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19.2 No claim for constructive total loss based upon the cost of recovery and/or repair of the Vessel shall nation only the cost relating to a single accident or sequence of damages arising from the same accident shall be taken into account.
19.1 在确定船舶是否构成推定全损时，船舶的保险价值应以船舶修理后的价值为准，不应考虑船舶或残骸的受损或解体价值。
19.2 基于保险船舶的恢复和/或修理费用不能据此得到赔偿，除非此种费用已超过保险价值。在作此项决定时，仅应考虑与单一事故或由于同一事故引起的后续损害赔偿有关的费用。
第20条 船舶营运费用保证条款
20 DISBURSEMENTS WARRANTY
20.1 Additional insurance as follows are permitted:
20.1.1 Disbursements, Managers’ Commissions, Profits or Excess or Increased Value of Hull and Machinery. A sum not exceeding 25% of the value stated herein.
20.1.2 Earnings or Anticipated Freight, insured for time. A sum not exceeding 25% of the value as stated herein less any sum insured, however described, under 20.1.1.
20.1.3 Freight or Hire, under contracts for voyage. A sum not exceeding the gross freight or hire of the first passage and next succeeding cargo passage plus the charges of insurance. In the case of a voyage charter where payment is made on a time basis, the sum permitted for insurance will be calculated on the estimated duration of the voyage, subject to the limitation of two cargo passages as laid down herein. Any sum insured under 20.1.2 to be taken into account and only the excess thereof may be insured.
20.1.4 Time Charter Hire or Charter Hire for Series of Voyages. A sum not exceeding 50% of the gross hire which is to be earned under the charter in a period not exceeding 18 months. Any sum insured under 20.1.2.to be taken into account and only the excess thereof may be insured. Insurance under this Section may begin on the signing of the charter.
20.1.5 Premiums. A sum not exceeding the actual premiums of all interests insured for a period not exceeding 12 months (exceeding premiums insured under the foregoing sections but including, if required, the premium or estimated calls on any Club or War etc. Risk insurance) reducing pro rata monthly.
20.1.6 Returns of Premium. A sum not exceeding the actual returns which are allowable under any insurance but which would not be recoverable thereunder in the event of a total loss of the Vessel whether by insured perils or otherwise.
20.1.7 Insurance irrespective of amount against:
Any risks excluded by Clauses 5, 22, 23, 24 and 25.
20.2 Warranted that no insurance on any interests enumerated in the foregoing 20.1.1.to 20.1.6 in excess of the amounts permitted therein and no other insurance which includes total loss of the Vessel P.P.I., F.I.A., or subject to any other like term, is or shall be defected to operate during the currency of this insurance by or for account of the Assured, Owners, Managers or Mortgagees. Provided always that a breach of this warranty shall not afford the Underwriters any defense to a claim by a Mortgagee who has accepted this insurance without knowledge of such breach.
20.1 允许下列各项附加保险：
20.1.1 营运费用，管理人的佣金，利润或船壳或机器的超值或增值。其金额不得超过载明保险价值的25％。
20.1.2定期投保的已赚取的或预期运费。其金额不得超过载明保险价值的25％扣除第20.1.1项内已投保的保险金额。
20.1.3 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（如经要求，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20.1.2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，且应从中扣除已预收或赚取的总运费或租金。
20.1.4期租租金或连续航次租金。其金额不得超过租船合同下在18个月以内可收取的总租金的50％。根据第20.1.2项的投保金额应予考虑，仅其超额部分可以保险。根据本项的保险可以自签订租船合同时开始。
20.1.5 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）。
20.1.6 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。
20.1.7 不受保险金额限制的保险。被第5，22，23，24和25条除外的任何风险。
20.2 保证上述第20.1项至第20.6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间内安排的或将安排的包括保险船舶的“保险单证明的利益”（P.P.I. Policy Proof of Interest ）“许可金额的利益”（F.I.A. Full Interest Admitted）；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。
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