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12.1 在每一次单独事故或事件中，承保危险造成的损失索赔，除非累计金额（包括根据第7，9，11和13条的索赔）超过 （约定的免赔额），保险人不予赔偿，在超过该免赔额的情况下，该金额应从赔偿总额中扣除。但是，搁浅后检查船底的费用，若是专门为检查目的而合理发生的，即使经检查未发现任何损坏，也应给予赔偿。本第12.1 款对保险船舶的全损或推定全损索赔不适用，也不适用于根据第13条，与同一事故或事件产生的此种全损或推定全损赔偿相关的索赔。
12.2 除了从第三方所得到赔偿所包含的利息外，对于适用上述免赔额的保险索赔从第三方得到的赔偿，在未扣减自第三方获得的赔偿累计索赔总额超过该免赔额部分应全部给予保险人。
12.3 从第三方得到的赔偿所包含的利息，应考虑保险人已付保险赔偿金额和赔付日期，在被保险人与保险人之间分配，尽管加上利息后，保险人可能获得大于其已赔付的保险赔偿的金额。
第13条 被保险人义务（施救费用）条款
13 DUTY OF ASSURED (SUE AND LABOUR)
13.1 In case of any loss or misfortune it is the duty of the Assured and their servants and agents to take such measures as may be reasonable for the purpose of averting or minimising a loss which would be recoverable under this insurance.
13.2 Subject to the provisions below and to Clause 12 the Underwriters will contribute to charges properly and reasonably incurred by the Assured their servants for such measures. General average, salvage charges (except as provided for in Clause 13.5) collision defense or attack costs and costs incurred by the Assured in avoiding, minimising or contesting liability covered by Clause 9 are not recoverable under this Clause 13.
13.3 Measures taken by the Assured or the Underwriters with the object of saving , protecting or recovering the subject-matter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party.
13.4 When expenses are incurred pursuant to this Clause 13 the liability under this insurance shall not exceed the proportion of such expenses that the amount insured hereunder bears to the value of the Vessel as stated herein, or to the sound value of the Vessel at the time of the occurrence giving rise to the expenditure if the sound value of exceeds that value. Where the Underwriters have admitted a claim for total loss and property insured by this insurance is saved, the foregoing provisions shall not apply unless the expenses of suing and labouring exceed the value of such property saved and then shall apply only to the amount of the expenses which is in excess of such value.
13.5 When a claim for total loss of the Vessel is admitted under this insurance and expenses have been reasonably incurred in saving or attempting to save the Vessel and other property and there are no proceeds, or the expenses exceed the proceeds, then this insurance shall bear its pro rata share of such proportion of the expenses, or of the expenses in excess of the proceeds, as the case may be, as may reasonably be regarded as having been incurred in respect of the Vessel; but if the Vessel be insured for less than its sound value at the time of the occurrence giving rise to the expenditure, the amount recoverable under this clause shall be reduced in proportion to the under-insurance.
13.6 The sum recoverable under this Clause 13 shall be in addition to the loss otherwise recoverable under this insurance but shall in no circumstances exceed the amount insured under this insurance in respect of the Vessel.
13.1 若发生任何灭失或灾难，被保险人及其雇员和代理人有义务采取合理措施，以便避免或减轻根据本保险可获赔偿的损失。
13.2 依据以下条款和第12条各项规定，保险人将补偿由被保险人，其雇员或代理人因此种措施而适当、合理地产生的费用。共同海损，救助费用（除第13.5款规定者外）碰撞抗辩或诉讼费用，及被保险人为避免、减轻或抗辩第9条承保的责任而发生的费用，均不能根据本第13条获得赔偿。
13.3 被保险人或保险人为拯救，保护和恢复保险标的而采取的措施，不应视为放弃或接受委付，或者有损于任何一方的权利。
13.4 对根据第13条产生的费用，本保险的赔偿责任，不超过此种费用占约定保险金额与约定保险船舶价值的比例部分；如果发生该费用时船舶完好价值超过约定的保险价值，则不超过此种费用占约定保险金额与该完好价值的比例部分；假如保险人已经认可全损索赔，而本保险中的保险财产又获救时，上述规定不适用，除非施救费用超过此种获救财产的价值，那么，上述规定是仅适用于超过获救价值的施救费用。
13.5 当根据本保险已认可保险船舶的全损索赔，为拯救或企图拯救保险船舶和其他财产已合理产生费用但无收益，或该费用已超过收益时，本保险应按比例赔偿该费用，或超过收益的费用中按具体情况确定为保险船舶合理产生的那部分费用；但是如果保险船舶按低于其引起此种费用的事故发生时的完好价值投保，根据本条可获得的赔偿数额，应按其不足额保险部分的比例进行赔偿。
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