the assured, or of a person who effects the insurance on his behalf; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 the subject-matter insured and the risk insured against; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 the voyage or period of time (or both), as the case may be, covered by the insurance; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 the sum or sums insured; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 e}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 the name or names of the insurers.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 25.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Signature of insurer.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subject to Subsection (2), a marine policy shall be signed by or on behalf of the insurer.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 In the case of a corporation the corporate seal may be sufficient, but this section does not require the subscription of a corporation to be under seal.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where a policy is subscribed by or on behalf of two 
or more insurers, unless the contrary is expressed each subscription constitutes a distinct contract with the assured.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 26.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Voyage and time policies.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A marine policy may be both a voyage policy and a time policy.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subject to Subsection (3), a time policy that is made for any time exceeding 12 months is invalid.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A time policy may contain an agreement to the effect that, in the event of\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 the ship being at sea; or

\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 the voyage being otherwise not completed,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
on the expiration of the policy, the subject-matter of the insurance shall be held covered\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
until the arrival of the ship at her destination; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 for a reasonable time afterwards, not exceeding 30 days,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
and the policy is not invalid on the ground only that by reason of the agreement it may become available for a period exceeding 12 months.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 27.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Designation of subject-matter.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 The subject-matter insured shall be designated in a marine policy with reasonable certainty.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 The nature and extent of the interest of the assured in the subject-matter insured need not be specified in the policy.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
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 }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 In the application of this section, regard shall be had to any usage regulating the designation of the subject-matter insured.

\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 28.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Valued and unvalued policies.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 A marine policy may be either a valued policy or an unvalued policy.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 29.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Valued policies.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A valued policy is a marine policy that specifies the agreed value of the subject-matter insured.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subject to this Act, and in the absence of fraud, the value fixed by the policy is, as between the insurer and assured, conclusive of the insurable val
ue of the subject-matter intended to be insured, whether the loss be total or partial.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
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\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 30.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Unvalued policies.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 An unvalued policy is a policy that does not specify the value of the subject-matter insured, but, subject to the limit of the sum insured, leaves the insurable value to be subsequently ascertained.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 31.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Floating policies.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A floating policy is a marine policy that\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
describes the insurance in general terms; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 leaves the name of the ship or ships and other particulars to be defined by subsequent declaration.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 The subsequent declaration may be made by endorsement on the policy, or in any other customary manner.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Unless the policy otherwise provides, the declaration shall be made in the order of despatch or shipment.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A declaration relating to goods shall comprise all consignments within the terms of the policy, and
 the value of the goods or other property shall be honestly stated, but an omission or erroneous declaration may be rectified even after loss or arrival, if the omission or declaration was made in good faith.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (5) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Unless the policy provides otherwise, where
 a declaration of value is not made until after notice of loss or arrival the policy shall be treated as an unvalued policy as regards the subject-matter of the declaration.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 32.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Form of marine policies.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A marine policy may be in the form in Schedule 1.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
Subject to this Act, and unless the context of the policy requires otherwise, the rules set out in Schedule 2 apply in the construction of a marine policy in the form in Schedule 1 or in any like form.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 33.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Premiums left to be arranged.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
an insurance is effected at a premium to be arranged; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 no such arrangement is made,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
a reasonable premium is payable.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
an insurance is effected on the terms that an additional premium is to be arranged in a given event; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 the event happens but no arrangement is made,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
a reasonable additionable premium is payable.
\par }\pard\plain \ltrpar\s47\qc \li0\ri0\sb120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs48\fs24\insrsid7026769 Division 5.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
\par Double Insurance.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 34.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Double insurance.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
two or more policies are effected by or on behalf of the assured on the same adventure and interest, or any part of it; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 the sums insured exceed the indemnity allowed by this Act,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the assured is said to be over-insured by double insurance.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where the assured is over-insured by double insurance\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
unless the policy provides otherwise, the assured may claim payment from the insurers in such order as he thinks proper, but is not entitled to receive any sum in excess of the indemnity allowed by this Act; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 where the policy under which the assured claims is a valid policy, he shall give cr
edit, as against the valuation, for any sum received by him under any other policy, without regard to the actual value of the subject-matter insured; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 where the policy under which the assured claims is an unvalued policy, he shall give credit, as against the full insurable value, for any sum received by him under any other policy; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 where the assured receives any sum in excess of the indemnity allowed by this Act, he shall be deemed to hold the sum in trust for the insurers, according to their rights of contribution among themselves.
\par }\pard\plain \ltrpar\s47\qc \li0\ri0\sb120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs48\fs24\insrsid7026769 Division 6.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
\par Warranties.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 35.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Interpretation of Division 6.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 In this Division, }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93warranty\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  means a promissory warranty.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 36.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Nature of warranty.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A warranty may be express or implied.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A warranty is a condition that shall be exactly complied with, whether it be material to the risk or not.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 37.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Effect of non-compliance.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 If a warranty is not complied with as provided for by Section 36(2), then, subject to any express provisio
n 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\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 38.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Excuse for breach of warranty.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Non-compliance with a warranty is excused when\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
by reason of a change of circumstances, the warranty ceases to be applicable to the circumstances of the contract; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 compliance with the warranty is made unlawful by any subsequent law.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where a warranty is broken, the assured cannot avail himself of the defence that the breach was remedied, and the warranty complied with, before loss.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A breach of warranty may be waived by the insurer.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 39.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Express warranties.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 An express warranty may be in any form of words from which the intention to warrant is to be inferred.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 An express warranty shall\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
be included in, or written on, the policy; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 be contained in a document incorporated by reference into the policy.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 An express warranty does not exclude an implied warranty, unless it is inconsistent with such a warranty.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 40.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Warranty of neutrality.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where insurable property, whether a ship or goods, is expressly warranted \'93neutral\'94, there is an implied condition that\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the property will have a neutral character at the commencement of the risk; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 so far as the assured can control the matter, its neutral character will be preserved during the risk.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where a ship is expressly warranted \'93neutral\'94, there is also an i
mplied condition that, so far as the assured can control the matter, she will be properly documented, that is to say that\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
she will carry the necessary papers to establish her neutrality; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 she will not falsify or suppress her papers, or use simulated papers.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 If any loss occurs through breach of the condition referred to in Subsection (2), the insurer may avoid the contract.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 41.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Implied warranty of nationality.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 There is no implied warranty as to the nationality of a ship, or that her nationality will not be changed during the risk.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 42.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Warranty of good safety.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 Where the subject-matter insured is warranted \'93well\'94 or \'93in good safety\'94 on a particular day, it is sufficient if it is safe at any time during that day.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 43.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Warranty of seaworthiness of ship.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
In a voyage policy, there is an implied warranty that at the commencement of the voyage the ship will be seaworthy for the purpose of the particular adventure insured.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where the policy attaches while the ship is in port, there is an implied w
arranty that she will, at the commencement of the risk, be reasonably fit to encounter the ordinary perils of the port.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
Where the policy relates to a voyage that is performed in different stages during which the ship requires different kinds of, or fur
ther, preparation or equipment, there is an implied warranty that at the commencement of each stage the ship will be seaworthy in respect of the preparation or equipment for the purposes of that stage.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 In a time policy there is no implied warranty that
 the ship will 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 }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (5) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A ship shall be 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 }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 44.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Implied warranties in policies on movables.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 In a marine policy on goods or other movables, there is no implied warranty that the goods or movables are seaworthy.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 In a voyage policy on goods or other movables, there is an implied warranty that at the commencement of the voyage the ship not only i
s seaworthy as a ship, but also is reasonably fit to carry the goods or other movables to the destination contemplated by the policy.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 45.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Warranty of legality.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 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 will be carried out in a lawful manner.
\par }\pard\plain \ltrpar\s47\qc \li0\ri0\sb120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs48\fs24\insrsid7026769 Division 7.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
\par The Voyage.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 46.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Implied condition as to commencement of risk.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where the subject-matter is insured by a voyage policy \'93at and from\'94 or \'93from\'94 a particular place\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
it is not necessary that the ship should be at that place when the contract is concluded; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 there is an implied condition that\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid7026769 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 the adventure will be commenced within a reasonable time; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 if the adventure is not so commenced the insurer may avoid the contract.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 The condition implied by Subsection (1)(b) may be negatived by showing that\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the delay was caused by circumstances known to the insurer before the contract was concluded; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 the insurer waived the condition.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 47.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Alteration of port of departure.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 Where\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the place of departure is specified by the policy; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 instead of sailing from that place the ship sails from any other place,
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the risk does not attach.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 48.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Alteration of destination.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 Where\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the destination is specified by the policy; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 instead of sailing for that destination the ship sails for any other destination,
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the risk does not attach.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 49.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Change of voyage.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
There is a change of voyage where, after the commencement of the risk, the destination of the ship is voluntarily changed from the destination contemplated by the policy.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Unless the policy otherwise provides, where there is a change of voyage the insur
er is discharged from liability as from the time when the determination to change it is manifested.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
For the purposes of Subsection (2), it is immaterial that the ship had not in fact left the course of voyage contemplated by the policy when the loss occurred.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 50.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Deviation.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 There is a deviation from the voyage contemplated by the policy\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
where the course of the voyage is specifically designated by the policy\endash that course is departed from; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 where the course of the voyage is not specifically designated by the policy\endash the usual and customary course is departed from; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 as provided for by Section 51(3).
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where a ship deviates without lawful excuse from the voyage contemplated by the policy
, the insurer is discharged from liability as from the time of deviation, and it is immaterial that the ship regained her route before any loss occurred.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 The intention to deviate is immaterial, and only a deviation in fact discharges the insurer from h
is liability under the contract.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 51.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Several ports of discharge.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
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 shall pr
oceed to them, or to such of them as she goes to, in the order designated by the policy.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where the policy is to \'93ports of discharge\'94
, within a given area, that are not named, the ship shall, in the absence of any usage or sufficient cause to the contrary, proceed to them, or to such of them as she goes to, in their geographical order.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
If in a case to which Subsection (1) or (2) applies the ship does not comply with that subsection, there is a deviation for the purposes of Section 50.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 52.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Delay in voyage.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 In the case of a voyage policy\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the adventure insured shall be prosecuted throughout its course with reasonable despatch; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 if, without lawful excuse, the adventure is not so prosecuted, the insurer is discharged from liability as from the time when the delay became unreasonable.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 53.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Excuses for deviation or delay.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Deviation or delay in prosecuting the voyage contemplated by the policy is excused\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
where it is authorized by a special term in the policy; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 where it is caused by circumstances beyond the control of the master and his employer; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 where it is reasonably necessary in order to comply with an express or implied warranty; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 where it is reasonably necessary for the safety of the ship or subject-matter insured; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 e}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 where it is for the purpose of saving human life, or aiding a ship in distress where human life may be in danger; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 f}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 where it is reasonably necessary for the purpose of obtaining medical or surgical aid for a person on board the ship; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 g}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 where it is caused by the barratrous conduct of the master or crew, if barratry is one of the perils insured against.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 When the cause excusing the deviation or delay ceases to operate, the ship shall resume her course, and prosecute her voyage, with reasonable despatch.
\par }\pard\plain \ltrpar\s85\qc \li0\ri0\sb120\keepn\pagebb\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs84\fs24\insrsid7026769 PART III. \endash  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 ASSIGNMENT OF POLICIES.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 54.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Assignment of policy.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subject to Section 55, a marine policy is assignable unless it contains terms expressly prohibiting assignment, and may be assigned before or after loss.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where a marine policy has been assigned so as to pass the beneficial interest in the policy\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the assignee of the policy is entitled to sue on it in his own name; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 the defendant is entitled to make any defence arising out of the contract that he would have been entitled to make if the action had been brought in the name of the person by whom or on whose behalf the policy was effected.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A policy may be assigned by endorsement or in any other customary manner.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 55.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Assignment by assured who has no interest.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subject to Subsection (2), where the insured\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
has parted with or lost his interest in the subject-matter insured; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 has not, before or at the time of doing so, expressly or impliedly agreed to assign the policy,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
a subsequent assignment of the policy is inoperative.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subsection (1) does not affect the assignment of a policy after loss.
\par }\pard\plain \ltrpar\s85\qc \li0\ri0\sb120\keepn\pagebb\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs84\fs24\insrsid7026769 PART IV. \endash  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 PREMIUMS.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 56.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 When premium payable.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 Unless otherwise agreed\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the duty of the assured or his agent to pay the premium; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 the duty of the insurer to issue the policy to the assured or his agent,
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
are concurrent conditions, and the insurer is not bound to issue a marine policy until payment or tender of the premium.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 57.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Policy effected through broker.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Unless otherwise agreed, where a marine policy is effected on behalf of the assured by a broker\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the broker is directly responsible to the insurer for the premium; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 the insurer is directly responsible to the assured for the amount that is payable in respect of\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid7026769 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 losses; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 returnable premium.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Unless otherwise agreed, the broker has\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 as against the assured
\endash a lien on the policy for the amount of the premium and his charges in respect of effecting the policy; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 where he dealt with the person who employs him as a principal\endash 
a lien on the policy in respect of any balance on any insurance account that is due to him from that person, unless when the debt was incurred he had reason to believe that the person was only an agent.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 58.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Effect of receipt on policy.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 
Where a marine policy effected on behalf of the assured by a broker acknowledges the receipt of the premium, the acknowledgement 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\plain \ltrpar\s85\qc \li0\ri0\sb120\keepn\pagebb\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs84\fs24\insrsid7026769 PART V. \endash  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 LOSS AND ABANDONMENT.
\par }\pard\plain \ltrpar\s47\qc \li0\ri0\sb120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs48\fs24\insrsid7026769 Division 1.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
\par General.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 59.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Included and excluded losses.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subject to this Act, and unless the marine policy provides otherwise, the insurer\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
is liable for any loss proximately caused by a peril insured against; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 is not liable for any loss that is not proximately caused by a peril insured against.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 In particular\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 the insurer\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid7026769 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 is not liable for any loss attributable to the wilful misconduct of the assured; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 unless the policy provides otherwis
e, is liable for any loss proximately caused by a peril insured against, even though the loss would not have happened but for the misconduct or negligence of the master or crew; and
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
unless the policy provides otherwise, the insurer on a ship or goods is not liable for any loss proximately caused by delay, even though the delay is caused by a peril insured against; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 unless the policy provides otherwise, the insurer is not liable for\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid7026769 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 ordinary wear and tear, ordinary leakage and breakage, inherent vice or the nature of the subject-matter insured; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 any loss proximately caused by rats or vermin; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (iii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 any injury to machinery not proximately caused by maritime perils.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 60.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Effect of transhipment, etc.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 Where, because of a peril insured against, the voyage is interrupted at an intermediate port or place under circumstances that, apart from any special stipulation in the contract of affreightment, would justify the master i
n landing and re-shipping the goods or other movables, or in transhipping them, and sending them on to their destination, the liability of the insurer continues notwithstanding the landing or transhipment.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 61.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Partial and total loss.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A loss may be total or partial.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Any loss other than a total loss is a partial loss.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A total loss may be an actual total loss, or a constructive total loss.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Unless a different intention appears from the terms of the policy, an insurance against total loss include
s a constructive, as well as an actual, total loss.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (5) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
Where the assured brings an action for a total loss and the evidence proves only a partial loss, he may, unless the policy provides otherwise, recover for a partial loss.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (6) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where goods\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 reach th
eir destination in specie; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 by reason of obliteration of marks, or otherwise, are incapable of identification,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the loss (if any) is partial and not total.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 62.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Actual total loss.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where the subject-matter insured\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 is destroyed; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 is so damaged as to cease to be a thing of the kind insured,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
or where the assured is irretrievably deprived of it, there is an actual total loss.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 In case of an actual total loss, no notice of abandonment need be given.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 63.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Missing ships.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 Where\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 the ship co
ncerned in the adventure is missing; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 after the lapse of a reasonable time no news of her has been received,
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
an actual total loss may be presumed.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 64.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Constructive total loss.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subject to any express provision in the policy, there is a constructive total loss where the subject-matter insured is reasonably abandoned\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
because its actual total loss appears to be unavoidable; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 because it could not be preserved from actual total loss without an expenditure that would exceed its value when the expenditure had been incurred.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 In particular, there is a constructive total loss\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
where the assured is deprived of the possession of his ship or goods by a peril insured against, and\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid7026769 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 it is unlikely that he can recover the ship or goods, as the case may be; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 the cost of recovering the ship or goods, as the case may be, would exceed their value when recovered; or
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
in the case of damage to a ship, where she is so damaged by a peril insured against that the cost of repairing the damage would exceed the value of the ship when repaired; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 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\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 In estimating for the purposes of Subsection (2)(b) the cost of repairs\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
no deduction shall be made in respect of general average contributions to the repairs payable by other interests; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 account shall be taken of\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid7026769 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 the expense of future salvage operations; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 any future general average contribution to which the ship would be liable if repaired.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 65.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Effect of constructive total loss.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 Where there is a constructive total loss, the assured may\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
treat the loss as a partial loss; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 abandon the subject-matter insured to the insurer and treat the loss as if it were an actual total loss.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 66.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Notice of abandonment.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subject to this section, where the assured elects to abandon the subject-matter insured to the insurer, he shall give notice of abandonment.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 If the assured fails to give notice under Subsection (1), the loss can only be treated as a partial loss.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Notice of abandonment\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 may be given\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid7026769 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 in writing; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 by word of mouth; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (iii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 partly in writing and partly by word of mouth; and
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
may be given in any terms that indicate the intention of the assured to abandon his insured interest in the subject-matter insured to the insurer unconditionally.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Notice of abandonment shall be giv
en with reasonable diligence after the receipt of reliable information of the loss, but where the information is of a doubtful character the assured is entitled to a reasonable time to make inquiry.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (5) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where notice of abandonment is properly given, the ri
ghts of the assured are not prejudiced by the fact that the insurer refuses to accept the abandonment.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (6) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
The acceptance of an abandonment may be express or implied from the conduct of the insurer, but the mere silence of the insurer after notice is not an acceptance.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (7) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where notice of abandonment is accepted the abandonment is irrevocable.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (8) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 The acceptance of a notice of abandonment conclusively admits\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 liability for the loss; and

\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 the sufficiency of the notice.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (9) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Notice of abandonment is unn
ecessary where, at the time when the assured receives information of the loss, there would be no possibility of benefit to the insurer if notice were given to him.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (10) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Notice of abandonment may be waived by the insurer.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (11) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where an insurer has re-insured his risk, no notice of abandonment need be given by him.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 67.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Effect of abandonment.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where there is a valid abandonment, the insurer is entitled to take over\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the interest of the assured in whatever remains of the subject-matter insured; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 all proprietary rights incidental to it.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 On the abandonment of a ship, the insurer is entitled\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
to any freight in course of being earned, and that is earned by her subsequent to the casualty causing the loss, less the expenses of earning it incurred after the casualty; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 where the ship is carrying the owner\rquote s goods, to a reasonable remuneration for the carriage of them subsequent to the casualty causing the loss.
\par }\pard\plain \ltrpar\s47\qc \li0\ri0\sb120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs48\fs24\insrsid7026769 Division 2.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
\par Partial Losses.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 68.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Particular average loss.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A particular average loss is a partial loss of the subject-matter insured, caused by a peril insured against, that is not a general average loss.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Expenses incurred by or on behalf of the assured for the safety or preservation of the subject-matter insu
red, other than general average and salvage charges, are called particular charges.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Particular charges are not included in particular average.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 69.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Salvage charges, etc.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subject to any express provision in the policy, salvage charges incurred in preventing a loss by perils insured against may be recovered as a loss by those perils.

\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where expenses excepted from the definition \'93salvage charges\'94
 in Section 1 are properly incurred they may be recovered as particular charges or as a general average loss, according to the circumstances in which they were incurred.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 70.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 General average loss.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 A general average loss is a loss caused by or directly consequential on a general average act, and includes a general average expenditure as well as a general ave
rage sacrifice.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
There is a general average act where any extraordinary sacrifice or expenditure is voluntarily and reasonably made or incurred in time of peril for the purpose of preserving the property imperilled in the common adventure.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where the
re 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.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 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 last that falls on him.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (5) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subject to any express provision in the policy, in the case of a general average sacrifice the assured 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 }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (6) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subject to any express provision in the policy, where the assured has paid, or is liable to pay, a general average c
ontribution in respect of the subject insured, he may recover the amount of it from the insurer.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (7) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
In the absence of express stipulation, the insurer is not liable for any general average loss or contribution where the loss was not incurred for the purpose of avoiding, or in connection with the avoidance of, a peril insured against.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (8) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
Where the ship, freight and cargo, or any two of them, are owned by the same assured, the liability of the insurer in respect of general average losses or contributions shall be determined as if they were owned by different persons.
\par }\pard\plain \ltrpar\s85\qc \li0\ri0\sb120\keepn\pagebb\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs84\fs24\insrsid7026769 PART VI. \endash  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 MEASURE OF INDEMNITY.
\par }\pard\plain \ltrpar\s47\qc \li0\ri0\sb120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs48\fs24\insrsid7026769 Division 1.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
\par Liability of insurer for Loss.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 71.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Extent of Liability.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 Where there is a loss recoverable under a marine policy, the insurer, or each insurer if there is more than one, is liable for such proportion of the measure of indemnity as the amount of his subscription bears to\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
in the case of a valued policy, the value fixed by the policy; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 in the case of an unvalued policy, the insurable value.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 72.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Total loss.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 Subject to this Act and to any express provision in the policy, where there is a total loss of the subject-matter insured\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
in the case of a valued policy\endash the measure of indemnity is the sum fixed by the policy; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 in the case of an unvalued policy\endash the measure of indemnity is the insurable value of the subject-matter insured.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 73.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Partial loss of ship.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subject to any express provision in the policy, where a ship is damaged but is not totally lost the measure of indemnity is as follows:\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
if the ship has been repaired, the assured is entitled to the reasonable cost of the repairs, less the customary deductions, but not exceeding the sum insured in respect of any one casualty;
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 subject to Subsection (2), if the ship has been only partially repaired, the assured is entitled\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid7026769 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 to the reasonable cost of the repairs, calculated in accordance with Paragraph (a); and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 to be indemnified for the reasonable depreciation (if any) arising from the unrepaired damage;
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
if the ship has not been repaired, and has not been sold in her damaged state during the risk, the assured is entitled to be indemnified for the reasonable depreciation arising from the unrepaired damage, but not exceeding the reasonable cost of repai
ring the damage, calculated in accordance with Paragraph (a).
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
The aggregate amount to which the insured is entitled under Subsection (1)(b) shall not exceed the cost of repairing the whole damage, calculated in accordance with Subsection (1)(a).
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 74.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Partial loss of freight.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 Subject to any express provision in the policy, where there is a partial loss of freight the measure of indemnity is such proportion of\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
in the case of a valued policy\endash the sum fixed by the policy; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 in the case of an unvalued policy\endash the insurable value,
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
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\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 75.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Partial loss of goods, merchandise, etc.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 In this section\endash 
\par }\pard\plain \ltrpar\s46\qj \fi-734\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\cs45\b\fs24\insrsid7026769 \'93gross proceeds\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  means the actual price obtained at a sale where all charges on sale are met by the seller;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93gross value\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  means\endash 
\par }\pard\plain \ltrpar\s42\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
in the case of goods or merchandise customarily sold in bond\endash the bonded price; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 in any other case\endash 
\par }\pard\plain \ltrpar\s43\qj \fi-720\li2880\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2880\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid7026769 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 the wholesale price; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 if there is no wholesale price\endash the estimated value,
\par }\pard\plain \ltrpar\s71\qj \li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 plus freight, landing charges and duty paid beforehand.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subject to any express provision in the policy, where there is a partial loss of goods, merchandise or other movables, the measure of indemnity is\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
where part of the goods, merchandise or other movables insured by a valued policy is totally lost\endash such proportion of the sum fixed by the policy as the insurable value of
 the part lost bears to the insurable value of the whole, ascertained as in the case of an unvalued policy; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 where part of the goods, merchandise or other movables insured by an unvalued policy is totally lost\endash the insurable value of the part lost, ascertained as in the case of total loss; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 where the whole or any part of the goods or merchandise insured has been delivered damaged at its destination\endash such proportion of\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid7026769 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 in the case of a valued policy\endash the sum fixed by the policy; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 in the case of an unvalued policy\endash the insurable value,
\par }\pard\plain \ltrpar\s75\qj \li2977\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2977\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 as the difference between the gross sound value and the gross damaged value at the place of arrival bears to the gross sound value.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 76.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Apportionment of valuation.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where different kinds of property are 
insured under a single valuation, the valuation shall be apportioned over the different kinds in proportion to their respective insurable values, as in the case of an unvalued policy.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 The insured value of any part of a kind of property referred to in S
ubsection (1) is such proportion of the total insured value of the same as the insurable value of the part bears to the insurable value of the whole, ascertained in both cases as provided by this Act.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
a valuation has to be apportioned; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 particulars of the prime cost of each separate kind, quality or description of goods cannot be ascertained,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the division of the valuation may be made over the net arrived sound values of the different kinds, qualities or descriptions of goods.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 77.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 General average contribution, etc.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subject to any express provision in the policy\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
if the subject-matter liable to contribution is insured for its full contributory value, and the assured has paid, or is liable for, any general average contribution\endash the measure of indemnity is the full amount of that contribution; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 if the subject-matter is not insured for its full contributory value, or if only part of it is insured\endash the indemnity paid by the insurer shall be reduced in proportion to the under-insurance; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 where there has been a particular average loss that constitutes a deduction from the contributory value, and for which the insurer is liable\endash 
the amount of the loss shall be deducted from the insured value in order to ascertain what the insurer is liable to contribute.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where the insurer is liable for salvage charges, the extent of his liability shall be determined on the principles referred to in Subsection (1).
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 78.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Liabilities to third parties.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 Subject to any express provision in the 
policy, where the assured has effected an insurance in express terms against any liability to a third party, the measure of indemnity is the amount paid or payable by him to the third party in respect of the liability.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 79.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Measure of indemnity.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where t
here has been a loss in respect of any subject-matter not expressly provided for in the preceding provisions of this Act, the measure of indemnity shall be ascertained, as nearly as may be, in accordance with those provisions so far as they are applicable
 to the particular case.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 The provisions of this Act relating to the measure of indemnity do not\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
affect the rules relating to double insurance; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 prohibit the insurer\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid7026769 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 from disproving interest wholly or in part; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
from showing that at the time of the loss the whole or any part of the subject-matter insured was not at risk under the policy.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 80.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Particular average warranties.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where the subject-matter insured is warranted free from particular average, the assured c
annot recover for a loss of part, other than a loss incurred by a general average sacrifice, unless the contract contained in the policy is apportionable.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 If the contract is apportionable, the assured may recover for a total loss of any apportionable part.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
Where the subject-matter insured is warranted free from particular average, wholly or under a certain percentage, the insurer is liable\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 for salvage charges; and

\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 for particular charges and other expenses properly incurred, in accordance with the \'93suing and labouring\'94 clause, in order to avert a loss insured against.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
Unless the policy provides otherwise, where the subject-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 }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (5) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 For the purpose of ascertaining whether the specified percentage has been reached\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
regard shall be had only to the actual loss suffered by the subject-matter insured; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 particular charges and the expenses of and incidental to ascertaining and proving the loss shall be excluded.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 81.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Successive losses.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Unless the policy provides otherwise, and subject to this Act, the insurer is liable for successive losses, even thoug
h the total amount of such losses may exceed the sum insured.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
Subject to Subsection (3), where, under the same policy, a partial loss that has not been repaired or otherwise made good is followed by a total loss, the assured can recover only in respect of the total loss.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 This section does not affect the liability of the insurer under the \'93suing and labouring\'94 clause.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 82.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Suing and labouring clause.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where the policy contains a \'93suing and labouring\'94 clause\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the engagement entered into by the clause shall be deemed to be supplementary to the contract of insurance; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 the assured may recover from the insurer any expenses properly incurred under the clause, notwithstanding that\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid7026769 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 the insurer has paid for a total loss; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 the subject-matter has been warranted free from particular average, wholly or under a certain percentage.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 General average losses and contributions and salvage charges within the meaning of this Act are not recoverable under the suing and labouring clause.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
Expenses incurred for the purpose of averting or diminishing any loss not covered by the policy are not recoverable under the suing and labouring clause.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 It is the duty of the assured and his agents to take such measures as are reasonable for the purpo
se of averting or minimizing a loss.
\par }\pard\plain \ltrpar\s47\qc \li0\ri0\sb120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs48\fs24\insrsid7026769 Division 2.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
\par Rights of Insurer on Payment of Loss.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 83.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Right of subrogation.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where the insurer pays for a total loss of the whole, or, in the case of goods, of any apportionable part, of the subject-matter insured\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
he is entitled to take over the interest of the assured in whatever remains of the subject-matter so paid for; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 he is subrogated to all the rights and remedies of the assured in and in respect of that subject-matter as from the time of the casualty causing the loss.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subject to the preceding provisions of this Act, where the insurer pays for a partial loss\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
he acquires no title to the subject-matter insured, or such part of it as remains; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 
he is subrogated to all rights and remedies of the assured in and in respect of the subject-matter insured, as from the time of the casualty causing the loss, so far as the assured has been indemnified in accordance with this Act, by the payment for the l
oss.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 84.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Over-insurance.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
Where the assured is over-insured by double insurance within the meaning of Section 34(1), each insurer is bound, as between himself and the other insurers, to contribute rateably to the loss in proportion to the amount for whic
h he is liable under his contract.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 If an insurer pays more than his proportion of the loss, he is entitled\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
to maintain an action for contribution against the other insurers; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 to the same remedies as a surety who has paid more than his proportion of the debt.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 85.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Under-insurance.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 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 shall be deemed to be his own insurer in respect of the uninsured balance.

\par }\pard\plain \ltrpar\s85\qc \li0\ri0\sb120\keepn\pagebb\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs84\fs24\insrsid7026769 PART VII. \endash  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 RETURN OF PREMIUM.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 86.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Enforcement of return.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 Where the premium, or a proportionate part of it, is declared by this Act to be returnable\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
it may, if already paid, be recovered by the assured from the insurer; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 it may, if unpaid, be retained by the assured or his agent.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 87.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Return by agreement.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 Where the policy contains a stipulation for the return of the premium, or a proportionate
 part of it, on the happening of a certain event, and that event happens, the premium, or the proportionate part of it, as the case may be, is returnable to the assured.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 88.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Return for failure of consideration.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the consideration for the payment of the premium totally fails; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 there has been no fraud or illegality on the part of the assured or his agent,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the premium is returnable to the assured.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the consideration for the payment of the premium is apportionable; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 there is a total failure of any apportionable part of it,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
a proportionate part of the premium is, if there has been no fraud or illegality on the part of the assured or his agent, returnable to the assured.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 In particular\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
where the policy is void, or is avoided by the insurer as from the commencement of the risk\endash the premium is, subject to Subsection (4), returnable, if there has been no fraud or illegality on the part of the assured; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 subject to Paragraph (c), where the subject-matter insured, or a part of it, has never been imperilled\endash the premium, or a portionate part of it, as the case may be, is returnable; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 where the subject-matter has been insured \'93lost or not lost\'94 and has arrived in safety at the time when the contract is concluded\endash 
the premium is not returnable unless, at that time, the insurer knew of the safe arrival; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 where the assured has no insurable interest throughout the currency of the risk\endash the premium is returnable, except in the case of a policy effected by way of gaming or wagering; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 e}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 where the assured has a defeasible interest that is terminated during the currency of the risk\endash the premium is not returnable; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 f}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 where the assured has over-insured under an unvalued policy\endash a proportionate part of the premium is returnable; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 g}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 subject to the preceding provisions of this Act and to Subsection (5), where the assured has over-insured by double insurance\endash a proportionate part of the several premiums is returnable.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 If in a case to which Subsection (3)(a) applies the risk is not apportionable and has once attached, the premium is not returnable.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (5) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 If in a case to which Subsection (3)(g) applies\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the policies are effected at different times and\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid7026769 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 any earlier policy has at any time borne the entire risk; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid7026769 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 a claim has been paid on the policy in respect of the full sum insured by it,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
no premium is returnable in respect of the policy; or
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the double insurance is effected knowingly by the assured\endash no premium is returnable.
\par }\pard\plain \ltrpar\s85\qc \li0\ri0\sb120\keepn\pagebb\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs84\fs24\insrsid7026769 PART VIII. \endash  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 MUTUAL INSURANCE.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 89.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Mutual insurance.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where two or more persons mutually agree to insure each other against marine losses, there is said to be a mutual insurance.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 The provisions of this Act relating to t
he premium do not apply to mutual insurance, but a guarantee, or such other arrangement as is agreed on, may be substituted for the premium.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 The provisions of this Act, so far as they are modified by the agreement of the parties, may in the case of mut
ual insurance be modified by\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
the terms of the policies issued by the association; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 the rules and regulations of the association.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subject to the exceptions referred to in this section, this Act applies to a mutual insurance.
\par }\pard\plain \ltrpar\s85\qc \li0\ri0\sb120\keepn\pagebb\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs84\fs24\insrsid7026769 PART IX. \endash  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 MISCELLANEOUS.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 90.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Ratification by assured.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 Where a contract of marine insurance is effected in good faith by one person on behalf of another, the person on whose behalf it is effected may ratify the contract even after he is a aware of a loss.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 91.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Variation of implied obligations.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where any right, duty or liability would arise under a contract of marine insurance by implication of law, it may be negatived or varied\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 by express agreement; or

\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid7026769 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid7026769 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 by usage, if the usage is such as to bind both parties to the contract.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Subsection (1) extends to any right, duty or liability declared by this Act that may be lawfully modified by agreement.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid7026769 92.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid7026769 Reference to slip or cover note.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 Where a policy has been issued in accordance with this Act, this Act does not prevent reference being made in legal proceedings to the slip or cover note or other customary memorandum of a contract of marine insurance.
\par }\pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \sect 
}\sectd \ltrsect\binfsxn2\binsxn2\linex0\headery1000\footery1000\endnhere\sectdefaultcl\sftnbj {\headerl \ltrpar \ltrrow\trowd \irow0\irowband0\lastrow \ltrrow\ts11\trleft-720\trkeep\trftsWidth1\tblind-720\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl
\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth1440\clshdrawnil \cellx720\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth7920\clshdrawnil \cellx8640
\pard\plain \ltrpar\s59\qj \li0\ri0\widctlpar\intbl\tqc\tx4153\tqr\tx8306\wrapdefault\faauto\rin0\lin0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\field{\*\fldinst {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769  IF }{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769  STYLEREF "Schedule No" \\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\lang1024\langfe1024\noproof\insrsid13833723 2}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769  > 0   "Sch. }{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\insrsid7026769 STYLEREF "Schedule No" \\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\lang1024\langfe1024\noproof\insrsid13833723 2}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 
\ltrch\fcs0 \b\fs24\insrsid7026769 " "" \\* MERGEFORMAT}}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\lang1024\langfe1024\noproof\insrsid13833723 Sch. 2}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \fs24\insrsid7026769 \cell }\pard \ltrpar\s59\qc \li0\ri0\widctlpar\intbl\tqc\tx4153\tqr\tx8306\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \i\fs24\insrsid7026769 Marine Insurance 9999}{\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \fs24\insrsid7026769 \cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \trowd \irow0\irowband0\lastrow \ltrrow\ts11\trleft-720\trkeep\trftsWidth1\tblind-720\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl
\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth1440\clshdrawnil \cellx720\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth7920\clshdrawnil \cellx8640\row 
}\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
\par }}{\headerr \ltrpar \ltrrow\trowd \irow0\irowband0\lastrow \ltrrow\ts11\trleft720\trkeep\trftsWidth1\tblind720\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth7920\clshdrawnil 
\cellx8640\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth1440\clshdrawnil \cellx10080\pard\plain \ltrpar\s59\qc \li0\ri0\widctlpar\intbl\tqc\tx4153\tqr\tx8306\wrapdefault\faauto\rin0\lin0 
\rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \i\fs24\insrsid7026769 Marine Insurance 9999}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \cell 
}\pard \ltrpar\s59\qr \li0\ri0\widctlpar\intbl\tqc\tx4153\tqr\tx8306\wrapdefault\faauto\rin0\lin0 {\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769  IF }{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\insrsid7026769  STYLEREF "Schedule No" \\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\lang1024\langfe1024\noproof\insrsid13833723 2}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 
\ltrch\fcs0 \b\fs24\insrsid7026769  > 0   "Sch. }{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769 STYLEREF "Schedule No" \\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\lang1024\langfe1024\noproof\insrsid13833723 2}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid7026769 " "" \\* MERGEFORMAT}}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\lang1024\langfe1024\noproof\insrsid13833723 Sch. 2}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
\trowd \irow0\irowband0\lastrow \ltrrow\ts11\trleft720\trkeep\trftsWidth1\tblind720\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth7920\clshdrawnil \cellx8640\clvertalt\clbrdrt
\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth1440\clshdrawnil \cellx10080\row }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 
\par }}\pard\plain \ltrpar\s99\qc \li0\ri0\sb240\pagebb\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 SCHEDULE }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs100\fs24\insrsid7026769 1}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  \endash  Form of Marine Policy.
\par }\pard\plain \ltrpar\s101\qr \li0\ri0\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
Sec. 32(1).
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sb480\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 LLOYD\rquote s S.G. POLICY.
\par BE IT KNOWN THAT . . . as well in . . . own name as for and in the name and names of all and every other person or persons to whom the same doth, may, or shall appertain, in part or in all doth make assurance and cause . . . and them, 
and every of them, to be insured lost or not lost, at and from . . . Upon any kind of goods and merchandises, and also upon the body, tackle, apparel, ordnance, munition, artillery, boat, and other furniture, of and in the good ship or vessel called the .
 
. . whereof is master under God, for this present voyage, . . . or whosoever else shall go for master in the said ship, or by whatsoever other name or names the said ship, or the master thereof, is or shall be named or called; beginning the adventure upon
 
the said goods and merchandises from the loading thereof aboard the said ship, . . . upon the said ship, etc. . . . and so shall continue and endure, during her abode there, upon the said ship, etc., and further, until the said ship, with all her ordinanc
e
, tackle, apparel, etc., and goods and merchandises whatsoever shall be arrived at . . . upon the said ship, etc., until she hath moored at anchor twenty-four hours in good safety; and upon the goods and merchandises, until the same be there discharged an
d
 safely landed. And it shall be lawful for the ship, etc., in this voyage, to proceed and sail to and touch and stay at any ports or places whatsoever without prejudice to this insurance. The said ship, etc., goods and merchandises, etc., for so much as c
oncerns the assured by agreement between the assured and assurers in this policy, are and shall be valued at . . .
\par Touching the adventures and perils which we the assurers are contented to bear and do take upon us in this voyage: they are of the seas, men o
f war, fire, enemies, pirates, rovers, thieves, jettisons, letters of mart and countermart, surprisals, takings at sea, arrests, restraints, and detainments of all kings, princes, and people, of what nation, condition, or quality soever, barratry of the m
a
sters and mariners, and of all other perils, losses and misfortunes, that have or shall come to the hurt, detriment, or damage of the said goods, and merchandises, and ship, etc., or any part thereof. And in the case of any loss or misfortune it shall be 
l
awful to the assured, their factors, servants and assigns, to sue, labour, and travel for, in and about the defence, safeguards, and recovery of the said goods and merchandises, and ship, etc., or any part thereof, without prejudice to this insurance; to 
t
he charges whereof we, the assurers, will contribute each one according to the rate and quantity of his sum herein assured. And it is especially declared and agreed that no acts of the insurer or insured in recovering, saving, or preserving the property i
n
sured shall be considered as a waiver, or acceptance of abandonment. And it is agreed by us, the insurers, that this writing or policy of assurance shall be of as much force and effect as the surest writing or policy of assurance heretofore made in Lombar
d
 Street, or in the Royal Exchange, or elsewhere in London. And so we, the assurers, are contented, and do hereby promise and bind ourselves, each one for his own part, our heirs, executors, and goods to the assured, their executors, administrators, and as
signs, for the true performance of the premises, confessing ourselves paid the consideration due unto us for this assurance by the assured, at and after the rate of . . .
\par IN WITNESS whereof we, the assurers, have subscribed our names and sums assured in London.
\par }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs51\i\fs24\insrsid7026769 N.B}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 .\endash Corn, fish, salt, fruit, flour, and seed are warranted free from average, unless general, or the ship be stranded
\endash sugar, tobacco, hemp, flax, hides and skins are warranted free from average, under five per centum, and all other goods also the ship and freight, are warranted free from average, under three per centum unless general, or the ship be stranded.

\par }\pard\plain \ltrpar\s99\qc \li0\ri0\sb240\pagebb\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid7026769 SCHEDULE }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs100\fs24\insrsid7026769 2}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  \endash  Rules for construction of marine policies.
\par }\pard\plain \ltrpar\s101\qr \li0\ri0\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
Sec. 32(2).
\par }\pard\plain \ltrpar\s33\qj \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs34\fs24\insrsid7026769 Sch. 2.1.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769   \'93Lost or not lost\'94.
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
Where the subject-matter is insured \'93lost or not lost\'94, and the loss has occurred before the contract is concluded, the risk attaches unless, at that time, the assured was aware of the loss, and the insurer was not.
\par }\pard\plain \ltrpar\s33\qj \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs34\fs24\insrsid7026769 Sch. 2.2.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \'93From\'94.
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
Where the subject-matter is insured \'93from\'94 a particular place, the risk does not attach until the ship starts on the voyage insured.
\par }\pard\plain \ltrpar\s33\qj \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs34\fs24\insrsid7026769 Sch. 2.3.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \'93At and from\'94.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs108\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where a ship is insured \'93at and from\'94 a particular place, and she is at that place in good safety when the contract is concluded, the risk attaches immedia
tely.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs108\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
If the ship be not at that place when the contract is concluded the risk attaches as soon as she arrives there in good safety, and, unless the policy otherwise provides, it is immaterial that she is covered by another policy for a specified time 
after arrival.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs108\fs24\insrsid7026769 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where chartered freight is insured \'93at and from\'94
 a particular place, and the ship is at that place in good safety when the contract is concluded, the risk attaches immediately, and if she is not there when the contract is concluded, the risk attaches as soon as she arrives there in good safety.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs108\fs24\insrsid7026769 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Where freight, other than chartered freight, is payable without special conditions and is insured \'93at and from\'94
 a particular place, the risk attaches pro rata as the goods or merchandise are sh
ipped, but if there is in readiness cargo that belongs to the shipowner, or that some other person has contracted with him to ship, the risk attaches as soon as the ship is ready to receive the cargo.
\par }\pard\plain \ltrpar\s33\qj \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs34\fs24\insrsid7026769 Sch. 2.4.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \'93From the loading thereof\'94.
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
Where goods or other movables are insured \'93from the loading thereof\'94, the risk does not attach until the goods or movables are actually on board, and the insurer is not liable for them while in transit from the shore to the ship.
\par }\pard\plain \ltrpar\s33\qj \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs34\fs24\insrsid7026769 Sch. 2.5.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \'93Safely landed\'94.
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
Where the risk on goods or other movables continues until they are \'93safely landed\'94, they shall be landed in the customary manner and within a reasonable time after arrival at the port of discharge, and if they are not so landed the risk ceases.

\par }\pard\plain \ltrpar\s33\qj \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs34\fs24\insrsid7026769 Sch. 2.6.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Touch and stay.
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
In the absence of any further licence or usage, the liberty to touch and stay \'93at any port or place whatsoever\'94 does not authorize the ship to depart from the course of her voyage from the port of departure to the port of destination.
\par }\pard\plain \ltrpar\s33\qj \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs34\fs24\insrsid7026769 Sch. 2.7.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \'93Perils of the seas\'94.
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
The term }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93perils of the seas\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
 refers only to fortuitous accidents or casualties of the seas, and does not include the ordinary action of the winds and waves.
\par }\pard\plain \ltrpar\s33\qj \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs34\fs24\insrsid7026769 Sch. 2.8.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \'93Pirates\'94.
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
The term }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93pirates\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  includes passengers who mutiny and rioters who attack the ship from the shore.
\par }\pard\plain \ltrpar\s33\qj \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs34\fs24\insrsid7026769 Sch. 2.9.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \'93Thieves\'94.
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
The term }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93thieves\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  does not cover clandestine theft or a theft committed by any one of the ship\rquote 
s company, whether crew or passenger.
\par }\pard\plain \ltrpar\s33\qj \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs34\fs24\insrsid7026769 Sch. 2.10.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Restraint of princes.
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
The term }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93arrests, etc., of kings, princes, and people\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
 refers to political or executive acts, and does not include a loss caused by riot or by ordinary judicial process.
\par }\pard\plain \ltrpar\s33\qj \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs34\fs24\insrsid7026769 Sch. 2.11.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \'93Barratry\'94.
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
The term }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93barratry\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  includes every wrongful act wilfully committed by the
 master or crew to the prejudice of the owner, or, as the case may be, the charterer.
\par }\pard\plain \ltrpar\s33\qj \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs34\fs24\insrsid7026769 Sch. 2.12.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \'93All other perils\'94.
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
The term }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93all other perils\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  includes only perils similar in kind to the perils specifically mentioned in the policy.

\par }\pard\plain \ltrpar\s33\qj \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs34\fs24\insrsid7026769 Sch. 2.13.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \'93Average unless general\'94.
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
The term }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93average unless general\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
 means a partial loss of the subject-matter insured other than a general average loss, and does not include \'93particular charges\'94.
\par }\pard\plain \ltrpar\s33\qj \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs34\fs24\insrsid7026769 Sch. 2.14.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 Stranding.
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
Where the ship has stranded, the insurer is liable for the 
excepted losses even though the loss is not attributable to the stranding, if when the stranding takes place the risk has attached and, in the case of a policy on goods, the damaged goods are on board.
\par }\pard\plain \ltrpar\s33\qj \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs34\fs24\insrsid7026769 Sch. 2.15.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \'93Ship\'94.
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
The term }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93ship\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769  includes the hull, m
aterials and outfit, stores and provisions for the officers and crew, and in the case of vessels engaged in a special trade the ordinary fittings requisite for the trade, and also, in the case of a steam-ship, the machinery, boilers, and coals and engine 
stores, if owned by the assured.
\par }\pard\plain \ltrpar\s33\qj \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs34\fs24\insrsid7026769 Sch. 2.16.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \'93Freight\'94.
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
The term }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93freight\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
 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\plain \ltrpar\s33\qj \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs34\fs24\insrsid7026769 Sch. 2.17.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 \'93Goods\'94.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs108\fs24\insrsid7026769 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 The term }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid7026769 \'93goods\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 
 means goods in the nature of merchandise, and does not include personal effects or provisions and stores for use on board.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs108\fs24\insrsid7026769 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid7026769 In the absence of any usage to the contrary, deck cargo and living animals shall be insured specifically, and not under the general denomination of goods.
\par 
\par 
\par Office of Legislative Counsel, PNG
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