1995年11月1日协会船舶额外责任定期保险条款
   (Institute Time Clauses, Hulls: Excess Liabilities)
   
   This insurance is subject to English law and practice
   本保险受英国法律和惯例制约

   
   第1条
   1.1 This insurance covers only:
   1.1.1 General Average, Salvage and Salvage Charges recoverable under the insurance on hull and machinery but not recoverable in full by reason of the difference between the insured value of the Vessel as stated therein (or any reduced value arising from the deduction therefrom in process of adjustment of any claim which law or practice or the terms of the insurance covering hull and machinery may have required) and the value of the Vessel adopted for the purpose of contribution to general average, salvage or salvage charges, the liability under this insurance being for such proportion of the amount not recoverable as the amount insured hereunder bears to the said difference or to the total sum insured against excess liabilities if it exceed such difference.
   1.1.2 Sue and Labour Charges recoverable under the insurance on hull and machinery but not recoverable in full by reason of the difference between the insured value of the Vessel as stated therein and the value of the Vessel adopted for the purpose of ascertaining the amount recoverable under the insurance on hull and machinery, the liability under this insurance being for such proportion of the amount not recoverable as the amount insured hereunder bears to the said difference or to the total sum insured against excess liabilities if it exceed such difference.
   1.1.3 Collision liability(three-fourths) recoverable under the Institute 1/4ths Collision Liability and Sistership Clauses in the insurances on hull and machinery but not recoverable in full by reason of such three-fourths liability exceeding three-fourths of the insured value of the Vessel as stated therein, in which case the amount recoverable under this insurance shall be such proportion of the difference so arising as the amount insured hereunder bears to the total sum insured against excess liabilities.
   1.2 The Underwriters’ liability under 1.1.1, 1.1.2 and 1.1.3 separately, in respect of any one claim, shall not exceed the amount insured hereunder.
   1.1 本保险只承保：
   1.1.1 共同海损、救助和救助费用根据本船体和机器保险可以获得补偿但未获全额补偿，是由于船舶的保险价值（或在理赔过程中按承船体和机器保险的法律、惯例或条款要求予以扣减后减少了的价值）与船舶分摊了共同海损、救助或救助费用之后的价值之间存在差额，根据本保险的责任，按照本保险的保险金额与该差额的比例，或当承保额外责任的保险金额总和超过该差额时，按本保险的保险金额与该保险金额的总和的比例，承担责任。
   1.1.2 施救费用根据本船体和机器保险可以获得补偿，但未获全额补偿，是由于船舶的保险价值与为确定根据船体和机器保险的补偿额采用的船舶价值之间存在差额，本保险下的责任为按照本保险的保险金额与该差额的比例，或当承保额外的保险金额总和超过该差额时，按本保险的保险金额与该保险金额的总和的比例，承担责任。
   1.1.3 （3/4）碰撞责任根据协会船体和机器3/4碰撞责任条款和姐妹船条款可以获得补偿，但未获全额补偿，是由于此种3/4碰撞责任超过了保险船舶的3/4保险金额而存在差额，本保险下可获补偿的金额，按本保险的保险金额与承保额外责任的保险金额的总和的比例计算。
   1.2 保险人分别根据上述1.1.1, 1.1.2和1.1.3项的责任，有关任何一次索赔，不得超过本保险的保险金额。
   
   第2条 退费条款
   2 RETURNS
   To return pro rata monthly net for each uncommenced month if this insurance be cancelled by agreement.
   The following clauses shall be paramount and shall override anything contained in this insurance inconsistent therewith.
   2 退费
   若本保险经协议解除，每一未开始的月份的净保险费按月比例退还。
   下述条款为首要条款，任何与本保险规定不一致者均以本保险规定为准。
   
   第3条 战争除外条款
   3 WAR EXCLUSION
   In no case shall this insurance cover loss damage liability or expense caused by
   3.1 war civil war revolution rebellion insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power
   3.2 capture seizure arrest restraint or detainment (barratry and piracy excepted), and the consequences thereof or any attempt thereat
   3.3 derelict mines torpedoes bombs or other derelict weapons of war.
   3 战争除外
   在任何情况下，本保险不承保由下列原因引起的灭失、损害、责任和费用。
   3.1 战争、内战、革命、叛乱、暴动或由此引起的内乱、或任何交战团体之间的敌对行为
   3.2 捕获、扣押、扣留、管制或拘押（船长、船员的欺诈恶行和海盗除外）及这些行为的后果或进行这些行为的任何企图
   3.3 遗弃的水雷、鱼雷、炸弹或其他遗弃的战争武器。
   
   第4条 罢工除外条款
   4 STRIKES EXCLUSION
   In no case shall this insurance cover loss damage liability or expense caused by
   4.1 strikers, lock-out workmen, or persons taking part in labour disturbances, riots or civil commotions
   4.2 any terrotist or any person acting from a political motive.
   4 罢工除外
    在任何情况下，本保险不承保由下列原因引起的灭失、损害、责任和费用
    4.1 罢工者、闭厂工人、或参加劳资纠纷、暴乱或民事骚乱的人员
   4.2 任何恐怖分子或出于政治动机行事的任何人员
   
   第5条 恶意行为除外条款
   5 MALICIOUS ACTS EXCLUSION
   In no case shall this insurance cover loss damage liability or expense arising from
   5.1 the detonation of an explosive
   5.2 any weapon of war and caused by any person acting maliciously or from a political motive.
   5 恶意行为除外
   在任何情况下，本保险不承保由下列原因引起的灭失、损害、责任或费用
   5.1 炸药爆炸
   5.2 任何战争武器、及由于任何人的恶意行为或出于政治动机引起者
   
   第6条 放射性污染除外条款
   6 RADIOACTIVE CONTAMINATION EXCLUSION CALUSE
   In no case shall this insurance cover loss damage liability or expense directly or indirectly caused by or contributed to by or arising from
   6.1 ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel
   6.2 the radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof
   6.3 any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force of matter.
   6 放射性污染除外
   在任何情况下，本保险均不承保由下列原因直接或间接造成，引起或可归因于其的灭失、损害、责任或费用
   6.1 来自任何核燃料、核废料或核燃料燃烧的电离辐射或放射性污染
   6.2 任何核装置、核反应堆、其他核组件或核元件的放射性的，有毒的，爆炸性的，或其他危险性或沾污性的特性；
   6.3 应用原子或核裂变和/或聚变或其他类似反应或放射性力量或特质的任何战争武器。