Definitions

Question 1

Perils of the seas

Answer 1

The term “perils of the seas” refers only to fortuitous accidents or casualties of the seas. It does not include the ordinary action of the winds and waves.

Question 2

Pirates

Answer 2

The term “pirates” includes passengers who mutiny and rioters who attack the ship from the shore

Question 3

Thieves

Answer 3

The term “thieves” does not cover clandestine theft or a theft committed by any one of the ship’s company, whether crew or passengers.

Question 4

Restraint of princes

Answer 4

The term “arrests, &c., of kings, princes, and people” refers to political or executive acts, and does not include a loss caused by riot or by ordinary judicial process.

Question 5

Barratry

Answer 5

The term “barratry” includes every wrongful act wilfully committed by the master or crew to the prejudice of the owner, or, as the case may be, the charterer.

Question 6

Ship

Answer 6

The term “ship” includes the hull, materials and outfit, stores and provisions for the officers and crew, and, in the case of vessels engaged in a special trade, the ordinary fittings requisite for the trade, and also, in the case of a steamship, the machinery, boilers, and coals and engine stores, if owned by the assured.

Question 7

Freight

Answer 7

The term “freight” includes the profit derivable by a shipowner from the employment of his ship to carry his own goods or moveables, as well as freight payable by a third party, but does not include passage money.

Question 8

Goods

Answer 8

The term “goods” means goods in the nature of merchandise, and does not include personal effects or provisions and stores for use on board.In the absence of any usage to the contrary, deck cargo and living animals must be insured specifically, and not under the general denomination of goods.