(A)

Crew War Liability (Master, Officers, Seamen, and other Members of the Crew).

(B)

War liabilities in respect of other persons employed in any capacity whatsoever by the

Assured or others in, on or about or in connection with the insured vessel or her cargo,

materials or repairs.

1.

This insurance covers:

(a)

Subject to the limits specified in Clause 3 hereof, loss, liabilities and expenses which would,

either conditionally or unconditionally, be recoverable under the 1986 Rules of The West of

England Steamship Owners Mutual Protection and Indemnity Association (Luxembourg),

(irrespective of whether the interests hereby insured are in fact entered in that Association) but

for the operation of Rule 14 (Liability excluded for War Risks) of the said Association. When

any Sue and Labour expenditure has been incurred (being expenditure reasonably incurred for

the purpose of averting or minimizing any loss, liability or expenses covered by this insurance)

with the consent of Underwriters, the Underwriters will also pay their proportion of any costs

and expenditure so incurred. Provided always that for the purpose of assessing any amount

recoverable hereunder, the Rules of the said Association shall be deemed to exclude:

(ⅰ) Rule 18;(the Rule relating to double insurance)

(ⅱ) Rule 5;(the so-called Omnibus Rule)

(ⅲ) Any Rule or Provision imposing any deductible or franchise or any limit of liability as

regards the amount recoverable from the Association.

(b)

Claims in respect of Crew Members who are captured or detained consequent upon a risk

specified in Rule 14(Liability excluded for War Risks) as above.

2.

All customary and currently used Contracts and Indemnities deemed to be approved and

covered hereunder. Any other Contract and Indemnity at Additional Premium to be agreed.

3.

Limit US＄500,000 per capita or equivalent in other currencies but schedule of compensation

as follows:-

SCALE OF PERMANENT DISABILITIES

The percentage of the sum insured in respect of Permanent Total or Permanent Partial Disablement

shall be as follows:-

PERMANENT TOTAL DISABLEMENT

Total loss of sight of both eyes 100%

Total incurable insanity 100%

Loss of both arms or both hands 100%

Complete deafness of both ears, of traumatic origin 100%

Removal of the lower jaw 100%

Loss of speech 100%

Loss of one arm and one leg 100%

Loss of one arm and one foot 100%

Loss of one hand and one foot 100%

Loss of one hand and one leg 100%

Loss of both legs 100%