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4.1.1 - Risks covered by another insurer

There shall be no recovery against the club if and to the extent that the loss could be covered, in whole or in part, by any hull and machinery, protection and indemnity, war hull and machinery, war protection and indemnity or freight, demurrage and defence insurance.

4.1.2

Unless otherwise agreed by the managers, there shall be no recovery in respect of any loss recoverable under any other insurance which has been placed by or on behalf of the member or which would have been so recoverable but for: (1) any deductible, limit or special terms applicable under such insurance; or (2) act or omission on the part of the member vitiating such insurance; or (3) the entry of the ship with the club and the terms in such other insurance excluding or limiting liability on the grounds of double insurance.

4.2 - Cyber risks

There shall be no recovery, save as provided in rules 3.2, 3.13, 3.34 and 3.35, in respect of any delay directly or indirectly caused by or contributed to by or arising from the use or operation, as a means for inflicting harm, of any computer, computer system, computer software program, malicious code, computer virus or process or any other electronic system.

4.3 - War risks

There shall be no recovery, save as provided in rules 3.2, 3.33 and 3.34, in respect of any loss incurred as a result of: (1) war, civil war, or any hostile act by or against a belligerent power; (2) capture, seizure, arrest, restraint or detainment during the course of hostilities, and the consequences thereof or any attempt thereat; (3) weapons of war used during the course of hostilities including, but not limited to, mines, torpedoes, bombs, rockets, shells and explosives.

4.4 - Five powers war and nuclear, chemical or biological exclusions

There shall be no recovery in respect of any delay/loss directly or indirectly caused by or arising from: (1) ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel; or (2) the radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof; or 12 (3) any weapon or device employing atomic or nuclear fission and/ or fusion or other like reaction or radioactive force or matter; or (4) the radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive matter; or (5) any weapon or device employing (or alleged by a person threatening its use to employ) chemical, biological, biochemical or electromagnetic compounds or materials; or (6) the outbreak of war (whether there be a declaration of war or not) between any of the following: the UK, the USA, France, the Russian Federation, the People’s Republic of China.

4.5 - Unlawful sanctionable and hazardous trades

No claim is recoverable if it arises out of or is consequent upon the ship carrying contraband or blockade-running or being employed in an unlawful, prohibited or sanctionable carriage, trade, voyage or operation, or if the provision of insurance for a carriage, trade, voyage or operation is or becomes unlawful, prohibited or sanctionable or if the board determines that the carriage, trade, voyage or operation was imprudent, unsafe, unduly hazardous or improper.

4.6

The club reserves the right to notify members of any voyage or trade which in its opinion is unsafe or improper. If a member having been given this notice then employs his ship on such voyage or transit or trade, no claim will be allowed for the period during which the same is so employed.

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