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and

THE INSTITUTE OF LONDON UNDERWRITERS

for

SHIPMENTS OF AUSTRALIAN FLOUR TO GREAT BRITAIN AND IRELAND.

Subject to the exceptions hereinafter mentioned

1. This Policy (and/or certificate) covers all claims whatsoever irrespective of percentage for damage to the flour hereby insured arising from all the dangers and hazards of transportation including loss from short weight through bags being broken or torn in transit. Warranted free from any claim under £1 sterling on any one brand arriving on any one vessel.

2. Warranted free from claim for damage to the flour when caused by weevils, insects, worms, grubs or any inherent vice of the property insured.

3. (A) Warranted free of capture, seizure, arrest, restraint, or detainment, and the consequences thereof or of any attempt thereat (piracy excepted) and also from all consequences of hostilities or warlike operations, whether before or after declaration of war.

(B) Warranted free of loss or damage caused by strikers, locked-out workmen, or persons taking part in labour disturbances, or riots or civil commotions.

Should clause (A) be deleted, clause (c) is to operate as part of this policy. (c) Warranted free of any claim based upon loss of, or frustration of, the insured voyage, or adventure, caused by arrests, restraints or detainments of kings, princes or peoples.

4. The risks covered by this policy attach from the time the goods leave the mill, or the shipper's warehouse at the port of shipment unless otherwise stated and continue during the ordinary course of transit including customary transhipment if any until the expiry of 30 days from midnight of the day on which the vessel reports at the Customs at the port of discharge of the goods or until the goods are loaded on any land conveyance or until loaded in barge for transport to any place outside the port of destination or until safely deposited in consignee's or other final warehouse at the port of destination named in the policy whichever may first occur. Transhipment if any otherwise than as above and/or delay arising from circumstances beyond the control of the assured held covered at a premium to be arranged.

5. General Average and Salvage Charges payable according to Foreign Statement or per York-Antwerp Rules if in accordance with the contract of affreightment.

6. Held covered at a premium to be arranged in case of deviation or change of voyage, or other variation of the risk by reason of the exercise of any liberty granted to the shipowner or charterer under the contract of affreightment, or of any omission or error in the description of the interest vessel or voyage.

7. Including transit by craft, raft, and/or lighter to and from the vessel. Each craft, raft and/or lighter to be deemed a separate insurance. The Assured are not to be prejudiced by any Agreement exempting lightermen from liability.

8. The assured are not to be prejudiced by the presence of the Negligence Clause and/or latent defect clause in the Bills of Lading and/or Charter Party.

The

FLOUR" ALL RISKS " CLAUSES-continued.

seaworthiness of the vessel as between the Assured and the Assurers is hereby admitted and the wrongful act or misconduct of the shipowner or his servants causing a loss is not to defeat the recovery by an irrocent assured if the loss in the absence of such wrongful act or misconduct would have been a loss recoverable on the policy. With leave to sail with or without pilots, and to tow and assist vessels or craft in all situations, and to be towed.

9. Notwithstanding anything herein contained to the contrary the "Flour Arrived agreements of the Flour Trade Associations of London, Glasgow and Bristol Channel current on the 1st January 1925 and such other "Flour Arrived" agreements as may from time to time be mutually agreed between the National Association of Flour Importers and the Institute of London Underwriters and deposited with the latter shall be deemed incorporated in this policy.

9/2/16.

BRITISH, ETC., CAPTURE CLAUSE.

This policy covers only the risks excluded by the following clause, viz. :

Warranted free of capture, seizure, arrest, restraint or detainment, and the consequences thereof or of any attempt thereat (piracy excepted), and also from all consequences of hostilities or warlike operations, whether before or after declaration of war:

But this policy is warranted free of any claim arising from capture, seizure, arrest, restraint, or detainment, except by the enemies of Great Britain or by the enemies of the country to which the Assured or the ship belongs.

1/7/19.

1. Warranted free of capture, seizure, arrest, restraint or detainment, and the consequences thereof or of any attempt thereat (piracy excepted), and also from all consequences of hostilities or warlike operations, whether before or after declaration of war.

2 Warranted free of loss or damage caused by strikers, locked-out workmen, or persons taking part in labour disturbances, or riots or civil commotions.

Should Clause No. 1 be deleted, Clause No. 3 is to operate as part of this Policy.

3. Warranted free of any claim based upon loss of, or frustration of, the Insured voyage, or adventure, caused by arrests, restraints or detainments of Kings, Princes, or Peoples.

F.C. & S. CLAUSE.

Warranted free of capture, seizure, arrest, restraint or detainment, and the consequences thereof or of any attempt thereat (piracy excepted), and also from all consequences of hostilities or warlike operations, whether before or after declaration

of war.

DEVIATION CLAUSE.

Held covered at a premium to be arranged in case of deviation or change of voyage, or other variation of the risk by reason of the exercise of any liberty granted to the shipowner or charterer under the contract of affreightment, or of any omission or error in the description of the interest vessel or voyage.

INCREASED VALUE CLAUSE.

£.

...being increased value of cargo, to be deemed to be part of the total amount insured on the cargo valued at such total amount. Where the original Policies effected on the cargo cover also Advanced Freight, then the word "cargo" in this policy shall be deemed also to include 'Advanced Freight."

In the event of any additional Insurance being placed by the Assured for the time being on the cargo herein insured, the value of the cargo shall, in the event of loss or claim, be deemed to be increased to the total amount insured at the time of loss or accident.

F.P.A. CLAUSE.

Warranted free from Particular Average unless the vessel or craft be stranded, sunk, or burnt, but notwithstanding this warranty the Assurers are to pay the insured value of any package or packages which may be totally lost in loading, tranзhipment or discharge, also for any loss of or damage to the interest insured which may reasonably be attributed to fire, collision or contact of the vessel and/or craft and/or conveyance with any external substance (ice included) other than water, or to discharge of cargo at port of distress, also to pay landing, warehousing, forwarding and special charges if incurred for which Underwriters would be liable under a policy covering Particular Average.

STRIKES, RIOTS, CIVIL COMMOTIONS.

Warranted free of loss or damage caused by strikers locked out workmen or persons taking part in labour disturbances or riots or civil commotions. 7/12/20.

To cover loss or damage caused by strikers locked-out workmen or persons taking part in labour disturbances or riots or civil commotions or arising from incendiarism use of explosives bombs or other engines of destruction or from any other malicious act whatsoever.

3/1922. THE LONDON JUTE ASSOCIATION INSURANCE CLAUSES, REVISED TO MARCH, 1922

FOR SHIPMENTS FROM CALCUTTA:

(1) The risk under this policy attaches from the time Jute is loaded at port of shipment (but including Camperdown, Jheel, Lakshmi and Cossipore Hydraulic presses on left bank of river) in Craft for conveyance to export Vessel, whether such Craft is intended to unload direct into export Vessel, or into Dock Sheds, or on to Quay or (in the event of there being no Craft risk), from time the Jute is placed in Railway waggons or motor lorries for conveyance to Kidderpore Docks and to continue until unloaded at the Jetties and/or Docks, but no risk attaches in Port Commissioners' Dock or Jetty Sheds or on Quays, risk recommencing from time of loading on export Vessel, and includes (subject to the terms of this policy), risk of Craft or boats to and from the Vessel and continues at port of discharge while the Jute is temporarily deposited on Quay, in Shed or other place, or on barge or Craft or Store-Ship or other vessel, until safely delivered into Warehouse of the Consignee there or into the Railway trucks or other land carriage or other conveyance, or if for re-shipment until delivered into Consignee's Craft, but the risk while the Jute is temporarily deposited whether on Quay, in barge or otherwise as above stated, not to exceed fifteen days from final discharge of the Vessel. (2) Deviation and /or change of voyage, and/or transhipments, not included in this Policy, and/or any inaccuracy in description of voyage, interest, name of vessel, clauses or conditions, to be held covered at a

JUTE-continued.

premium to be arranged-such premium to be the current premium on date of Policy. (3) Warranted free from particular average unless the ship or craft be sunk, burnt, on fire, stranded, or in collision with any substance other than water (the collision to be of such a nature as may reasonably be supposed to have caused or led to the damage claimed for); each craft or lighter being deemed a separate Insurance, but to pay landing, warehousing, forwarding, and special charges, when incurred; also to pay the insured value of any package or packages which may be totally lost in transhipment; Underwriters, notwithstanding this warranty, to pay for any loss caused by the sinking, burning or stranding of the interest hereby insured, or any part thereof. (4) Grounding in the Suez Canal not to be deemed a stranding unless same may reasonably be supposed to have caused or led to the damage claimed for. (5) General Average, if any, payable as per foreign statement or as per York-Antwerp Rules, if in accordance with contract of affreightment. (6) It is expressly declared and agreed that no acts of insurer or insured in recovering, saving or preserving the property insured, shall be considered as a waiver or acceptance of abandonment. (7) The risks covered by this Policy attach even though caused by negligence, default, or error in judg ment of the Pilot, Master, Mariners, or other servants of the Shipowner, and all liberties as per Charter Party, and/or Bill of Lading and/or Shipping Order. (8) In the event of any additional insurance being placed by the assured for the time being on the cargo herein insured, the value stated in this Policy shall, in the event of loss or claim, be deemed to be increased to the total amount insured at the time of loss or accident.

INCREASED VALUE POLICIES TO CONTAIN THE FOLLOWING CLAUSES:-£.. ......being increased value of cargo to be deemed to be part of the total amount insured on the cargo valued at such total amount. Where the original policies effected on the cargo cover also Advanced Freight, then the word "cargo in this policy shall be deemed also to include "Advanced Freight." In the event of any additional insurance being placed by the assured for the time being on the cargo herein insured, the value of the cargo shall, in the event of loss or claim, be deemed to be increased to the total amount insured at the time of loss or accident.

FOR SHIPMENTS FROM CHITTAGONG.

(1) The risk under this Policy attaches from the time of loading on board the export Vessel, and includes (subject to the terms of this Policy) risk of craft or boats to and from the Vessel, and continues at port of discharge while the Jute is temporarily deposited on Quay, in Shed or other place, or on Barge or Craft or Store-ship or other Vessel, until safely delivered into Warehouse of the Consignee there, or into the Railway trucks or other land carriage or other conveyance, or if for re-shipment until delivered into Consignee's Craft, but the risk while the Jute is temporarily deposited, whether on Quay, in barge, or otherwise as above stated, not to exceed fifteen days from final discharge of the Vessel.

Clauses 2 to 8 same as for shipments from Calcutta.

11/11/24.

RIVER PLATE TEN DAYS' CLAUSE.

The risk of Fire under this Policy shall cease upon arrival at any Shed (transit or otherwise), Store, Custom House or Warehouse, or upon the expiry of ten days subsequent to landing whichever may first occur.

18/8/22.

STANDARD NITRATE CLAUSES.

Warranted free from particular average, unless the vessel or craft be stranded, sunk, burnt or on fire, or strike the ground, pier, quay, bridge, or against any other object, whether stationary or floating on the water, especially ice, or in collision (the collision or striking to be of such a nature as may reasonably be supposed to have caused the damage), or vessel put into port of distress and discharge cargo, or the damage be caused by water, resulting from bursting of hatches, and/or from default or negligence of the crew. To pay landing, warehousing, forwarding and special charges, if incurred, as well as partial loss arising from transhipment, also to pay the insured value of any package which may be totally lost in loading, transhipment or discharge General average payable as per foreign statement, or York and Antwerp rules 1890.

Including all risks of craft, boats, and/or lighters to or from the vessel upon whatever terms as to liability or otherwise the lighterman may be employed, each craft, boat or lighter being deemed a separate insurance; any loss in craft, boat or lighter is to be settled under this policy without reference to the liability or nonliability of the lighterman under special agreement between assured and lighterman or otherwise, the assured transferring all rights against the lighterman to the Underwriters.

Including all risks incidental to the conveyances employed in transit, and all risks from the interior, while on the quays or elsewhere on shore before shipment and after landing, and all risks of transhipment and of storage on the route, and of raft, craft, and lighters in loading, unloading and transhipping, and also of any special lighterage, and while in craft waiting shipment or loading, or delivery to other vessels after arrival, and until delivered at any wharves, docks, landing places, vessels or elsewhere, as ordered by the Assured or their Agents.

With leave to call and wait for orders or other purposes necessary or otherwise, and including all risks whatsoever without recourse against lightermen. With all liberties as per Bills of Lading.

Including all risks incidental to steam navigation.

Including all risks of fire whilst in landing godown.
Seaworthiness of vessel admitted.

In the event of the voyage being changed, or of any deviation from the terms of this Policy the same to be held covered at a premium to be arranged hereafter.

Including all risks of negligence, default or error in judgment of Pilot Engineers, Master, Mariners or others of the Crew.

Return of a Spanish Quintal of Nitrate to be calculated at 45 Net Kilos and a Metric Quintal at 99 Net Kilos for claims for average on out-turn only.

Including all risk of craft to places adjacent to discharging port if required. Including all risks attending to towing of vessel to destination if required.

(a) Warranted free of capture, seizure, arrest, restraint, or detainment, and the consequences thereof or of any attempt thereat (piracy excepted), and also from all consequences of hostilities or warlike operations whether before or after declaration of war.

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