Measure of Indemnity

**67. Extent of liability of insurance for loss**

(1)The sum which the assured can recover in respect of a loss on a policy by which he is insured, in the case of an unvalued policy to the full extent of the insurable value, or, in the case of a valued policy to the full extent of the value fixed by the policy, is called the measure of indemnity

(2)Where there is a loss recoverable under the policy, the insurer, or each insurer if there be more than one, is liable for such proportion of the measure of indemnity as the amount of his subscription bears to the value fixed by the policy in the case of a valued policy, or to the insurable value in the case of an unvalued policy.

【概 要】

損害に対する保険者の責任と範囲を規定しており、被保険者が保険により填補される額は評価未済保険証券の場合で保険価額の全額、評価済保険証券の場合は保険証券で決められた価額の全額を損害額回収の限度としています。

また、引受け保険者が複数の場合に自己の引受け割合を損害填補限度額に乗じた額を各保険会社がそれぞれに填補する旨を規定しています。

**68. Total loss**

Subject to the provisions of this Act and to any express provision in the policy, where there is a total loss of the subject-matter insured,?

(1)If the policy be a valued policy, the measure of indemnity is the sum fixed by the policy;

(2)If the policy be an unvalued policy, the measure of indemnity is the insurable value of the subject-matter insured.

【概 要】

全損の場合の填補の限度を規定しており、評価済保険証券の場合は保険証券で決められた価額を填補し、評価未済保険証券の場合で保険価額を損害填補限度としています。

**69. Partial loss of ship**

Where a ship is damaged, but is not totally lost, the measure of indemnity, subject to any express provision in the policy, is as follows:?

(1)Where the ship has been repaired, the assured is entitled to the reasonable cost of the repairs, less the customary deductions, but not exceeding the sum insured in respect of any one casualty;

(2)Where the ship has been only partially repaired, the assured is entitled to the reasonable cost of such repairs, computed as above, and also to be indemnified for the reasonable depreciation, if any, arising from the unrepaired damage, provided that the aggregate amount shall not exceed the cost of repairing the whole damage, computed as above;

(3)Where the ship has not been repaired, and has not been sold in her damaged state during the risk, the assured is entitled to be indemnified for the reasonable depreciation arising from the unrepaired damage, but not exceeding the reasonable cost of repairing such damage, computed as above.

**70.Partial loss of freight**

Subject to any express provision in the policy, where there is a partial loss of freight, the measure of indemnity is such proportion of the sum fixed by the policy in the case of a valued policy, or of the insurable value in the case of an unvalued policy, as the proportion of freight lost by the assured bears to the whole freight at the risk of the assured under the policy.

【概 要】

運送賃の分損がある場合の規定で、補償限度額は損害を被った運賃の全運賃に対する割合を下記の要領によって乗じた額とします。

評価済保険証券の場合は、保険証券で決められた額に対して、また評価未済保険証券の場合は、保険価額に対してと規定しています。

**71.Partial loss of goods, merchandise, &c**

Where there is a partial loss of goods, merchandise, or other moveables, the measure of indemnity, subject to any express provision in the policy, is as follows:

(1)Where part of the goods, merchandise or other moveables insured by a valued policy is totally lost, the measure of indemnity is such proportion of the sum fixed by the policy as the insurable value of the part lost bears to the insurable value of the whole, ascertained as in the case of an unvalued policy;

(2)Where part of the goods, merchandise, or other moveables insured by an unvalued policy is totally lost, the measure of indemnity is the insurable value of the part lost, ascertained as in case of total loss;

(3)Where the whole or any part of the goods or merchandise insured has been delivered damaged at its destination, the measure of indemnity is such proportion of the sum fixed by the policy in the case of a valued policy, or of the insurable value in the case of an unvalued policy, as the difference between the gross sound and damaged valued at the place of arrival bears to the gross sound value;

(4)”Gross value” means the wholesale price or, if there be no such price, the estimated value, with, in either case, freight, landing charges, and duty paid beforehand; provided that, in the case of goods or merchandise customarily sold in bond, the bonded price is deemed to be the gross value.

“Gross proceeds” means the actual price obtained at a sale where all charges on sale are paid by the sellers.

【概 要】

貨物等の分損についての条項で、被保険貨物の一部が全損における評価済保険証券と評価未済保険証券の場合および損傷の場合の補償限度額を規定しています。

＜被保険貨物の一部が全損＞

@評価済保険証券の場合は、損害を受けた保険価額を全部の保険価額(評価前価額)に対しての割合を保険証券の決められた価額に乗ずる。

A評価未済保険証券の場合は、全損の場合に準じて算出された損害部分の保険価額とします。

＜被保険貨物の一部または全部が損傷＞

@評価済保険証券の場合は、到達地における総正品価額と総損品価額との差額の純正品価額の割合を保険証券の決められた価額に乗ずる。

A評価未済保険証券の場合は、到達地における総正品価額と総損品価額との差額の純正品価額の割合を保険価額に乗ずる。

**72.Apportionment of valuation**

(1)Where different species of property are insured under a single valuation, the valuation must be apportioned over the different species in proportion to their respective insurable values, as in the case of an unvalued policy.

The insured value of any part of a species is such proportion of the total insured value of the same as the insurable value of the part bears to the insurable value of the whole ascertained in both cases as provided by this Act.

(2)Where a valuation has to be apportioned, and particulars of the prime cost of each separate species, quality, or description of goods cannot be ascertained, the division of the valuation may be made over the net arrived sound values of the different species, qualities, or descriptions of goods.

**73.General average contributions and salvage charges**

(1)Subject to any express provision in the policy, where the assured has paid, or is liable for, any general average contribution, the measure of indemnity is the full amount of such contribution, if the subject-matter liable to contribution is insured for its full contributory value, or if only part of it be insured, the indemnity payable by the insurer must be reduced in proportion to the under insurance, and where there has been a particular average loss which constitutes a deduction from the contributory value, and for which the insurer is liable, that amount must be deducted from the insured value in order to ascertain what the insurer is liable to contribute.

(2)Where the insurer is liable for salvage charges the extent of his liability must be determined on the like principle.

【概 要】

共同海損分担額と救助料についての条項で、保険証券に特別の定めがない限り、全部保険の場合は被保険貨物に対する分担額の全額を補償し、一部保険の場合は、その一部保険の割合により減額してほしょうする旨を規定しています。

**74. Liability to third parties**

Where the assured has effected an insurance in express terms against any liability to a third party, the measure of indemnity, subject to any express provision in the policy is the amount paid or payable by him to such third party in respect of such liability.

【概 要】

被保険者が第三者に対しての賠償責任を保険に付けた場合は、填補の限度は保険証券に明示された規定に従うが、被保険者がその賠償責任に対して第三者に支払った、または支払うべき金額とする旨を規定しています。

**75.General provisions as to measure of indemnity**

(1)Where there has been a loss in respect of any subject-matter not expressly provided for in the foregoing provisions of this Act, the measure of indemnity shall be ascertained, as nearly as may be, in accordance with those provisions, in so far as applicable to the particular case.

(2)Nothing in the provisions of this Act relating to the measure of indemnity shall affect the rules relating to double insurance,

or prohibit the insurer from disproving interest wholly or in part, or from showing that at the time of the loss the whole or any part of the subject-matter insured was not at risk under the policy.

**76.Particular average warranties**

(1)Where the subject-matter insured is warranted free from particular average, the assured cannot recover for a loss of part,

other than a loss incurred by a general average sacrifice, unless the contract contained in the policy be apportionable;

but, if the contract be apportionable, the assured may recover for a total loss of any apportionable part.

(2)Where the subject-matter insured is warranted free from particular average, either wholly or under a certain percentage,

the insurer is nevertheless liable for salvage charges, and for particular charges and other expenses properly incurred pursuant to the provisions of the suing and labouring clause in order to avert a loss insured against.

(3)Unless the policy otherwise provides, where the subject-matter insured is warranted free from particular average under a specified percentage, a general average loss cannot be added to a particular average loss to make up the specified percentage.

(4)For the purpose of ascertaining whether the specified percentage has been reached, regard shall be had only to the actual loss suffered by the subject-matter insured. Particular charges and the expenses of and incidental to ascertaining and proving the loss must be excluded.

**77.Successive losses**

(1)Unless the policy otherwise provides, and subject to the provisions of this Act, the insurer is liable for successive losses, even though the total amount of such losses may exceed the sum insured.

(2)Where, under the same policy, a partial loss, which has not been repaired or otherwise made good, is followed by a total loss, the assured can only recover in respect of the total loss:

Provided that nothing in this section shall affect the liability of the insurer under the suing and labouring clause.

【概 要】

保険証券に他に規定が無い限り、保険者は連続損害において損害合計額が保険価額を超えた場合でも填補責任を負う旨を規定しています。

また、同一保険証券において分損が発生し修理されずに、その後全損が発生した場合は被保険者は全損のみを回収することができる旨を規定しています。

但し、この規定が損害防止約款下の保険者の責任に影響を及ぼすことが無い旨も付け加えています。

**78.Suing and labouring clause**

(1)Where the policy contains a suing and labouring clause, the engagement thereby entered into is deemed to be supplementary to the contract of insurance, and the assured may recover from the insurer any expenses properly incurred pursuant to the clause, notwithstanding that the insurer may have paid for a total loss, or that the subject-matter may have been warranted free from particular average, either wholly or under a certain percentage.

(2)General average losses and contributions and salvage charges, as defined by this Act, are not recoverable under the suing and labouring clause.

(3)Expenses incurred for the purpose of averting or diminishing any loss not covered by the policy are not recoverable under the suing and labouring clause.

(4)It is the duty of the assured and his agents, in all cases, to take such measures as may be reasonable for the purpose of averting or minimising a loss.

【概 要】

損害防止約款に関する条項で、損害を防止又は軽減する処置を行うことを被保険者の義務とした上での規定です。

被保険貨物が全損の場合でも約款に従って正当に支出した費用は、別枠で請求できる旨を規定しています。但し、共同海損損害、共同海損分担額および救助料および保険証券にて担保されて無い危険に対する損害防止費用は請求できません。