RISKS COVERED

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

Risks Clause

1.1 loss of or damage to the subject-matter insured attributable to

1.1.1 fire or explosion

1.1.2 vessel or craft being stranded grounded sunk or capsized

1.1.3 overturning or derailment of land conveyance

1.1.4 collision or contract of vessel craft or conveyance with any external object other than water

1.1.5 discharge of cargo at a port of distress,

1.1.6 breakdown of refrigerating machinery resulting in its stoppage for a period of not less than 24 consecutive hours

1.2 loss of or damage to the subject-matter insured caused by

1.2.1 general average sacrifice