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22． 船舶营运费用保证
22.1 允许下列各项附加保险：
22.1.1 营运费用、管理人和佣金、利润或船舶和机器的超价值或增价值：其金额不得超过载明保险价值的25％。
22.1.2 定期投保的运费、租船运费或预期运费：其金额不得超过载明保险价值的25％扣除第22.1.1项内已投保的保险金额。
22.1.3 航次合同下的运费或租金： 其金额不得超过本次及下次载货航程的毛运费或租金（如要求，本保险可以包括一个预备航次和一个中间空载航次在内）再加上保险费。对于定期支付运费的航次租船合同，可保金额应根据预计的租船期间计算，但须受上述两个载货航次的限制。根据第22.1.2项投保的保险金额应计入在内，可保金额仅限于其超额部分，且应从中扣除预收或赚取的总运费或租金。
22.1.4 船舶空载航行且未出租时的预期运费：其金额不得超过基于投保时运费率合理估算的下次载货航程的预计总运费，加上保险费。根据第22.1.2 项投保的金额应予考虑，仅其超额部分可以保险。
22.1.5期租租金或连续航次租金：其金额不得超过租船合同项下在18个月以内可收取的总租金的50％。根据第22.1.2项的投保金额应予考虑，仅其超额部分可以保险，而且应从中扣除根据租船合同已预收或已赚取的总租金的50％，但如果根据第22.1.2项及第22.1.5项的总保险金额不超过根据租船合同待收总租金的50％时，可不作上述扣减。根据本项的保险可以自签订租船合同时开始。
22.1.6 保险费。其金额不能超过逐月比例减少的任何保险利益投保不超过12个月的实际保险费（不包括上述各项所保的保险费，经要求可以包括任何保赔协会或战争等风险的保险费或估计的追加保险费）。
22.1.7 退还的保险费。其金额不得超过任何保险所允许的，但在保险船舶发生无论是否由承保风险所造成的全损时不予退回的实际退费。
22.1.8 不受保险金额限制的保险。下述第24条、25条、26条和27条除外的任何风险。
22.2 保证上述第22.1.1项至22.1.7项所列任何利益的保险不超过所允许的保险金额，并不得有由被保险人、船东、管理人或抵押权人或以其名义在本保险期内安排原或将安排的包括保险船舶的P.P.I., F.I.A.,或受任何其他类似条款制约的全损保险在内的其他保险。保险人不得以违反本保险为由，抗辩在接受本保险时不知道此项违反的抵押权人提出的索赔。
第23条 停泊和解约时的退费条款(Returns for lay-up and cancellation)
23 RETURNS FOR LAY-UP AND CANCELLATION
23.1 To return as follows:
23.1.1 pro rata monthly net for each uncommenced month if this insurance be cancelled by agreement,
23.1.2 for each period of 30 consecutive days the Vessel may be laid up in a port or in a lay-up area provided such port or lay-up area is approved by the Underwriters
(a) per cent net not under repair
(b) per cent net under repair
23.1.3 The Vessel shall not be considered to be under repair when work is undertaken in respect of ordinary wear and tear of the Vessel and /or following recommendations in the Vessel’s Classification Society survey, but any repairs following loss of or damage to the Vessel or involving structural alterations, whether covered by this insurance or otherwise shall be considered as under repair.
23.1.4 If the Vessel is under repair during part only of a period for which a return is claimable, the return shall be calculated pro rata to the number of days under 23.1.2(a) and (b)respectively
23.2 PROVIDED ALWAYS THAT
23.2.1 a total loss of the Vessel, whether by insured perils or otherwise, has not occurred during the period covered by this insurance or any extension thereof
23.2.2 in no case shall a return be allowed when the Vessel is lying in exposed or unprotected waters, or in a port or lay-up area not approved by the Underwriters
23.2.3 loading or discharging operations or the presence of cargo on board shall not debar returns but no return shall be allowed for any period during which the Vessel is being used for the storage of cargo or for lightering purposes.
23.2.4 in the event of any amendment of the annual rate, the above rates of return shall be adjusted accordingly
23.2.5 in the event of any return recoverable under this Clause 23 being based on 30 consecutive days which fall on successive insurance effected for the same Assured, this insurance shall only be liable for an amount calculated at pro rata of the period rates 23.1.2(a) and /or(b) above for the number of days which come within the period of this insurance and to which a return is actually applicable. Such overlapping period shall run, at the option of the Assured, either from the first day on which the Vessel is laid up or the first day of a period of 30 consecutive days as provided under 23.1.2(a) or (b). above.
23 停泊和解约时的退费
23.1 按下列规定退还保险费：
23.1.1 若本保险经协议解除，每一未开始的月份的净保险费按月比例退还。
23.1.2 如果船舶在保险人认可的港口或停泊水域每次连续停泊30天
（a）未进行修理的，按净保险费 ％计算
（b）进行修理的，按净保险费 ％计算。
23.1.3 对船舶正常损耗及/或按照船级社建议进行检验而进行的工作，船舶不应视为正在修理，但因船舶损坏或损害或涉及结构改动的任何修理，无论是否在本保险承保项下均应视为正在修理。
23.1.4 如果保险船舶修理期间，仅部分时间属于可退保险费期间，退费应分别按照第23.1.2(a)和(b)两项中的天数比例计算。
23.2 还应符合下列条件：
23.2.1 在本保险的保险期间内或其延续期间内未发生保险船舶的全损，不论是否由于承保危险所致。
23.2.2 若保险船舶停泊于暴露或无防护的水域，或停泊于未经保险人认可的港口或停泊区，则不予退费。
23.2.3 装卸作业或船上装有货物不影响退费，但保险船舶被用作贮藏或驳运货物的任何期间，不允许退费。
23.2.4 年保险费率修改时，上述保险费退回率也应作相应调整。
23.2.5 根据本条可得到的退费基于连续30天的停泊期跨越同一被保险人投保的连续保险时，本保险仅负责按照上述第23.1.2(a) 和 (b)两项规定的退费率，对属于本保险的保险期间内的实际停泊天数的比例计算出来的退费，被保险人有权选择此种重叠期应自保险船舶闲置的第一天开始起算，或自上述第23.1.2(a) 和(b)项规定的连续30天期间的第一天开始起算。
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