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4.4 loss damage or expense caused by inherent vice or nature of the subject-matter insured (保险标的的固有缺陷或性质引起的灭失、损害或费用)
4.5 loss damage or expense porximately caused by delay, even though the delay be caused by a risk insured against (except expenses payable under Clause 2 above)〖近因是迟延造成的损失、损害或费用，即便该迟延是由于某种承保危险引起的（但根据上述第2条支付的费用除外）〗
4.6 loss damage or expense arising from insolvency or financial default of the owners managers charterers or operators of the vessel(因船舶所有人、经理人、承租人或经营人的破产或财务困境产生的灭失、损害或费用)
4.7 deliberate damage to or deliberate destruction of the subject-matter insured or any part thereof by the wrongful act of any person or persons(任何人的非法行为对保险标的或其组成部分的故意损害或故意破坏)
4.8 loss damage or expense arising from the use of any weapon of war employing atomic or nuclear fission and /or fusion or other like reaction or radioactive force or matter(因使用原子或核裂变和/或聚变或其他类似反应或放射性力量或物质所制造的战争武器产生的损失、损害或费用)
第5条 不适航和不适运除外条款( Unseaworthiness and Unfitness Exclusion Clause)
5.1 In no case shall this insurance cover loss damage or expense arising from( 在任何情况下本保险均不承保下述原因所致的灭失、损害或费用)
Unseaworthiness of vessel or craft,( 船舶或驳船不适航)
Unfitness of vessel craft conveyance container or liftvan for the safe carriage of the subject-matter insured,( 船舶、驳船、运输工具、集装箱或托盘不适宜安全运送保险标的。）
Where the Assured or their servants are privy to such unseaworthiness or unfitness, at the time the subject-matter insured is loaded therein.( 如果在保险标的装上船时，被保险人或其雇员对此种不适航或不适运实际知情且同意之)
5.2 The Underwriters waive any breach of the implied warranties of seaworthiness of the ship and fitness of the ship to carry the subject-matter insured to destination, unless the Assured or their servants are privy to such unseaworthiness or unfitness.( 除非被保险人或其雇员对此种不适航或不适运实际知情并同意之，保险人放弃载运保险标的到目的港的船舶不得违反默示适航或适运保证。）
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