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provided such loss or damage has not resulted from want of due diligence by the Assured, Owners or Managers.
4.3 Master Officers Crew or Pilots not to be considered Owners within the meaning of this Clause 4 should they hold shares in the Vessel.
4 危险
4.1 本保险承保下列原因造成的保险标的的灭失或损害：
4.1.1.海上、江河、湖泊或其他可航水域的危险
4.1.2 火灾，闪电、爆炸
4.1.3 来自船舶外的人员的暴力盗窃
4.1.4 抛弃
4.1.5 海盗
4.1.6 核装置或核反应堆发生的故障或意外事故
4.1.7 与航空器或类似装置及其从上坠落的物体，陆上运输工具，码头，港口设备或装置的接触。
4.2 本保险承保下列原因造成的保险标的的灭失或损害：
4.2.1 装卸、搬移货物或燃料过程中的意外事故
4.2.2 锅炉破裂，尾轴断裂、或机器、船体的任何潜在缺陷
4.2.3 船长、高级船员、船员或引航员的过失
4.2.4 被保险人以外的修船人或承租人的过失
4.2.5 船长、高级船员、船员的欺诈恶行，如果此种灭失或损害并非由于被保险人、船东或管理人缺乏谨慎处理所致。
4.3 船长、高级船员、船员或引航员对保险船舶拥有股份的，不视为本第4条意义上的船东。
第5条 地震和火山爆发除外
5 Earthquake and Volcanic Eruption Exclusion
In no case shall this insurance cover loss damage liability or expenses caused by earthquake or volcanic eruption, This exclusion applies to all claims including claims under Clauses 7,9, 11 and 13.
在任何情况下，本保险均不承保因地震或火山爆发造成的灭失、损害、责任或费用。本条款除外适用于所有的索赔，包括根据第7条，第9条，第11条和第13条提出的索赔。
第6条 污染危险条款
6 Pollution Hazard
This insurance covers loss of or damage to the Vessel caused by any governmental authority acting under the powers vested in it to prevent or mitigate a pollution hazard, or threat thereof, resulting directly from damage to the Vessel for which the Underwriters are liable under this insurance, provided such act or governmental authority has not resulted from want of due diligence by the Assured, the Owners, or Managers of the Vessel or any of them to prevent or mitigate such hazard or threat. Master, Officers, Crew or Pilots not to be considered Owners within the meaning of this Clause6 should they hold shares in the Vessel.
本保险承保由于任何政府当局依其授权为防止或减少因保险船舶应由保险人负责的损害直接引起的污染危险或其威胁采取行动造成的保险船舶的损失或损害，如果政府当局的此种行为不足，由于保险船舶的被保险人，船东或管理人在防止或减轻此种危险或其威胁方面未能谨慎处理所致。若船长、高级船员或引航员持有保险船舶的股份，不视为本第6条意义上的船东。
第7条 碰撞责任
7 Collision Liability
7.1 The underwriters agree to indemnify the Assured for any sum or sums paid by the Assured to any other person or persons by reason of the Assured becoming legally liable by way of damages for
7.1.1 loss of or damage to any other vessel or property on any other vessel
7.1.2 delay to or loss of use of any such other vessel or property thereon
7.1.3 general average of, salvage of, or salvage under contract of, any such other vessel or property thereon,
where such payment by the Assured is in consequence of the Vessel hereby insured coming into collision with any other vessel.
7.2 The indemnity provided by this Clause 7 shall be in addition to the indemnity provided by the other terms and conditions of this insurance and shall be subject to the following provisions:
7.2.1 Where the insured Vessel is in collision with another vessel and both vessels are to blame then, unless the liability of one or both vessels becomes limited by law, the indemnity under this Clause 7 shall be calculated to the principle of cross-liabilities as if the respective Owners had been compelled to pay to each other such proportion of each other’s damages as may have been properly allowed in ascertaining the balance or sum payable by or to the Assured in consequence of the collision.
7.2.2 In no case shall the underwriters’ total liability under Clauses 7.1 and 7.2 exceed their proportionate part of the insured value of the Vessel hereby insured in respect of any one such collision.
7.3 The Underwriters will also pay the legal costs incurred by the Assured or which the Assured may be compelled to pay in contesting liability or taking proceedings to limit liability, with the prior written consent of the Underwriters.
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