1. This insurance covers, except as provided in Clauses 4, 5, 6, and 7 below,

Risks Clause

1.1 loss of or contamination of the subject-matter insured reasonably attributable to

1.1.1 fire or explosion.

1.1.2 vessel or craft being stranded grounded sunk or capsized

1.1.3 collision or contact of vessel or craft with any external object other than water

1.1.4 discharge of cargo at a port or place of distress

1.1.5 earthquake volcanic eruption or lightning,

1.2 loss of or contamination of the subject-matter insured caused by

1.2.1 general average sacrifice

1.2.2 jettison

1.2.3 leakage from connecting pipelines in loading transhipment or discharge

1.2.4 negligence of Master Officers or Crew in pumping cargo ballast or fuel,

1.3 contamination of the subject-matter insured resulting from stress of weather.

2. This insurance covers general average and salvage charges, adjusted or determined according to the contract of affreightment and/or the governing law and practice, incurred to avoid or in connection with the avoidance of loss from any cause except those excluded in Clauses 4, 5, 6 and 7 or elsewhere in this insurance.

General Average Clause