|
（2）船壳或机器的潜在缺陷危险及任何人员的过失均在承保之列。但对‘发动机及其接管（不包括轴架或推进器）电器设备，电池接线的灭失或损害的索赔”除外。按照公认的英琪马丽条款的解释，有缺陷的另部件本身的损坏亦除外。
值得一提的是，对潜在缺陷引起的灭失或损害提供的承保并不扩展对船具和设备的潜在缺陷。因此，由于固定索具的某部件的潜在缺陷致使桅杆倒下造成的损害不能根据本保险索赔。
（3）对修理人的过失所致的损害提供的保险有一项例外，大意为将可获赔偿的范围限于由于此种过失造成的缺陷引起的间接损害，亦即，排除修理或更换因该过失引起的有缺陷另部件的费用。不过，如果修理人是为保险人的利益而进行修理，即为海损修理；该除外不适用。
第10条 除外条款
10． EXCLUSIONS
No claim shall be allowed in respect of any
10.1 outboard motor dropping off or falling overboard
10.2 ship’s boat having a maximum designed speed exceeding 17 knots, unless such boat is specially covered herein and subject also to the conditions of the Speedboat Clause 19 below, or is on the parent Vessel or laid up shore
10.3 ship’s boat not permanently marked with the name of the parent Vessel
10.4 sails and protective covers split by the wind or blown away while set, unless in consequence of damage to the spars to which sails are bent, or occasioned by the Vessel being stranded or in collision or contact with any external substance ( ice included) other than water
10.5 sails, masts, spars or standing and running rigging while the Vessel is racing, unless the loss or damage is caused by the Vessel being stranded, sunk, burnt, on fire or collision or contact with any external substance (ice included) other than water
10.6 personal effect
10.7 consumable stores, fishing gear or moorings
10.8 sheathing, or repairs thereto, unless the loss or damage has been caused by the Vessel being stranded, sunk, burnt, on fire or in collision or contact with any external substance (ice included other than water
10.9 loss or expenditure incurred in remedying a fault in design or construction or any cost or expense incurred by reason of betterment or alteration in design or construction
10.10 motor and connections ( but not strut shaft or propeller) electrical equipment and batteries and connections, where the loss or damage has been caused by heavy weather, unless the loss or damage has been caused by the Vessel being immersed, but this Clause 10.10 shall not exclude loss or damage caused by the Vessel being stranded or in collision or contact with another vessel, pier or jetty.
以下情况不得索赔
10.1 舷外挂机脱落或从舷外落入水中
10.2 有最大设计时速的船载救生艇航速超过17节， 除非在保险合同中特别承保并符合快艇条款第19条规定的条件或者载于母船之上或系泊于岸
10.3 船载救生艇非永久记载有母船名
10.4 固定的船帆或防护罩被风扯破或吹走， 除非是由于有船帆挂着的帆桁受到损害， 或船舶搁浅、碰撞、或与其他除水外的外物（包括冰）接触所致
10.5船舶航行时， 船帆、船桅、帆桁或静索与动索的灭失或损害， 除非该灭失或损害因船舶搁浅、沉没、烧毁、失火、碰撞或与其他除水外的外物（包括冰）接触所致
10.6 人为作用
10.7 易耗物料、捕捞设备或系泊属具
10.8 铠装物、维修物的灭失或损害， 除非因船舶搁浅、沉没、烧毁、失火、碰撞或与其他除水外的外物（包括冰）接触所致
10.9 弥补设计或建造中的缺陷而致的损失或费用或者设计或建造中的改良或改变而致的费用
10.10 由于恶劣天气所致的发动机、接管（非轴架或推进器）、电器设备、电池接线的灭失或损害， 除非该灭失或损害是由于船舶浸水导致；但本10.10款不排除船舶搁浅、碰撞或与另一船舶、码头、栈桥接触而导致的灭失或损害
本条除外的范围相当广泛，其中某些适用于灭失或损害的种类是游艇特别易受损害的，也是被保险人难以证明是由承保危险引起的。第10.4款便是一例，事实上本条的措辞是基于一项有200多年历史的劳氏古老的习惯，该习惯制约着评定固定的船帆被风扯破或吹走损害索赔。
第10.10款是对同一原则的现代的扩展规定。
第11条：对第三方责任条款
11 LIABILITY TO THIRD PARTIES
This Clause only to apply when a sum is stated for this purpose in the Schedule to the policy
11.1 The Underwriters agree to indemnify the Assured for any sum or sums which the Assured shall become legally liable to pay and shall pay, by reason of interest in the insured Vessel and arising out of accidents occurring during the currency of this insurance, in respect of
11.1.1 loss of or damage to any other vessel or property whatsoever
11.1.2 loss of life, personal injury or illness, including payments made for life salvage, caused on or near the Vessel or any other vessel
|
