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A) Shipments by Sea or Land

Institute Cargo Clauses “A” CL382 dated 01.01.2009.
Institute War Clauses (Cargo) CL385 dated 01.01.2009.
Institute Strikes Clauses (Cargo) CL386 dated 01.01.2009.
Institute Radioactive Contamination, Chemical, Biological, Biochemical and Electromagnetic Weapons
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Exclusion Clause Cls. 370 dated 10 November 2003.
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Institute Cyber Attack Exclusion Clause Cls. 380 dated 10 November 2003.
Termination of Transit Clause Terrorism 2009 JC2009/056.
Including transhipment, barge and lightering risks whether customary or otherwise.
Subject also to Additional Conditions as attached.

B1) Shipments by Sea or Land of Refrigerated or Temperature Controlled Cargoes, other than
Meat
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Institute Frozen Food Clauses “A” (Excluding Frozen Meat) Cls. 263 dated 1 January, 1986.
Institute War Clauses (Cargo) CL385 dated 01.01.2009.
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Institute Strikes Clauses (Frozen Food) (Excluding Frozen Meat) Cls. 265 dated 1 January, 1986.
Institute Radioactive Contamination, Chemical, Biological, Biochemical and Electromagnetic Weapons
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Exclusion Clause Cls. 370 dated 10 November 2003.
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Institute Cyber Attack Exclusion Clause Cls. 380 dated 10 November 2003.
Termination of Transit Clause Terrorism 2009 JC2009/056.
Including transhipment, barge and lightering risks whether customary or otherwise.
Subject also to Additional Conditions as attached.

B2) Shipments by Sea or Land of Refrigerated or Temperature Controlled Cargoes of Meat
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Institute Frozen Meat Clauses “A” – 24 Hours Breakdown Cls. 324 dated 1 January, 1986, amended to
cover Temperature Controlled Cargoes if applicable.
Duration Clause 8.1.2 to apply.
Institute War Clauses (Cargo) CL385 dated 01.01.2009
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Institute Strikes Clauses (Frozen Meat) Cls. 326 dated 1 January, 1986.
Institute Radioactive Contamination, Chemical, Biological, Biochemical and Electromagnetic Weapons
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Exclusion Clause Cls. 370 dated 10 November 2003.
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Institute Cyber Attack Exclusion Clause Cls. 380 dated 10 November 2003.
Termination of Transit Clause Terrorism 2009 JC2009/056.
Including transhipment, barge and lightering risks whether customary or otherwise.
Subject also to Additional Conditions as attached.

C) Shipments by Air

Institute Cargo Clauses (Air) (excluding sendings by Post) CL387 dated 01.01.2009.
Institute War Clauses (Air Cargo) (excluding sendings by Post) CL388 dated 01.01.2009.
Institute Strikes Clauses (Cargo) (Air Cargo) CL389 dated 01.01.2009.
Institute Radioactive Contamination, Chemical, Biological, Biochemical and Electromagnetic Weapons
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Exclusion Clause Cls. 370 dated 10 November 2003.
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Institute Cyber Attack Exclusion Clause Cls. 380 dated 10 November 2003.
Termination of Transit Clause Terrorism 2009 JC2009/056.
Including transplaning risks whether customary or otherwise.
Subject also to Additional Conditions as attached.

D) Machinery (other than vehicles)

Institute Cargo Clauses “A” CL382 dated 01.01.2009.
Institute War Clauses (Cargo) CL385 dated 01.01.2009.
Institute Strikes Clauses (Cargo) CL386 dated 01.01.2009.

380 dated 10 November 2003. c) Depreciation Underwriters’ liability is restricted to the reasonable cost of repair and no claim is to attach hereto for depreciation consequent thereon. that is to say. Subject also to Additional Conditions as attached.12. f) Climatic Conditions Clause Excluding loss or damage by climatic or atmospheric conditions or extremes of temperature. Chemical. barge and lightering risks whether customary or otherwise. Excluding Electrical and Mechanical derangement unless caused by a peril insured against. Institute Radioactive Contamination.01.01. oxidisation & discolouration unless caused by an insured peril.Institute Replacement Clause CL372 dated 01. Biochemical and Electromagnetic Weapons th Exclusion Clause Cls. g) Owner Packed Effects . Subject also to Household Goods & Personal Effects Additional Conditions as follows: a) Average Clause This Policy is subject to the condition of average. 370 dated 10 November 2003. Vermin.2009. Institute Radioactive Contamination. Termination of Transit Clause Terrorism 2009 JC2009/056.2008 or Secondhand Replacement Clause as attached as applicable. wear. Biochemical and Electromagnetic Weapons th Exclusion Clause Cls.2009. b) Pairs and Sets Clause Where any insured item consists of articles in a pair or set this Policy is not to pay more than the value of any particular part or parts which may be lost without reference to any special value which such article or articles may have as part of such pair or set. tear and gradual deterioration. Chemical. 380 dated 10 November 2003. E) Household Goods & Personal Effects Institute Cargo Clauses “A” CL382 dated 01. Including transhipment.2009. Termination of Transit Clause Terrorism 2009 JC2009/056. Wear & Tear Excluding loss or damage due to moth. Excluding shipment by tug and barge other than during transhipment.01. nor more than a proportionate part of such pair or set. Biological. 370 dated 10 November 2003. th Institute Cyber Attack Exclusion Clause Cls. Biological. Institute Strikes Clauses (Cargo) CL386 dated 01. Subject also to Additional Conditions as attached. whether customary or otherwise. Excluding rusting. Institute War Clauses (Cargo) CL385 dated 01. e) Moth. vermin. d) Mechanical and Electrical Derangement Excluding loss of or damage due to mechanical. electrical or electronic derangement unless there is evidence of external damage to the insured item or its packing. th Institute Cyber Attack Exclusion Clause Cls. if the property covered by this Insurance shall at the time of loss be of greater value than the sum insured hereby the Assured shall only be entitled to recover hereunder such proportion of the said loss as the sum insured by this Policy bears to the total value of the said property.

370 dated 10 November 2003.2009.Excluding breakage. ii) On delivery to a place of storage other than in the ordinary course of transit. F) Steel Products Institute Cargo Clauses “A” CL382 dated 01. Institute Strikes Clauses (Cargo) CL386 dated 01. i) Itemised Inventory Subject to valued.2009.01. for a period not exceeding 15 days in compound whilst awaiting loading. scratching. 370 dated 10 November 2003. Motorcycles & Caravans (unless containerised) Institute Cargo Clauses “A” CL382 dated 01. or.2009. travellers’ cheques. Biochemical and Electromagnetic Weapons th Exclusion Clause Cls. Subject also to Automobile & Motorcycle Additional Conditions as follows: a) Duration Clause This insurance attaches from the time the vehicle is handed over to the carrier or agent at the place named for the commencement of the transit including.2009. Biochemical and Electromagnetic Weapons th Exclusion Clause Cls. Excluding shipment by tug and barge other than during transhipment. itemised inventory to be lodged with Freight Forwarder prior to shipment. whether customary or otherwise. th Institute Cyber Attack Exclusion Clause Cls. or. barge and lightering risks whether customary or otherwise. Oxidisation & Discolouration unless caused by a peril insured against. jewellery. Chemical. notes.01. or any cash. Including transhipment.01. Subject also to Additional Conditions as attached. including trunks. Excluding Rust. Institute Strikes Clauses (Cargo) CL386 dated 01. suitcases and the like. Institute War Clauses (Cargo) CL385 dated 01. Subject also to Additional Conditions as attached. denting. Chemical. staining and tearing of owner packed effects. G1) Automobiles. Institute War Clauses (Cargo) CL385 dated 01. chipping. Warranted containerised and packed in manufacturer’s export packing. continues during the ordinary course of transit and terminates either: i) When the vehicle is handed over to the Assured or his agent at the destination named. Termination of Transit Clause Terrorism 2009 JC2009/056. tickets. . Institute Radioactive Contamination. h) Excluded Goods Excluding loss of or damage to furs valued over USD200. 380 dated 10 November 2003. deeds. Also excluding claims for missing items unless a valued list of contents is supplied by owner prior to commencement of transit. Biological.2009. 380 dated 10 November 2003. stamps.01. j) Professional Packing Excluding losses arising as a result of goods not having been professionally packed. Institute Radioactive Contamination. th Institute Cyber Attack Exclusion Clause Cls. where required. Termination of Transit Clause Terrorism 2009 JC2009/056. Biological. watches. or similar valuable articles other than as declared and agreed herein.01.2009.01.

This Policy is subject to the condition of average.iii) On expiry of ten days from the time the vehicle is made available for collection by the Assured or his agent. • Excluding loss or damage whilst under own power. if the vehicle covered by this Insurance shall at the time of loss be of greater value than the sum insured hereby the Assured shall only be entitled to recover hereunder such proportion of the said loss as the sum insured by this Policy bears to the total value of the said vehicle. denting. that is to say. other than whilst being loaded or unloaded from the carrying conveyance or container. Note: A Certificate of Condition is a document stating the condition of the vehicle at the time of entering the custody of the Freight Forwarder or Shipping Company. • Excluding damages. whichever shall first occur. • Excluding rusting. including freight delivered at destination. injury or liabilities to any third party whatsoever. In respect of vehicles over five years of age or without a Certificate of Condition: • Excluding the risks of scratching. oxidisation & discolouration unless caused by an insured peril. • Excluding loss or damage to accessories or portable equipment unless declared prior to shipment. b) Valuation & Average Clause The vehicle shall be insured for its full market value. Motorcycles & Caravans (containerised) . • Excluding theft or pilferage of Audio / Visual and/or GPS equipment unless stolen with the vehicle. electrical or electronic derangement unless there is evidence of external damage to the vehicle. marring. e) Exclusions • Excluding loss of or damage due to mechanical. chipping or staining. • Excluding any claim recoverable under a policy of Motor Insurance. c) Depreciation Underwriters’ liability is restricted to the reasonable cost of repair and no claim is to attach hereto for depreciation consequent thereon. noting all defects and signed and agreed by both the Assured and the Freight Forwarder / Shipping Company. G2) Automobiles. d) Respraying Respraying of vehicles is limited to damaged parts only. • Excluding loss or damage arising out of climatic or atmospheric conditions or extremes of temperature or freezing of coolant.

continues during the ordinary course of transit and terminates either: i) When the vehicle is handed over to the Assured or his agent at the destination named. Institute War Clauses (Cargo) CL385 dated 01. other than whilst being loaded or unloaded from the carrying conveyance or container. . if the vehicle covered by this Insurance shall at the time of loss be of greater value than the sum insured hereby the Assured shall only be entitled to recover hereunder such proportion of the said loss as the sum insured by this Policy bears to the total value of the said vehicle. Institute Strikes Clauses (Cargo) CL386 dated 01. electrical or electronic derangement unless there is evidence of external damage to the vehicle. Chemical. barge and lightering risks whether customary or otherwise. • Excluding damages. Biochemical and Electromagnetic Weapons th Exclusion Clause Cls. d) Respraying Respraying of vehicles is limited to damaged parts only.2009. c) Depreciation Underwriters’ liability is restricted to the reasonable cost of repair and no claim is to attach hereto for depreciation consequent thereon. or. Biological. e) Exclusions • Excluding loss of or damage due to mechanical. th Institute Cyber Attack Exclusion Clause Cls. whichever shall first occur. injury or liabilities to any third party whatsoever. Institute Radioactive Contamination. that is to say. • Excluding any claim recoverable under a policy of Motor Insurance. Termination of Transit Clause Terrorism 2009 JC2009/056. for a period not exceeding 15 days in compound whilst awaiting loading. iii) On expiry of ten days from the time the vehicle is made available for collection by the Assured or his agent. Including transhipment.2009. Subject also to Automobile & Motorcycle Additional Conditions as follows: a) Duration Clause This insurance attaches from the time the vehicle is handed over to the carrier or agent at the place named for the commencement of the transit including. including freight delivered at destination.01.2009. 380 dated 10 November 2003. Subject also to Additional Conditions as attached. ii) On delivery to a place of storage other than in the ordinary course of transit.01. • Excluding loss or damage whilst under own power.Institute Cargo Clauses “A” CL382 dated 01. or. b) Valuation & Average Clause The vehicle shall be insured for its full market value. 370 dated 10 November 2003. where required.01. This Policy is subject to the condition of average.

barge and lightering risks whether customary or otherwise.01. • Excluding loss or damage to accessories or portable equipment unless declared prior to shipment. 370 dated 10 November 2003. c) Depreciation Underwriters’ liability is restricted to the reasonable cost of repair and no claim is to attach hereto for depreciation consequent thereon.2009. Including transhipment. denting. Vermin. 380 dated 10 November 2003. Subject also to Additional Conditions as attached. In respect of vehicles over five years of age or without a Certificate of Condition: • Excluding the risks of scratching.2009. Wear & Tear Excluding loss or damage due to moth. that is to say. nor more than a proportionate part of such pair or set. f) Itemised Inventory . Institute Strikes Clauses (Cargo) CL386 dated 01. Biochemical and Electromagnetic Weapons th Exclusion Clause Cls.01. if the property covered by this Insurance shall at the time of loss be of greater value than the sum insured hereby the Assured shall only be entitled to recover hereunder such proportion of the said loss as the sum insured by this Policy bears to the total value of the said property. chipping or staining. marring. Institute Radioactive Contamination. noting all defects and signed and agreed by both the Assured and the Freight Forwarder / Shipping Company. d) Moth. wear. Biological. Chemical. b) Pairs and Sets Clause Where any insured item consists of articles in a pair or set this Policy is not to pay more than the value of any particular part or parts which may be lost without reference to any special value which such article or articles may have as part of such pair or set. Note: A Certificate of Condition is a document stating the condition of the vehicle at the time of entering the custody of the Freight Forwarder or Shipping Company. Institute War Clauses (Cargo) CL385 dated 01.01. H) Arts & Antiques (By Sea) Institute Cargo Clauses “A” CL382 dated 01. • Excluding theft or pilferage of Audio / Visual and/or GPS equipment unless stolen with the vehicle. Termination of Transit Clause Terrorism 2009 JC2009/056. th Institute Cyber Attack Exclusion Clause Cls.2009. Subject also to Arts & Antiques Additional Conditions as follows: a) Average Clause This Policy is subject to the condition of average. e) Climatic Conditions Clause Excluding loss or damage by climatic or atmospheric conditions or extremes of temperature. vermin. tear and gradual deterioration.

Subject also to Arts & Antiques Additional Conditions as follows: a) Average Clause This Policy is subject to the condition of average. th Institute Cyber Attack Exclusion Clause Cls. f) Itemised Inventory Subject to valued.01. barge and lightering risks whether customary or otherwise. c) Depreciation Underwriters’ liability is restricted to the reasonable cost of repair and no claim is to attach hereto for depreciation consequent thereon. b) Pairs and Sets Clause Where any insured item consists of articles in a pair or set this Policy is not to pay more than the value of any particular part or parts which may be lost without reference to any special value which such article or articles may have as part of such pair or set. Subject also to Additional Conditions as attached. 370 dated 10 November 2003. I) Used Goods . if the property covered by this Insurance shall at the time of loss be of greater value than the sum insured hereby the Assured shall only be entitled to recover hereunder such proportion of the said loss as the sum insured by this Policy bears to the total value of the said property. Biological. Institute War Clauses (Air Cargo) (excluding sendings by Post) CL388 dated 01. tear and gradual deterioration. Chemical. Vermin. e) Climatic Conditions Clause Excluding loss or damage by climatic or atmospheric conditions or extremes of temperature.Subject to valued.2009. Institute Strikes Clauses (Cargo) (Air Cargo) CL389 dated 01. that is to say. itemised inventory to be lodged with Freight Forwarder prior to shipment. Institute Radioactive Contamination. Biochemical and Electromagnetic Weapons th Exclusion Clause Cls.01. nor more than a proportionate part of such pair or set. Termination of Transit Clause Terrorism 2009 JC2009/056.2009. vermin. g) Professional Packing Excluding losses arising as a result of goods not having been professionally packed. 380 dated 10 November 2003. Including transhipment. itemised inventory to be lodged with Freight Forwarder prior to shipment. d) Moth. H1) Arts & Antiques (By Air) Institute Cargo Clauses (Air) (excluding sendings by Post) CL387 dated 01. Wear & Tear Excluding loss or damage due to moth.01. g) Professional Packing Excluding losses arising as a result of goods not having been professionally packed. wear.2009.

Termination of Transit Clause Terrorism 2009 JC2009/056 Including transhipment. the coverage is restricted to Institute Cargo Clauses "C" CL384 dated 01.2009. notes. Institute Strikes Clauses (Cargo) CL386 dated 01. Institute War Clauses (Cargo) CL385 dated 01. Institute Strikes Clauses (Cargo) CL386 dated 01. stamps. Biochemical and Electromagnetic Weapons th Exclusion Clause Cls. th Institute Cyber Attack Exclusion Clause Cls.01. watches. Institute Radioactive Contamination. travellers’ cheques. th Institute Cyber Attack Exclusion Clause Cls. Institute Strikes Clauses (Cargo) (Air Cargo) CL389 dated 01. Chemical.01. Institute War Clauses (Air Cargo) (excluding sendings by Post) CL388 dated 01. 380 dated 10 November 2003.barge and lightering risks whether customary or otherwise. fine arts or similar valuable articles other than as declared and agreed herein.2009.2009. Biochemical and Electromagnetic Weapons th Exclusion Clause Cls. 370 dated 10 November 2003.01. Electrical and Mechanical derangement Excluding loss of or damage to furs valued over USD200.2009. Biological.2009. 370 dated 10 November 2003. stamps. Subject also to Additional Conditions as attached.2009. or any cash.01. Institute Radioactive Contamination. deeds. the coverage is restricted to Institute Cargo Clauses "C" CL384 dated 01.Institute Cargo Clauses “C” CL384 dated 01. 380 dated 10 November 2003. Secondhand Replacement Clause as attached as applicable.barge and lightering risks whether customary or otherwise. Biological. travellers’ cheques. J) Tradeshow Materials (By Sea/Land) Institute Cargo Clauses “A” CL382 dated 01. For secondhand and/or used items.01. electrical and/or mechanical items.2009.2009 For any electronic. it is subject to exclusion of Electronic. Chemical. For secondhand and/or used items. barge and lightering risks whether customary or otherwise.01. jewellery. Subject also to Additional Conditions as attached.2009. Electrical and Mechanical derangement Excluding loss of or damage to furs valued over USD200. deeds. jewellery.01. Institute Strikes Clauses (Cargo) CL386 dated 01.01. th Institute Cyber Attack Exclusion Clause Cls.2009. Excluding Electrical and Mechanical derangement unless caused by a peril insured against. Institute Radioactive Contamination. Warranted shipments to be containerised Including transhipment.2009. J1) Tradeshow Materials (By Air) Institute Cargo Clauses (Air) (excluding sendings by Post) CL387 dated 01. tickets. Institute War Clauses (Cargo) CL385 dated 01. Termination of Transit Clause Terrorism 2009 JC2009/056.01. it is subject to exclusion of Electronic. Subject also to Additional Conditions as attached. Termination of Transit Clause Terrorism 2009 JC2009/056.01. Including transhipment. tickets. Biochemical and Electromagnetic Weapons th Exclusion Clause Cls. K) Used Goods – Steel Products Institute Cargo Clauses “C” CL384 dated 01.2009. 370 dated 10 November 2003. or any cash.01. watches. notes. Biological. Chemical. . 380 dated 10 November 2003. Institute War Clauses (Cargo) CL385 dated 01.2009.01.01. electrical and/or mechanical items. fine arts or similar valuable articles other than as declared and agreed herein.2009 For any electronic.01.

whether customary or otherwise. Excluding Rust. Biological. 380 dated 10 November 2003. Termination of Transit Clause Terrorism 2009 JC2009/056 Warranted containerised and packed in manufacturer’s export packing. Excluding shipment by tug and barge other than during transhipment. Secondhand Replacement Clause as attached as applicable. Oxidisation & Discolouration unless caused by a peril insured against. th Institute Cyber Attack Exclusion Clause Cls.Institute Radioactive Contamination. Biochemical and Electromagnetic Weapons th Exclusion Clause Cls. Subject also to Additional Conditions as attached. . Chemical. 370 dated 10 November 2003.