Institute Yacht Clause interpretation

1、(Institute Yacht Clauses 1/11/85)   第1條 船舶條款（Vessel）      1 Vessel means the hull, machinery, boat(s), gear and equipment, such as would normally be sold with her if she changed hands.   船舶是指船殼，機器，救生艇，船具和設(shè)備，諸如若船舶轉(zhuǎn)賣時，通常可與船舶一起轉(zhuǎn)賣者。      當(dāng)然，在協(xié)商

2、訂立保險合同過程中，被保險人應(yīng)描述保險游艇，亦應(yīng)聲明其價值。當(dāng)投保單格式要求被保險人提供這種及其他相關(guān)信息時，這些信息必須是真實的；若其不真實，且在影響保險人風(fēng)險評估意義上是“重要的”，那么，保險人有權(quán)撤銷保險合同，參見1906年海上保險法第18條。對于二手游艇的適度價值而言，聲明他花了多少錢，購買該游艇及在何外購買。即便未在投保單格式上特別詢問，游艇所有人亦應(yīng)對于其要求保險的保險標(biāo)的提供盡可能完整的信息，諸如，自從他購買游艇后，用于改進(jìn)和裝備新設(shè)備已花費了多少錢，及包括進(jìn)該保險的任何救生艇或其他特殊設(shè)施。      Gear and equipment

3、（船具和設(shè)備）。對于一艘帆式游艇而言，這些詞通常包括甲板上的任何東西，包括桅桿、帆桁、帆及帆具。      Such as would normally be sold with her if she changed hand（諸如若船舶易手時，通常將與船舶一起轉(zhuǎn)賣者）。這些詞語的主要目的在于排除承保任何個人財物或那些船東將認(rèn)為屬于他的個人財產(chǎn)的設(shè)備，諸如雙筒望遠(yuǎn)鏡或甚至手工操作的指南針。實踐中，個人財物的滅失通常經(jīng)由在保險單上背書以另一單獨的價值承保。      第2條 在使用中和停泊中的船舶條款  &

4、#160;   2 in commission and laid up   2.1 the vessel is covered subject to the provisions of this insurance   船舶按照本保險條款的規(guī)定承保。      2.1.1 while in commission at sea or on inland waters or in port, docks, marines, on ways, gridirons, pontoons, or on th

5、e hard or mud or at place of storage ashore, including lifting or hauling out and launching, with leave to sail or navigate with or without pilots, to go on trial trips and to assist and to tow vessels or craft in distress, or as is customary, but it is warranted that the Vessel shall not be towed,

6、except as is customary or when in need of assistance, or undertake towage or salvage services under a contract previously arranged by Owners, Masters, Managers or Charterers      當(dāng)船舶在海上，或內(nèi)水，港口，船塢，游艇停泊港，航道，船臺，浮碼頭，或在硬地或泥地，或在岸上的倉庫中使用，包括起浮或是拖帶及船舶下水，在有領(lǐng)航員或沒有領(lǐng)航員的情況下，為進(jìn)行試航，協(xié)助、拖帶遇難船舶或航空器

7、，或是依習(xí)慣船舶出海航行時。保證該船舶不能被拖帶，除非是依習(xí)慣或是基于協(xié)助的需要，或是為執(zhí)行船舶所有人、船長、船舶管理人、或是承租人事先安排的合同項下的拖帶或救助服務(wù)。      2.1.2 while laid up out of commission as provided for in Clause 4 below, including lifting or hauling out and launching, while being moved in shipyard or marina, dismantling, fitting out, ov

8、erhauling, normal maintenance or while under survey (also to include docking and undocking and periods laid up afloat incidental to laying up or fitting out and with leave to shift in tow or otherwise to or from her lay-up berth but not outside the limits of the port or place in which the Vessel is

9、laid up) but excluding, unless notice be given to the Underwriters and any additional premium required by them agreed, any period for which the Vessel is used as a houseboat or is under major repair or undergoing alteration.      在下述第4條規(guī)定的船舶擱置不用，包括起浮或拖帶及船舶下水，以及在船舶被移入船塢或游艇停泊港、拆除設(shè)備

10、、配置設(shè)備、徹底檢修、日常保養(yǎng)，或是在船舶接受檢驗的情況下（也包括進(jìn)或出船塢、偶爾擱置不用或配置設(shè)備而造成的船舶擱置、離開原地去進(jìn)行救助或基于其他目的，開往其泊位或從泊位離開，但以不離開該船舶被擱置的港口或地點為限），但不包括船舶被用做船宅或船舶正進(jìn)行重大修理或船舶正在改造的情形，除非承保人得到通知并同意所要額外增加的保險費。      2.2 Notwithstanding Clause 2.1 above the gear and equipment, including outboard motors, are covered subject to

11、 the provisions of this insurance while in place of storage or repair ashore.      盡管有上述第2條第1款的規(guī)定, 當(dāng)船舶在岸上的倉庫或修理地點時,對設(shè)備及船具的保險, 包括船外馬達(dá), 都可依據(jù)本保險的規(guī)定承保。      本條允許被保險人相當(dāng)廣泛的選擇自由，諸如在兩段承保期間通常要求的：   （1） 當(dāng)游艇在使用期間；   （2） 當(dāng)游艇在停泊期間。     &#

12、160;通常該兩段期間在保險合同訂立之前已經(jīng)商定，并在保險單明細(xì)表中載明。見下述第4條。      當(dāng)船舶處于“大修”期間或處于更換期間保險除外，除非保險人事先批準(zhǔn)，當(dāng)游艇被用作“船屋”的任何期間均除外不保。      Used as a houseboat(用作船屋)意指被保險人將游艇作為永久性的固定居所；它還包括船員在游艇停泊期間用作起居間。參見：The “Moonacre”一案      第3條 航行和租船保證條款   3 NAVIGATINGAND

13、CHARTERHIREWARRANTIES      3.1 Warranted not navigating outside the limits stated in the Schedule to the policy or, provided previous notice be given to the Underwriters, held covered on terms to be agreed.      保證不在保險單條款規(guī)定的范圍之外航行，除非保險人事先得到通知并按約定的條件續(xù)保。  &

14、#160;3.2 Warranted to be used solely for private pleasure purposes and not for hire charter or reward, unless specially agreed by the Underwriters.      保證游艇只能用于私人娛樂的目的，除非經(jīng)保險人的特別同意，不得用于租船或用于獲取報酬。      第4條 停泊保證條款（LAID UP WARRANTY）      Warra

15、nted laid up out of commission as stated in the Schedule to the policy, or held covered on terms to be agreed by the Underwriters.      保證按照保險單條款的規(guī)定將船舶停泊，或事先通知保險人，按照約定的條件續(xù)保。      航行限制及當(dāng)船舶分別處于使用期間及停泊期間，均屬于明顯影響保險人評估風(fēng)險的問題，因此這些事實在訂立保險合同之前，必須經(jīng)由投保單或其他方式告知。這些條款，及第3.2

16、款涉及游艇的使用僅能用于私人娛樂的目的，均為保證條款，被保險人違反這些條款，保險人有權(quán)撤銷保險單。不過，如果被保險人在保單有效期間改變其計劃，亦即，進(jìn)行超出先前約定的航行限制區(qū)域的航行及/或擴展游艇使用期間，若被保險人事先書面通知保險人他可按約定的條件續(xù)保。若他想將游艇出租給其他人，如果取得保險人同意，他可以這么做。      第5條 航速保證（SPEED WARRANTY）      5.1 Warranted that the maximum designed speed of the Vessel, or t

17、he parent vessel in the case of a vessel with boat(s), does not exceed 17 knots.      保證船舶設(shè)計的最高時速，或是在有子船的情形下，母船的最高時速，不得超過17節(jié)。      5.2 Where the Underwriters have agreed to delete this warranty, the conditions of the Speedboat clause 19 below shall also apply.

18、      如果保險人同意刪除該保證條款，則應(yīng)適用下述第19條子船時速條款的條件。      這并非在第3條和第4條中使用的詞語相同意義上的“保證”。第5.1款的效果在于：如果該游艇有最高時速設(shè)計超過17節(jié)，本保險不生效。不過，由于船速乃承保風(fēng)險之前必須告知的事項，保險人幾乎肯定要求適用“第19條快艇條款”。在此種情況下，該航速保證將被刪除。      第6條 延續(xù)條款（CONTINUATION）      Should the Ves

19、sel at the expiration of this insurance be at sea or in distress or at a port or place of refuge or of call, she shall, provided prompt notice be given to the Underwriters, be held covered at a premium to be agreed and anchored or moored at her next port of call in good safety.     &#

20、160;如果保險期間結(jié)束時，船舶正在海上，或處于危急中，在避難港或其他地方避難或是在中途港，假如立即通知保險人，那么船舶將按約定保險費續(xù)保，直至該船舶安全地錨泊或系泊在下一個?？扛劭凇?     除了該延續(xù)期間將在游艇安全地錨泊或系泊在下一個?？扛劭诮Y(jié)束之外，本條與1983年10月1日協(xié)會船舶定期保險條款第2條延續(xù)條款內(nèi)容相似。      第7條 轉(zhuǎn)讓條款（ASSIGNMENT）      No assignment of or interest in this insura

21、nce or in any moneys which may be or become payable thereunder is to be binding on or recognized by the Underwriters unless a dated notice of such assignment or interest signed by the Assured, and by the assignor in the case of subsequent assignment, is endorsed on the policy and the policy with suc

22、h endorsement is produced before payment of any claim or return of premium thereunder.      本保險利益或依本保險得付或應(yīng)付款項的轉(zhuǎn)讓，除非經(jīng)被保險人，和在后續(xù)轉(zhuǎn)讓時經(jīng)受讓人簽署載有日期的此種轉(zhuǎn)讓通知批注在保險單上，并在支付賠償或退還保險費之前將如此批注的保險單提交給保險人，不約束保險人或為保險人承認(rèn)。      本條與此1983年10月1日協(xié)會船舶定期保險條款第5條相同。（1995年11月1日協(xié)會船舶定期保險條款第21條）。

23、      第8條 所有權(quán)變更條款（CHANCE OF OWNERSHIP）      This clause 8 shall prevail notwithstanding any provision whether written typed or printed in this insurance inconsistent therewith.      如本保險的任何條款，無論是手寫的打印的或印刷的，與本條規(guī)定不一致，則以本第8條為準(zhǔn)。    &#

24、160; 8.1 Should the Vessel be sold or transferred to new ownership, or , where the Vessel is owned by a company, Should there be a change in the controlling interest(s) of the company, then, unless the Underwriters agree in writing to continue the insurance, this insurance shall become cancelle

25、d from the time of such sale transfer or change and a pro rata daily net return of premium be madecalculated on the premium charged for the in commission and /or laid up period.      假若船舶售給、轉(zhuǎn)讓給新的所有人，或在船舶由公司所有之場合，已離開系泊地在海上，則應(yīng)被保險人的要求，保險合同應(yīng)當(dāng)延續(xù)至該船舶到達(dá)目的港目的地時才能解除。如果對公司控股權(quán)發(fā)生變更，那么，除非保險人書

26、面同意續(xù)保，本保險自此種售與轉(zhuǎn)讓或變更發(fā)生時注消，按照船舶在使用時和停泊期間計算的保險費，將按日凈保險費比例退回。      8.2If however the Vessel shall have left her moorings or be at sea at the time of sale or transfer such cancellation shall if required by the Assured to suspended until arrival at port or place of destination.  &

27、#160;   不過，若船舶出售或轉(zhuǎn)讓時已離開錨地或在海上，如果被保險人要求，此種注銷應(yīng)中止，直至船舶抵達(dá)目的地或目的港。      所有標(biāo)準(zhǔn)船舶格式保險所提供的保險將在發(fā)生船舶所有權(quán)變更時終止。在承保運輸船舶的格式保單中，相關(guān)的條款構(gòu)成終止條款的一部分，例如，1995年11月1日協(xié)會船舶定期保險條款第5.2款。通過引語之黑體字該條款的效力高于保險單中任何與之不一致的無論是手寫的，打印的或印刷的條款。不過，如果游艇在其出售或轉(zhuǎn)讓當(dāng)時，已離開其錨泊地或已在海上，被保險人有權(quán)推遲解除保險單，直至該游艇已抵達(dá)其目的港為止。  &#

28、160;   第9條 危險條款（PERILS）      Subject always to the exclusions in this insurance   本保險受制于下列除外條件   9.1 this insurance covers loss of or damage to the subject-matter insured caused by   本保險承保下列原因造成的保險標(biāo)的損失或損害   9.1.1 perils of the sea

29、s rivers lakes or other navigable waters   海上、江河、湖泊或其他可航水域的危險   9.1.2 fire   火災(zāi)   9.1.3 jettison   拋棄   9.1.4 piracy   海盜   9.1.5 contact with dock or harbour equipment or installation, land conveyance, aircraft or simil

30、ar objects or objects falling therefore   與碼頭、港口設(shè)備或裝置、陸上運輸工具、航空器或類似裝置及從其上跌落的物體的接觸   9.1.6 earthquake volcanic eruption or lighting   地震火山爆發(fā)或閃電      9.2 and, provided such loss or damage has not resulted from want of due diligence by the Assured Owner

31、s or Managers, the insurance covers   如果此種滅失或損害并非由于被保險人、船東、或管理人未謹(jǐn)慎處理所致，本保險承保：      9.2.1 loss of or damage to the subject-matter insured caused by   由于下列原因引起的保險標(biāo)的的滅或損害：      9.2.1.1 accidents in loading, discharging or moving stores, gear,

32、equipment, machinery or fuel   在裝卸或移動備用品、船具、設(shè)備機器或燃料過程中的意外事故   9.2.1.2 explosions   爆炸   9.2.1.3 malicious acts   惡意行為   9.2.1.4 theft of the entire Vessel or her boats, or outboard motors provided it is securely locked to the Vessel or her

33、boats by an anti-theft device in addition to its normal method of attachment, or, following upon forcible entry into the Vessel or place of storage or repair ,theft of machinery including outboard motors, gear or equipment   偷竊整艘船舶或其救生艇，或其舷外桂機，若其在通常的連接方式之外，通過某種防盜裝置安全地銷定在船上或其救生艇上，或經(jīng)強行進(jìn)入船內(nèi)或積

34、載或檢修場所，偷竊機器設(shè)備包括舷外桂機，船具或設(shè)施      9.2.2 loss of or damage to the subject-matter insured, excepting motor and connections (but not strut shaft or propeller) electrical equipment and batteries and connections, caused by   由于下列原因所致的保險標(biāo)的（除了發(fā)動機及其接管（但不包括軸架或推進(jìn)器）電器設(shè)備及電池接線之外）的滅失或損害

35、      9.2.2.1 latent defects in hull or machinery, breakage of shafts or bursting of boilers(excluding the cost and expense of replacing or repairing the defective part broken shaft or burst boiler)   船殼或機器的潛在缺陷，尾軸斷裂或鍋爐破裂（不包括更換或修理有缺陷的另部件，斷裂的尾軸，破裂的鍋爐本身的費用或花費）   

36、;9.2.2.2 the negligence of any person whatsoever, but excluding the cost of making good any defect resulting from either negligence or breach of contract in respect of any repair or alteration work carried out for the account of the Assured and /or the Owners or in respect of the maintenance of the

37、Vessel.   無論任何人的過失，但不包括修復(fù)任何缺陷的費用（此種缺陷是由于對有關(guān)被保險人或船東履行其任何修理或更換工作或有關(guān)船舶保養(yǎng)維修工作的過失或違約所致）      9.3 this insurance covers the expense of sighting the bottom after a standing, if reasonably incurred specially for that purpose, even if no damage be found.   本保險承保船舶擱淺后檢查

38、船底的費用，只要是為該目的而合理產(chǎn)生者，即便未發(fā)現(xiàn)損害亦然。      該列名危險與承保商業(yè)船舶的格式保單中的列名危險大體相同，但應(yīng)注意下述異同點：      （1）爆炸和偷竊危險被移至本條第2款，并受被保險人船東或管理人履行謹(jǐn)慎處理義務(wù)的制約。理由十分明顯，遺憾的是，私人游艇特別面臨這些危險：爆炸，因為在操作其氣體系統(tǒng)時缺乏謹(jǐn)慎注意，罐裝液化氣可能泄漏，由于液化氣比空氣重，易在舭部聚集，形成一個總是存在的爆炸危險源；偷竊，因為游艇通常長時間內(nèi)無人看管，因此承保偷竊險相對限于一定的范圍。見第9.2.1.4分項的詳細(xì)

39、規(guī)定。      （2）船殼或機器的潛在缺陷危險及任何人員的過失均在承保之列。但對發(fā)動機及其接管（不包括軸架或推進(jìn)器）電器設(shè)備，電池接線的滅失或損害的索賠”除外。按照公認(rèn)的英琪馬麗條款的解釋，有缺陷的另部件本身的損壞亦除外。      值得一提的是，對潛在缺陷引起的滅失或損害提供的承保并不擴展對船具和設(shè)備的潛在缺陷。因此，由于固定索具的某部件的潛在缺陷致使桅桿倒下造成的損害不能根據(jù)本保險索賠。      （3）對修理人的過失所致的損害提供的保險有一項例外，大意為將可獲賠償?shù)姆?/p>

40、圍限于由于此種過失造成的缺陷引起的間接損害，亦即，排除修理或更換因該過失引起的有缺陷另部件的費用。不過，如果修理人是為保險人的利益而進(jìn)行修理，即為海損修理；該除外不適用。      第10條 除外條款   10 EXCLUSIONS   No claim shall be allowed in respect of any   10.1 outboard motor dropping off or falling overboard   10.2 ships boat hav

41、ing a maximum designed speed exceeding 17 knots, unless such boat is specially covered herein and subject also to the conditions of the Speedboat Clause 19 below, or is on the parent Vessel or laid up shore   10.3 ships boat not permanently marked with the name of the parent Vessel  &

42、#160;10.4 sails and protective covers split by the wind or blown away while set, unless in consequence of damage to the spars to which sails are bent, or occasioned by the Vessel being stranded or in collision or contact with any external substance ( ice included) other than water   10.5 s

43、ails, masts, spars or standing and running rigging while the Vessel is racing, unless the loss or damage is caused by the Vessel being stranded, sunk, burnt, on fire or collision or contact with any external substance (ice included) other than water   10.6 personal effect   10.7

44、consumable stores, fishing gear or moorings   10.8 sheathing, or repairs thereto, unless the loss or damage has been caused by the Vessel being stranded, sunk, burnt, on fire or in collision or contact with any external substance (ice included other than water   10.9 loss or expe

45、nditure incurred in remedying a fault in design or construction or any cost or expense incurred by reason of betterment or alteration in design or construction   10.10 motor and connections ( but not strut shaft or propeller) electrical equipment and batteries and connections, where the lo

46、ss or damage has been caused by heavy weather, unless the loss or damage has been caused by the Vessel being immersed, but this Clause 10.10 shall not exclude loss or damage caused by the Vessel being stranded or in collision or contact with another vessel, pier or jetty.      以下

47、情況不得索賠   10.1 舷外掛機脫落或從舷外落入水中      10.2 有最大設(shè)計時速的船載救生艇航速超過17節(jié)， 除非在保險合同中特別承保并符合快艇條款第19條規(guī)定的條件或者載于母船之上或系泊于岸      10.3 船載救生艇非永久記載有母船名      10.4 固定的船帆或防護罩被風(fēng)扯破或吹走， 除非是由于有船帆掛著的帆桁受到損害， 或船舶擱淺、碰撞、或與其他除水外的外物（包括冰）接觸所致      1

48、0.5船舶航行時， 船帆、船桅、帆桁或靜索與動索的滅失或損害， 除非該滅失或損害因船舶擱淺、沉沒、燒毀、失火、碰撞或與其他除水外的外物（包括冰）接觸所致      10.6 人為作用      10.7 易耗物料、捕撈設(shè)備或系泊屬具      10.8 鎧裝物、維修物的滅失或損害， 除非因船舶擱淺、沉沒、燒毀、失火、碰撞或與其他除水外的外物（包括冰）接觸所致      10.9 彌補設(shè)計或建造中的缺陷而致的損失或費用或者設(shè)計或建造中的改

49、良或改變而致的費用      10.10 由于惡劣天氣所致的發(fā)動機、接管（非軸架或推進(jìn)器）、電器設(shè)備、電池接線的滅失或損害， 除非該滅失或損害是由于船舶浸水導(dǎo)致；但本10.10款不排除船舶擱淺、碰撞或與另一船舶、碼頭、棧橋接觸而導(dǎo)致的滅失或損害      本條除外的范圍相當(dāng)廣泛，其中某些適用于滅失或損害的種類是游艇特別易受損害的，也是被保險人難以證明是由承保危險引起的。第10.4款便是一例，事實上本條的措辭是基于一項有200多年歷史的勞氏古老的習(xí)慣，該習(xí)慣制約著評定固定的船帆被風(fēng)扯破或吹走損害索賠。  &

50、#160;第10.10款是對同一原則的現(xiàn)代的擴展規(guī)定。      第11條：對第三方責(zé)任條款      11 LIABILITY TO THIRD PARTIES   This Clause only to apply when a sum is stated for this purpose in the Schedule to the policy   11.1 The Underwriters agree to indemnify the Assured for any

51、 sum or sums which the Assured shall become legally liable to pay and shall pay, by reason of interest in the insured Vessel and arising out of accidents occurring during the currency of this insurance, in respect of   11.1.1 loss of or damage to any other vessel or property whatsoever

52、60; 11.1.2 loss of life, personal injury or illness, including payments made for life salvage, caused on or near the Vessel or any other vessel   11.1.3 any attempted or actual raising, removal or destruction of the wreck of the insured Vessel or the cargo thereof or any neglect or fa

53、ilure to raise, remove or destroy the same.   11.2 LEGLE COSTS   The Underwriter will also pay, provided their prior written consent has been obtained,   11. 2. 1 the legal costs incurred by the Assured or which the Assured may be compelled to pay in contesting liabilit

54、y or taking proceedings to limit liability   11.2.1 the costs of representation at any coroners inquest or fatal accident enquiry.   11.3 SISTERSHIP   Should the Vessel hereby insured come into collision with or receive salvage services from another vessel belonging who

55、lly or in part to the same Owners or under the same management, the Assured shall have the same rights under this insurance as they would have were the other vessel entirely the property of owners not interested in the Vessel hereby insured; but in such cases the liability for the collision or the a

56、mount payable for the services rendered shall be referred to as a sole arbitrator to be agreed upon between the Underwriters and the Assured.   11.4 NAVIGATION BY OTHER PERSONS    The provisions of this Clause 11 shall extend to any person navigating or in charge of the insured V

57、essel with the permission of the Assured named in this insurance ( other than a person operating, or employed by the operator of, a shipyard, marina, repair yard, slipway, yacht club, sales agency or similar organization) and who while so navigating or in charge of the Vessel shall consequence of an

58、y occurrence covered by this Clause 11 become liable to pay and shall pay any sum or sums to any person or persons, other than to the Assured named in this insurance, but indemnity under this Clause shall inure to the benefit of the Assured and only to a person navigating or in charge of the Vessel

59、as described above, at the written request of and through the agency of the Assured. Nothing in this extension shall increase the Underwriters liability beyond the limitation of liability imposed by Clause 11.8 and this extension shall be subject to all other terms and warranties of this insurance.

60、  Nothing in this Clause 11.4 shall be deemed to override the provisions of Clause 3.2 above.   11.5 REMOVEAL OF WRECK EXTENTION   This insurance also to pay the expenses, after deduction of the proceeds of the salvage, of the removal of the wreck of the insured Vessel

61、from any place owned, leased or occupied by the Assured.   11.6 LIABILITIES SECTION EXCLUSEIONS   Notwithstanding the provisions of this Clause 11 this insurance does not cover any liability cost or expense arising in respect of   11.6.1 any direct or indirect payment b

62、y the Assured under workmens compensation or employers liability acts and any other statutory or common law liability in respect of accidents to or illness of workmen or any other persons employed in any capacity whatsoever by the Assured or by any persons to whom the protection of this insurance is

63、 afforded by reason of the provisions of Clause 11.4 above, in on or about or in connection with the Vessel hereby insured or her cargo, materials or repairs   11.6.2 any boat belonging to the Vessel and having a maximum designed speed exceeding 17 knots, unless such boat is specially cove

64、red herein and subject also to the conditions of the Speedboat Clause 19 below, or is on the parent Vessel or laid up ashore   11.6.3 any liability to or incurred by any person engaged in water skiing or aquaplaning, while being towed by the Vessel or preparing to be towed or after being t

65、owed until safely on board or ashore   11.6.4 any liability to or incurred by any person engaged in a sport or activity, other than water skiing or aquaplaning, while being towed by the Vessel or preparing to be towed or after being towed until safely on board or ashore   11. 6.

66、5 punitive or exemplary damages, however described.   11. 7 WATER SKIERS LIABILITIES    Should Clause 11.6.3 and /or Clause 11.6.4 above be deleted, the liabilities mentioned in such clause(s) shall be covered hereunder, subject always to the warranties, conditions and limits of this insurance.   11.8 LIMIT OF LIABILITY   The liability of the Underwriters under this Clause 11, in respect of any one accide