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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.

6. Perils.

6.1. This insurance covers loss of or damage to the subject-matter insured caused by

6.1.1. perils of the sea 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. accident in loading discharging or shifting cargo or fuel

6.2. This insurance covers loss of or damage to the subject-matter insured caused by

6.2.1. bursting of boilers breakage of shafts or any latent defect in the machinery or hull

6.2.2. negligence of Master Crew or Pilots

6.2.3. negligence of repairers or charterers provided such repairers or charterers are not an Assured hereunder

6.2.4. barratry of Master Officers or Crew

6.2.5. contact with aircraft, helicopters or similar objects, or objects falling therefrom

provided that such loss or damage has not resulted from want of due diligence by the Assured, Owners, Managers or Superintendents or any of their onshore management.

6.3. Master Officers Crew or Pilots not to be considered Owners within the meaning of this Clause 6 should they hold shares in the Vessel.

7. Pollution Hazard.

This insurance covers loss of or damage to the Vessel caused by any governmental authority acting under the powers vested in it to prevent or mitigate a pollution hazard or damage to the environment, or threat thereof, resulting directly from damage to the Vessel for which the
Underwriters are liable under this insurance, provided that such act of governmental authority has not resulted from want of due diligence by the
Assured, Owners or Managers to prevent or mitigate such hazard or damage, or threat thereof. Master Officers Crew or Pilots not to be considered
Owners within the meaning of this Clause 7 should they hold shares in the
Vessel.

8. 3/4th Collision Liability.

8.1. The Underwriters agree to indemnify the Assured for three-fourth of any sum or sums paid by the Assured to any other person or persons by reason of the Assured becoming legally liable by way of damages for

8.1.1. loss of or damage to any other vessel or property on any other vessel

8.1.2. delay to or loss of use of any such other vessel or property thereon

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