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第15条 被保险人义务条款
15 DUTY OF ASSURED
15.1 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 minimizing a loss which would be recoverable under this insurance.
15.2 Subject to provisions below and to Clause 12 the Underwriters will contribute to charges properly and reasonably incurred by the Assured their servants or agents for such measures. General average , salvage charges, collision defense or attack costs and costs incurred by the Assured in contesting liability covered Clause 11.2 are not recoverable under this Clause 15.
15.3 The Assured will render to the Underwriters all possible aid in obtaining information and evidence should the Underwriters desire to take proceedings at their own expense and for their own benefit in the name of the Assured to recover compensation or to secure an indemnity from any third party in respect of anything covered by this insurance.
15.4 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.
15.5 The sum recoverable under this Clause 15 shall be in addition to the loss otherwise recoverable under this insurance but in no circumstances shall amounts recoverable under Clause 15.2 exceed the sum insured under this insurance in respect of the Vessel.
15.1 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。
15.2 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， 碰撞抗辩或诉讼费用及被保险人抗辩第11.2 款而发生的费用， 均不能根据本第15条获得赔偿。
15.3要是保险人为自身利益以被保险人名义自费向第三方提起关于本保险承保的任何事项的诉讼，被保险人应给予保险人一切可能的帮助以便获得信息和证据，以便保险人可以从第三方获得赔偿或保全赔偿。
15.4 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。
15.5 根据本第15条可获赔偿的数额，应在本保险负责赔偿的其他损失之外支付，但在任何情况下，根据15.2款可获赔偿的数额，不得超过保险船舶的保险金额。
本条与协会船舶定期保险条款第11条被保险人的义务条款（施救费用）极为相似。第15.1，15.2，15.4与15.5分别对应于ITC条款第11.1，11.2，11.3和11.6款，其解释参见上述第131至135页的评论。
游艇保险条款中删除的是有关不足额保险的条款，理由已在讨论第14条时提及，对商业船舶而言，相当特殊地扩展承保范围至全损索赔引起的全额损失。
第15.3款是游艇保险条款特有的，如果保险人希望行使对第三方的代位追偿权，该款规定被保险人有协助保险人的义务。
第16条 未修理的损害条款
16 UNREPAIRED DAMAGE
16.1 The measure of indemnity in respect of claims for unrepaired damage shall be the reasonable depreciation in the market value of the Vessel at the time this insurance terminates arising from such unrepaired damage, but not exceeding the reasonable cost of repairs.
16.2 In no case shall the Underwriters be liable for unrepaired damage in the event of a subsequent total loss (whether or not covered under this insurance) sustained during the period covered by this insurance or any extension thereof.
16.3 The Underwriters shall not be liable in respect of unrepaired damage for more than the insured value at the time this insurance terminates.
16.1 未修理的损害赔偿的赔偿限度， 应为本保险终止时的船舶市场价值此种未修理的损害引起的合理贬值， 但不得超过合理的修理费用
16.2 在任何情况下， 若随后在本保险期间内或本保险的延展期内发生全损（不论本保险是否承保该全损）， 保险人对未修理的损害不再负责。
16.3 保险人对未修理的损害的赔偿责任， 不应超过本保险终止时的保险价值。
本条与协会船舶定期保险条款第18条的规定完全相同。见第145至148页的解释。
第17条 推定全损条款
17 CONSTRUCTIVE TOTAL LOSS
17.1 In ascertaining whether the Vessel is a constructive total loss, the insured value shall be taken as the repaired value and nothing in respect of the damaged or break-up value of the Vessel or wreck shall be taken into account.
17.2 No claim for constructive total loss based upon the cost of recovery and/or repair of the Vessel shall be recoverable hereunder unless such cost would exceed the insured value. In making this determination, only the cost relating to a single accident or sequence of damages arising from the same accident shall be taken into account.
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