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A pro rata daily net return of premium shall be made provided that 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.
5 终止
本保险的任何条款，不论是手写的，打印的还是印刷的，凡与本条不一致者，均以本条为准。
除非保险人书面另行同意，本保险在下列情况发生时自动终止：
5.1 保险船舶的船级社变更，或其船级变更、暂停、终止、撤回或期满，或船级社的定期检验过期，除非船级社同意延期进行此种检验，但如果船舶在海上，此种自动终止应延迟到船舶抵达一港口时。然而，如果此种船级变更、暂停、终止、撤回，或定期检验过期，是由本保险第6条承保的灭失或损害造成的，或是由根据现行协会船舶战争险和罢工险定期保险条款承保的灭失或损害引起的，此种自动终止，仅于船舶未经船级社事先同意在下一港口开航时，或在定期检验过期的情况下，船级社未同意延期进行此种检验时，才生效。
5.2 自愿或以其他方式变更船舶所有权或船旗，转级新的管理人，光船出租或被征购、征用，但如果船上载有货物且已从装货港开航，或在海上空载航行，经要求，此种自动终止应延迟，直至船舶继续其计划航程，载货船舶到达最后卸货港为止，空载船舶到达目的港为止。不过，如果征购、征用未事先与被保险人签订书面协议，那么无论船舶是在海上还是在港内，此种自动终止将在船舶被征用后15天生效。
净保险费按比例退还，但以在本保险承保期间或其延展期间保险船舶未发生全损为条件，不论全损是否由承保危险造成。
第6条 危险条款
6 PERILS
6.1 This insurance covers total loss (actual or constructive) of the subject-matter insured caused by
6.1.1 perils of the seas rivers lakes or other navigable waters
6.1.2 fire, explosion
6.1.3 violent theft by persons from outside the Vessel
6.1.4 jettison
6.1.5 piracy
6.1.6 contact with land conveyance, dock or harbour equipment or installation
6.1.7 earthquake volcanic eruption or lightning
6.1.8 accidents in loading discharging or shifting cargo or fuel
6.2 This insurance covers total loss (actual or constructive) of the subject-matter insured caused by
6.2.1 bursting of boilers breakage of shafts or any latent defect in the machinery or hull
6.2.2 negligence of Master Officers Crew or Pilots
6.2.3 negligence of repairers or charterers provided such repairers or charterers are not an Assured hereunder
6.2.4 barratry of Master Officers or Crew
6.2.5 contact with aircraft, helicopters or similar objects, or objects falling therefrom provided such loss has not resulted from want of due diligence by the Assured, Owners, Managers or Superintendents or any of their onshore management.
6.3 Masters Officers Crew or Pilots not to be considered Owners within the meaning of this Clause 6 should they hold shares in the Vessel.
6.4 This insurance covers:
6.4.1 General Average, Salvage and Salvage Charge recoverable under the insurances on hull and machinery but not recoverable in full by reason of the difference between the insured value of the Vessel as stated therein (or any reduced value arising from the deduction therefrom in process of adjustment of any claim which law or practice or the terms of the insurance covering hull and machinery may have required) and the value of the Vessel adopted for the purpose of contribution to general average, salvage or salvage charges, the liability under this insurance being for such proportion of the amount not recoverable as the amount insured hereunder bears to the said difference or to the total sum insured against excess liabilities if it exceed such difference.
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