Marine Insurance Act, 1963
76. Particular average warranties
(1) Where the
subject-matter insured is warranted free from particular average, the assured
cannot recover for a loss of part, other than a loss incurred by a general
average sacrifice, unless the contract contained in the policy be
apportionable; but, if the contract be apportionable, the assured may recover
for a total loss of any apportionable part.
(2) Where the
subject-matter insured is warranted free from particular average, either wholly
or under a certain percentage, the insurer is nevertheless liable for salvage
charges, and for particular charges and other expenses properly incurred
pursuant to the provisions of the suing and laboring clause in order to avert a
loss insured against.
(3) Unless the policy
otherwise provides, where the subject-matter insured is warranted free from
particular average under a specified percentage, a general average loss cannot
be added to a particular average loss to make up the specified percentage.
(4) For the purpose of
ascertaining whether the specified percentage has been reached, regard shall be
had only to the actual loss suffered by the subject-matter insured. Particular
charges and the expenses of and incidental to ascertaining and proving the loss
must be excluded.