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1995年11月1日协会船舶全损定期保险条款/郭国汀译
1995年11月1日协会船舶全损定期保险条款（包括救助、救助费用和施救费用）
Institute Time Clauses,Hull-Total Loss Only
(including Salvage, Salvage Charges and Sue and Labour)
下述在List A项下的条款除了序号上不同外与1995年11月1日协会船舶定期保险条款（相应的序号如List B 所示）完全相同。
条款名称 List A List B
延续条款 2 2
违反保证条款 3 3
船级条款 4 4
被保险人的义务（施救费用）条款 9 11
推定全损条款 12 19
运费弃权条款 13 20
转让条款 14 21
船舶营运费用保证条款 15 22
停泊和解约时的退费条款 16 23
战争、罢工、恶意行为及放射性污染条款 17/20 24/27
不同的条款如下：
第1条 航行条款(Navigation)
1 NAVIGATION
1.1 The Vessel is covered subject to the provisions of this insurance at all times and has leave to sail or navigate with or without pilots, to go on trial trips and to assist and tow vessels or craft in distress, but it is warranted that the Vessel shall not be towed, except as is customary or to the first safe port or place when in need of assistance, or undertake towage or salvage services under a contract previously arranged by the Assured and/or Owners and /or Managers and /or Charterers. This Clause 1.1 shall not exclude customary towage in connection with loading and discharging.
1.2 This insurance shall not be prejudiced by reason of the Assured entering into any contract with pilots or for customary towage which limits or exempts the liability of the pilots and/or tugs and/or towboats and/or their owners when the Assured or their agents accept or are compelled to accept such contracts in accordance with established local law or practice.
1.3 The practice of engaging helicopters for the transportation of personnel, supplies and equipment to and /or from the Vessel shall not prejudice this insurance.
1.4 In the event of the Vessel being employed in trading operations which entail cargo loading or discharging at sea from or into another vessel (not being a harbour or inshore craft) no claim shall be recoverable under this insurance for loss of or damage to the Vessel from such loading or discharging operations, including whilst approaching, lying alongside and leaving, unless previous notice that the Vessel is to be employed in such operations has been given to the Underwriters and any amended terms of cover and any additional premium required by them have been agreed.
1.5 In the event of the Vessel sailing (with or without cargo) with an intention of being(a) broken up, or (b)sold for breaking up, any claim for loss of or damage to the Vessel occurring subsequent to such sailing shall be limited to the market value of the Vessel as scrap at the time when the loss or damage is sustained, unless previous notice has been given to the Underwriters and any amendments to the terms of cover, insured value and premium required by them have been agreed. Nothing in this Clause 1.5 shall affect claims under Clause 8.
1 航行
1.1 保险船舶在所有时间根据本保险的各项规定承保并许可在有或没有引航员的情况下开航或航行，试航及协助，拖带遇险船舶或驳船，但保证保险船舶不得被拖带，除非是习惯性的，或当需要协助时，被拖带至第1个安全港口或地点，也不得根据被保险人，船舶所有人、管理人和/或承租人事先安排原合同从事拖带或救助服务。但本1.1款不排除与装卸有关的习惯拖带。
1.2 本保险不因被保险人签订限制或免除引航员和/或拖船和/或其所有人责任的引航或习惯性拖带的任何合同而受损害，如果被保险人或其代理人根据既定的当地法律或惯例接受或被迫接受此种合同。
1.3 雇用直升飞机向保险船舶运送和/或从保险船舶运出人员，供应品或设备不损害本保险。
1.4 若保险船舶被雇用于在海上将货物装卸入他船（非港口或近岸驳船）或自他船装卸入本船的商业作业，由于此种装卸作业，包括两船驶近，并排停靠的驶离，造成保险船舶的灭失（或损害或对他船的责任）不得根据本保险索赔，除非保险船舶被雇用于此种作业前已通知保险人，且已同意保险人要求的修改承保条件及任何附加的保险费。
1.5 如果保险船舶开航（不论有无货载）旨在（a）拆船，或(b)为拆船而出售，那么对保险船舶在此种开航后发生的灭失或损害的任何索赔，应限于船舶灭失或损害时报废船舶的市场价值，除非事先已通知保险人，并已同意修改保险条款，保险价值和保险人要求的保险费。本第1.5款不影响根据第8条（和/或第10条）的索赔。
第5条 终止条款（Termination）
5 TERMINATION
This Clause 5 shall prevail notwithstanding any provision whether written typed or printed in this insurance inconsistent therewith.
Unless the Underwriters agree to the contrary in writing, this insurance shall terminate automatically at the time of
5.1 change of the Classification Society of the Vessel, or change, suspension, discontinuance, withdrawal or expiry of her Class therein, or any of the Classification Society’s periodic surveys becoming overdue unless an extension of time for such survey be agreed by the Classification Society, provided that if the Vessel is at sea such automatic termination shall be deferred until arrival at her next port. However where such change, suspension, discontinuance or withdrawal of her Class or where a periodic survey becoming overdue has resulted from loss or damage covered by Clause 6 of this insurance or which would be covered by an insurance of the Vessel subject to current Institute Time Clause Hulls or Institute War and Strikes Clauses Hulls-Time such automatic termination shall only operate should the Vessel sail from her next port without the prior approval of the Classification Society or in the case of a periodic survey becoming overdue without the Classification Society having agreed an extension of time for such survey,
5.2 any change, voluntary or otherwise, in the ownership or flag, transfer to new management, or charter on a bareboat basis, or requisition for title or use of the Vessel, provided that, if the Vessel has cargo on board and has already sailed from her loading port or is at sea in ballast, such automatic termination shall if required be deferred, whilst the Vessel continues her planned voyage, until arrival at final port of discharge if with cargo or at port of destination if in ballast. However, in the event of requisition for title or use without the prior execution of a written agreement by the Assured, such automatic termination shall occur fifteen days after such requisition whether the Vessel is at sea or in port.
A pro rata daily net return of premium shall be made provided that a total loss of the Vessel, whether by insured perils or otherwise, has not occurred during the period covered by this insurance or any extension thereof.
5 终止
本保险的任何条款，不论是手写的、打印的还是印刷的，凡与本条不一致者，均以本第5条为准。
除非保险人书面另行同意，本保险在下列情况发生时自动终止：
5.1 保险船舶的船级社变更，或其船级变更、暂停、终止、撤回或期满，或船级社的定期检验过期，除非船级社同意延期进行此种检验，但如果船舶在海上，此种自动终止应延迟至船舶抵达下一港口时。然而，如果此种船级变更、暂停、终止、撤回或期满或定期检验过期，是由本保险第6条承保的灭失或损害造成的，或者是由根据现行协会船舶定期保险条款或协会船舶战争险和罢工险定期保险条款承保的灭失或损害引起的，此种自动终止，仅于船舶未经船级社事先同意在下一港口开航时，或在定期检验过期的情况下，船级社未同意延期进行此种检验时，才生效。
5.2 自愿或以其他方式变更船舶所有权或船旗、转给新的管理人、光船出租或被征购、征用，但如果船上载有货物且已从装货港开航，或在海上空载航行，经要求，此种自动终止应延迟，直至船舶继续其计划航程，载货船舶到达最后卸货港为止，空载船舶到达目的港为止。不过，如果征购、征用未事先与被保险人签订书面协议，那么无论船舶是在海上还是在港内，此种自动终止将在船舶被征用后15天开始生效。
净保险费按日比例退还，但以在本保险期间或其延展期间保险船舶未发生全损为条件，不论全损是否由承保危险造成。
第6条 危险条款(Perils)
6 PERILS
6.1 This insurance covers total loss (actual or constructive) of the subject-matter insured caused by
6.1.1 perils of the seas rivers lakes or other navigable waters.
6.1.2 fire, explosion
6.1.3 violent theft by persons from outside the Vessel
6.1.4 jettison
6.1.5 piracy
6.1.6 contact with land conveyance, dock or harbour equipment or installation
6.1.7 earthquake volcanic eruption or lightning
6.1.8 accidents in loading discharging or shifting cargo or fuel
6.2 This insurance covers total loss (actual or constructive) of the subject-matter insured caused by
6.2.1 bursting of boilers breakage of shafts or any latent defect in the machinery or hull
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