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1997年3月1日协会船舶抵押权人利益保险条款/郭国汀译
1997年3月1日协会船舶抵押权人利益保险条款(Institute Mortgagees’ Interest Clauses, Hulls)
本保险受英国法律和惯例制约
This insurance is subject to English law and practice.
1 INSURING CLAUSE
1.1 This insurance will indemnify the Assured for loss resulting from loss of or damage to or liability of the Mortgaged Vessel which, in the absence of an Insured Peril set out in Clause 2. 1 below, would prima facie be covered by the Owner’Policies and Club Entries, and not excluded therein, but in respect of which there is subsequent non-payment (or reduced payment which is approved in advance by the Underwriters hereon) by any of the underwriters of Owners’Policies and Club Entries as a result of any Insured Peril, provided always that such Insured peril occurs or exists without the privity of the Assured.
1.2 The indemnity payable hereunder shall be
1.2.1 the amount of the Assured’s Net Loss and any auounts recoverable under Clause 6 herein, collectively not exceeding the Sum Insured on the Mortgaged Vessel, or
1.2.2 the amount of the unrecoverable claim or part thereof under any of the Owners’ Policies and Club Entries
whichever is the lesser amount.
1.3 All the above is subject to the Definitions, Exclusions, Warranties and Conditions below.
第1条 保险条款(Insuring Clause)
1 保险条款
1.1 若不存在下述第2.1款规定的承保危险，本保险将赔偿被保险人因抵押船舶的灭失，损害或责任引起的损失，该损失初步是由船东的保险单及互保协会的入会证书承保的，且不排除其中，但有关随后的拒赔（或保险人预先同意的，减额赔付(reduced payment),由于任何承保危险的结果，由船东的保险单和互保协会的入会证书的保险人，还需符合此种承保危险的发生或存在，没有被保险人的私谋。
1.2 下述赔偿的支付应当：
1.2.1 被保险人的净损失额及根据下述第6条可获赔偿的任何数额，累加不得超过抵押船舶的保险金额，或
1.2.2 不可获赔的金额或根据船东的保险单和互保协会的入会证书可获补偿的部分金额，以较低者为准。
1.3 上述所有的规定，均受下述定义、除外、保证和条件制约。
2 DEFINITIONS
2.1 Insured Perils
2.1.1 Avoidance of the Owners’ Policies and Club Entries or any of them by the underwriters thereof on the grounds of a misrepresentation or non-disclosure of any material circumstance, whether such misrepresentation or non-disclosure arises from the assured thereunder or any of such assured’s insurance agents or insurance brokers.
2.1.2 Breach of any statutory provision or any express or implied promissory warranty or condition, including without limitation
2.1.2.1 breach of any implied warranty of seaworthiness or legality,
2.1.2.2 breach of section 39(5) of the Marine Insurance Act of 1906,
2.1.2.3 breach of trading warranties contained in any of the Owners Policies and Club Entries,
2.1.2.4 breach of any warranty or condition in any of the Owners’ Policies and Club Entries in respect of the classification of the Mortgaged Vessel by the Classification Society or any failure to comply with the recommendations of such Society to the extent required by such warranty or condition
2.1.2.5 breach of any warranty or condition in any of the Owners’ Policies and Club Entries which requires compliance with any condition survey, structural survey or P&I Club survey requirements and pursuant to which clauses underwriters deny a claim,
2.1.2.6 breach of any warranty or condition in any of the Owners’ Policies and Club Entries in respect of the ownership, flag, management or charter on a bareboat basis of the Mortgaged Vessel,
2.1.3 failure by the assured under the hull and machinery policy or the owners, managers or superintendents of the vessel or any of their onshore management to exercise due diligence in respect of any loss or damage to the Mortgaged Vessel where such failure to exercise due diligence entitles the underwriters of the owner’s hull and machinery policy to deny a claim otherwise recoverable thereunder,
2.1.4 any deliberate or fraudulent casting away of or damage to the Mortgaged Vessel,
2.1.5 avoidance of a claim under any of the Owners’ Policies and Club Entries or any of the Owners’ Policies and Club Entries by reason of breach of the duty of good faith in respect of such claim, or
2.1.6 the operations of any applicable provision in any of the Owners’ Policies and Club Entries which provides for a time limitation on the presentation of claims,
2.1.7 in the event of the total loss of the Mortgaged Vessel, the final judgment or award of the courts or arbitration tribunal agreed to have jurisdiction under the express terms of Owners’ Policies and Club Entries (or in the event of there being no such express terms the competent court) following a contested hearing whereby the Owners’ claim is not recoverable under either Owners’ hull and machinery or war risks policies on the ground that the loss has not been proved to have been proximately caused by a peril insured under those policies and is not otherwise excluded from payment by an exclusion or other provision therein.
2.2 Owners’ Policies and Club Entries—means hull and machinery policies on terms equivalent to or wider than the current Institution Time Clauses, Hulls or American Institute Hull Clauses, (if taken, increased value policies on terms equivalent to Institute Time Clauses—Hull Disbursements and Increased Value (Total Loss Only and Excess Liabilities) or American Institute Increased Value and Excess Liabilities Clauses), War risks on terms equivalent to current Institute War and Strikes Clauses Hulls—Time and full protection and indemnity risks on conditions equivalent to the rules of a P&I Club that si a member of the International Group of P&I Associations.
2.3 Net Loss—means the Assured’s loss under the loan agreement to the extent secured by mortgage on the Mortgaged Vessel net of any amounts recovered or recoverable under all security arrangements contained in or collateral to the loan including but not limited to all mortgages (whether on vessels insured hereunder or on other vessels), liens, any floating and fixed charges, security interests, guarantees, insurance policies and pledges.
2.4 Mortgaged Vessel—means the vessel mortgaged to the Assured which is listen on the schedule attached hereto.
第2条 定义条款(Definitions)
2 定义
2.1 承保危险
2.1.1 由于误述或未告知任何重要情况，保险人取消船东的保险单和互保协会的入会证书，无论此种误述或未告知是被保险人或任何此种被保险人的保险代理人或保险经纪人为之
2.1.2 违反任何法定条款或任何明示或默示约定的保证或条件，包括未经限制者：
2.1.2.1 违反任何默示的适航保证或合法性
2.1.2.2 违反1906年《海上保险法》第39条第5款
2.1.2.3 违反包含在船东的保险单和互保协会的入会证书的任何贸易保证
2.1.2.4 违反在船东的保险单和互保协会的入会证书中，有关船级社对抵押船舶的船级的保证或条件，或未遵循此种船级社就此种保证或条件提出的建议
2.1.2.5 违反在船东的保险单和互保协会的入会证书中，要求遵循任何条件检验，结构检验或互保协会要求的检验及按照保险人拒赔条款的任何保证或条件
2.1.2.6 违反在船东的保险单和互保协会的入会证书中，有关抵押船舶的所有权，船旗，管理或光船租赁的任何保证条件。
2.1.3 船壳和机器保险单项下的被保险人，或船东，管理人或船舶监管人或其他任何岸上管理人，就有关抵押船舶未能谨慎处理，此种未能谨慎处理使得船东的船壳和机器保险单的保险人，有权拒赔本应赔偿的损失。
2.1.4 任何故意或欺诈地抛弃或损坏抵押船舶。
2.1.5 依据任何船东的保险单和互保协会的入会证书的索赔的撤销，或由于违反有关此种索赔的诚信的义务而撤销任何船东的保险单和互保协会的入会证书。
2.1.6 在船东的保险单和互保协会的保险单中规定的提出索赔的时效条款的生效。
2.1.7 万一抵押船舶全损，根据船东的保险单和互保协会的入会证书的明示条款约定有管辖权的法院的最终判决或仲裁庭的裁决（或倘若没有此种有管辖权法院的明示条款）在辩论审理后，船东的索赔被判定不能根据船东的船壳和机器保险单，或战争险保险单获赔，理由是未证明该损失是由那些保险单项下承保危险直接造成，且并非除此以外由其中的某一除外条款或其他条款排除赔付者。
2.2 船东的保险单和互保协会的入会证书，是指与现行协会船舶定期保险条款或美国协会船舶保险条款相同的或更宽广的条款的船舶和机器保险单（如果采用等同于协会船舶费用和增值定期保险条款（仅适用于全损及超额责任保险）或美国协会增值和超额责任保险条款），与现行协会船舶战争与罢工保险条款相同的战争险及与作为国际互保协会集团成员，等同于互保协会规则的保障与赔偿风险的条件。
2.3 净损失是指被保险人在贷款合同下，在以抵押船舶作为抵押担保的范围内，根据包含有该贷款或该贷款的抵押品的所有的担保安排已获得或可获得的任何净损失金额，包括但不限于所有的抵押品（无论是此处的保险船舶或对其他船舶），留置权，任何浮动或固定的费用，担保利益，保证，保险单和质押。
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