The following is a sample of the ancillary and extended covers available.
1 . Breach of contract of carriage (Deviations)
Provides cover for liability to cargo arising out of deviations. These may include geographical deviations, transhipment, dry docking with cargo onboard and hot work adjacent to cargo.
Insurance can also be arranged to cover liability to cargo arising out of cargo being carried on deck despite under deck bills of lading having been issued.
Cover in respect of Ad Valorem bills of lading and bailees/storage liabilities are also available.
2 . Members liabilities
Additional cover can be arranged for liabilities arising under contracts which fall outside the scope of Club cover. This includes towage contracts, terminal agreements and heavy lift contracts which contain indemnities and "hold harmless" clauses which are not acceptable under normal Club cover.
3. P&I risks prior to delivery
A Member may accept liabilities prior to the delivery of a new ship and require additional cover. For example these may arise under an indemnity that has to be given to the seller of a ship if the buyer wishes to put his own crew onboard for familiarisation. Alternatively, an indemnity may be required by a shipyard if the Member wishes to bunker his new building prior to delivery.
4 . Extended cargo liability
Standard Club cargo cover is based on Hague or Hague Visby Rules applying to bills of lading. In the event that the Member accepts greater liabilities, extra insurance can be arranged. Insurance is also available in respect of service contracts which are often required if shipping cargo for US manufacturing companies.
5. Container cover
The Managers are able to assist Members in arranging insurance for liabilities arising from the operation of containers which would normally fall outside the scope of Club cover.
6. Extended through transit cover
Liability to cargo interests under a through transit bill of lading has been available from the Club for many years. It is now also possible to extend Club cover to insure liabilities to third parties arising from the cargo itself, even though the incident giving rise to the claim occurred when the cargo was not on the entered ship.
7. North American clean up co-operative indemnity cover
This insures the Members liabilities arising out of non-approved indemnities contained in North American Oil Pollution Response Agreements.
8. General Average cover
Club cover provides that General Average expenditure should be in accordance with the provisions of the York / Antwerp Rules 1994. Some charter parties contain amended clauses which do not permit certain sacrifices and expenditure to be included in General Average. Insurance is available to cover these additional liabilities.
Terms of Business Agreement
It should be noted that apart from the facilities described in point 6 above, the insurance cover provided is not covered by the Association but is placed by the Managers in the commercial insurance market.
The Britannia Steam Ship Insurance Association Ltd (the Association) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority as a mutual insurance company. It is also authorised to carry out insurance mediation services. For these mediation services it is necessary to formalise its Terms of Business. This important document (attached) sets out Britannia's standards of conduct and obligations to the assured, as well as the assured's responsibilities to Britannia and the insurers.