Marine Insurance Act 1993

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Current to December 2, 2010 jour au 2 dcembre 2010

Published by the Minister of Justice at the following address:http://laws-lois.justice.gc.ca

Publi par le ministre de la Justice ladresse suivante :http://lois-laws.justice.gc.ca

CANADA

CONSOLIDATION

Marine Insurance Act

CODIFICATION

Loi sur lassurancemaritime

S.C. 1993, c. 22 L.C. 1993, ch. 22


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OFFICIAL STATUSOF CONSOLIDATIONS

CARACTRE OFFICIELDES CODIFICATIONS

Subsections 31(1) and (2) of the Legislation Revision and Consolidation Act , in force onJune 1, 2009, provide as follows:

Les paragraphes 31(1) et (2) de la Loi sur larvision et la codification des textes lgislatifs ,en vigueur le 1er juin 2009, prvoient ce quisuit :

Publishedconsolidation isevidence

31. (1) Every copy of a consolidated statute or consolidated regulation published by the Minister under this Act in either print or electronic form is ev-idence of that statute or regulation and of its contentsand every copy purporting to be published by theMinister is deemed to be so published, unless thecontrary is shown.

31. (1) Tout exemplaire d'une loi codifie oud'un rglement codifi, publi par le ministre en ver-tu de la prsente loi sur support papier ou sur supportlectronique, fait foi de cette loi ou de ce rglementet de son contenu. Tout exemplaire donn comme publi par le ministre est rput avoir t ainsi publi, sauf preuve contraire.

Codificationscomme lmentde preuve

Inconsistenciesin Acts

(2) In the event of an inconsistency between aconsolidated statute published by the Minister under this Act and the original statute or a subsequentamendment as certified by the Clerk of the Parlia-ments under the Publication of Statutes Act , the orig-inal statute or amendment prevails to the extent of the inconsistency.

(2) Les dispositions de la loi d'origine avec sesmodifications subsquentes par le greffier des Parle-ments en vertu de la Loi sur la publication des loisl'emportent sur les dispositions incompatibles de laloi codifie publie par le ministre en vertu de la pr-sente loi.

Incompatibilit lois


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Marine Insurance December 2, 2010

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disbursement, is endangered by the exposureof insurable property to maritime perils, and(b) any liability to a third party may be in-curred by the owner of, or other person inter-ested in or responsible for, insurable proper-ty, by reason of maritime perils;

marine policy policemaritime

marine policy means the instrument evidenc-ing a contract;

maritime perils prils de mer

maritime perils means the perils consequenton or incidental to navigation, including perilsof the seas, fire, war perils, acts of pirates or thieves, captures, seizures, restraints, detain-ments of princes and peoples, jettisons, barratryand all other perils of a like kind and, in respectof a marine policy, any peril designated by the policy;

movable bienmobilier

movable means any movable tangible proper-

ty, other than a ship or goods, and includesmoney, valuable securities and other docu-ments;

ship navire

ship includes the hull, machinery, materialsand outfit and the stores and provisions for theofficers and crew and also includes fuel, oilsand engine stores, if they are owned by the in-sured, and, in the case of a ship engaged in aspecial trade, the ordinary fittings required for the trade.

navire Coque, machinerie et armement. Ysont compris en outre, sils appartiennent lassur, les combustibles et les pices de re-change, ainsi que, dans le cas dun navire affec-t un transport particulier, les accessoires pr-vus cette fin. En font galement partie les

vivres et approvisionnements des officiers et delquipage.

navire ship

oprations maritimes Les oprations mari-times sentendent de toute situation o des biens assurables sont exposs aux prils de mer et comprennent celles o, selon le cas :

a) le gain ou lacquisition dun fret, dunecommission, dun profit ou de tout autreavantage pcuniaire ou une sret pour avances, prts ou frais sont compromislorsque les biens sont exposs aux prils demer;

b) la responsabilit du propritaire de ces biens ou de toute autre personne responsablede ceux-ci ou y ayant un intrt risque dtreengage envers un tiers en raison de tels p-rils.

oprationsmaritimes marineadventure

prils de mer Prils rsultant de la naviga-tion ou lis celle-ci, y compris les fortunes demer, incendies, risques de guerre, actes de pira-terie, vols, captures, saisies, prises de navire oude cargaison, contraintes, dtentions de prince,autorit ou peuple, jets la mer, barateries ettous autres prils comparables. Sont inclus dans

la prsente dfinition les prils viss par la po-lice maritime.

prils de mer maritime

perils

police maritime Le document qui fait foi ducontrat.

policemaritime marine policy

Other terms (2) The following terms have the meaningsassigned by the provisions indicated besidethem:

(a) actual total loss, subsection 56(1);(b) constructive total loss, section 57;(c) general average act, subsection 65(2);

(d ) general average contribution, subsection65(3);(e) general average expenditure, subsection65(2);( f ) general average loss, subsection 65(1);( g ) general average sacrifice, subsection65(2);

(2) Les termes qui suivent sentendent ausens des dispositions mentionnes :

a) perte totale relle, paragraphe 56(1);b) perte rpute totale, article 57;c) acte davarie commune, paragraphe65(2);

d ) contribution davarie commune, para-graphe 65(3);e) dpenses davarie commune, paragraphe65(2);

f ) avarie commune, paragraphe 65(1); g ) sacrifices davarie commune, paragraphe65(2);

Terminologie


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(h) particular average loss, subsection 63(1);(i) particular charges, subsection 63(2);( j) salvage charges, subsection 64(1);(k ) time policy, subsection 29(3);(l ) unvalued policy, subsection 30(3);(m) valued policy, subsection 30(2); and(n) voyage policy, subsection 29(2).

h) avarie particulire, paragraphe 63(1);i) frais de conservation, paragraphe 63(2);

j) frais de sauvetage, paragraphe 64(1);k ) police temps, paragraphe 29(3);l ) police dcouvert, paragraphe 30(3);m) police valeur agre, paragraphe 30(2);n) police au voyage, paragraphe 29(2).

Construction of marine policies

3. Subject to this Act and unless a contraryintention appears, the words and terms set outin the schedule have, when used in a marine policy, the meanings assigned by the schedule.

3. Sous rserve des autres dispositions de la prsente loi et sauf indication contraire, lesrgles nonces lannexe sappliquent toutes les polices maritimes.

Rgles rgissantles polices

Rules of Canadianmaritime law

4. The rules of Canadian maritime law con-tinue to apply in respect of contracts, except inso far as the rules are inconsistent with this Act.

4. Les rgles du droit maritime canadiencontinuent, sauf incompatibilit avec la pr-sente loi, sappliquer aux contrats.

Rgles du droitmaritimecanadien

Application 5. This Act applies in respect of contracts

concluded on or after the coming into force of this Act.

5. La prsente loi sapplique aux contrats

conclus compter de son entre en vigueur.

Application

CONTRACT OF MARINE INSURANCE CONTRAT DASSURANCE MARITIMEContract of marineinsurance

6. (1) A contract of marine insurance is acontract whereby the insurer undertakes to in-demnify the insured, in the manner and to theextent agreed in the contract, against

(a) losses that are incidental to a marine ad-venture or an adventure analogous to a ma-rine adventure, including losses arising froma land or air peril incidental to such an ad-

venture if they are provided for in the con-tract or by usage of the trade; or (b) losses that are incidental to the building,repair or launch of a ship.

6. (1) Le contrat dassurance maritime est lecontrat par lequel lassureur sengage indem-niser lassur selon les modalits et dans la me-sure qui y sont prcises :

a) des pertes lies aux oprations maritimesou aux oprations analogues, notammentcelles rsultant dun pril terrestre ou arienli ces oprations si elles sont prvues soit

par le contrat soit par les usages du com-merce;b) des pertes lies la construction, la r- paration ou au lancement des navires.

Nature

Coverage (2) Subject to this Act, any lawful marineadventure may be the subject of a contract.

(2) Sous rserve des autres dispositions de la prsente loi, toute opration maritime licite peut faire lobjet dun contrat.

Oprationsassurables

INSURABLE INTEREST INTRT ASSURABLEInsurableinterest required

7. (1) In order to recover under a contractfor a loss, the insured must have an insurableinterest in the subject-matter insured at the timeof the loss, but need not have such an interestwhen the contract is concluded.

7. (1) Pour tre indemnis dune perte envertu du contrat, lassur doit avoir, au momentde la perte, un intrt assurable dans la choseassure, lequel nest pas ncessaire au momentde la conclusion du contrat.

Tempsdacquisition delintrt

Lost or notlost insurance

(2) Notwithstanding subsection (1), wherethe subject-matter is insured lost or not lost,the insured may recover in respect of an insur-able interest in the subject-matter acquired after a loss unless, at the time the contract was con-

(2) Par drogation au paragraphe (1), dansles cas dassurance sur bonnes ou mauvaisesnouvelles , lassur qui acquiert lintrt assu-rable aprs la perte a quand mme droit lin-demnit, sauf si, au moment de la conclusion

Assurance sur bonnes oumauvaisesnouvelles


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cluded, the insured was aware of the loss andthe insurer was not.

du contrat, il tait au courant de la perte alorsque lassureur ne ltait pas.

Where nointerest

(3) An insured who has no insurable interestin the subject-matter insured at the time of aloss cannot acquire an insurable interest by anyact or election after becoming aware of the loss.

(3) Lassur qui na pas dintrt assurableau moment de la perte ne peut lacqurir par unacte ou lexercice dune option aprs avoir euconnaissance de la perte.

Limite

Insurableinterest - general principle

8. (1) Subject to this Act, a person who hasan interest in a marine adventure has an insur-able interest.

8. (1) Sous rserve des autres dispositionsde la prsente loi, quiconque a un intrt dansune opration maritime a un intrt assurable.

Principe gnral

Interest inmarineadventure

(2) A person has an interest in a marine ad-venture if the person has a legal or equitable re-lation to the adventure, or to any insurable property at risk in the adventure, and may bene-fit from the safety or due arrival of insurable property, may be prejudiced by its loss, damageor detention or may incur liability in respect of it.

(2) Une personne a un intrt dans une op-ration maritime si elle a un lien, en droit ou enequity, avec lopration ou les biens assurablesqui y ont t engags et peut soit bnficier dela sauvegarde ou de la bonne arrive de ceux-ci, soit subir un prjudice en cas de perte, dedommage ou de dtention, soit engager sa responsabilit leur gard.

Intrt dans uneoprationmaritime

Defeasible or contingentinterests

9. (1)

A defeasible interest and a contingentinterest are insurable interests. 9.

(1)

Lintrt annulable ou ventuel estassurable. Intrt annulableou ventuel

Buyer of goods (2) A buyer of goods who has insured themhas an insurable interest even though the buyer might have elected to reject the goods or totreat them as at the sellers risk for any reason,including a delay in delivering them.

(2) Lacheteur de marchandises qui a assurcelles-ci a un intrt assurable mme lorsquilaurait pu choisir de les refuser ou de les consi-drer comme tant au risque du vendeur pour quelque motif que ce soit, notamment en cas deretard dans la livraison.

Intrt delacheteur desmarchandises

Partial interest 10. A partial interest of any nature is an in-surable interest.

10. Lintrt partiel de toute nature est assu-rable.

Intrt partiel

Master andcrews wages

11. The master and any member of the crewof a ship have insurable interests in their ownwages.

11. Le capitaine du navire et les membres delquipage ont un intrt assurable lgard deleur propre salaire.

Intrt ducapitaine et de

lquipage

Advance freight 12. A person who advances freight has aninsurable interest, in so far as the freight is notrepayable in case of loss.

12. La personne qui a pay lavance unfret a un intrt assurable dans la mesure o cefret nest pas remboursable en cas de perte.

Fret pay lavance

Charges of insurance

13. An insured has an insurable interest inthe charges for any insurance that the insuredhas effected.

13. Lassur a un intrt assurable lgarddes frais de lassurance quil a contracte.

Fraisdassurance

Reinsurance 14. The insurer under a contract has an in-surable interest in the risk insured and mayreinsure in respect of it, but, unless the marine policy provides otherwise, the original insured

has no right or interest in the reinsurance.

14. Lassureur a, du fait du contrat, un int-rt assurable lgard du risque quil assure et peut le rassurer; le premier assur na cepen-dant, sauf disposition contraire de la police ma-

ritime, aucun droit ou intrt lgard de la r-assurance.

Rassurance

Bottomry 15. A lender of money on the security of aship or a ships cargo has an insurable interestin respect of the loan.

15. Le prteur dargent a un intrt assurable lgard du prt, si le prt est garanti par unnavire ou sa cargaison.

Prt la grosse

Quantum of mortgagorsinterest

16. (1) A mortgagor of insurable propertyhas an insurable interest in its full value, and

16. (1) Le dbiteur hypothcaire a un intrtassurable pour la valeur totale du bien assurable

Valeur delintrt : bienhypothqu


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the mortgagee has an insurable interest in anysum due or to become due under the mortgage.

hypothqu; le crancier hypothcaire a un in-trt assurable lgard de tout versement chuou choir aux termes du prt.

Interest of mortgagee,consignee or other person

(2) A mortgagee, consignee or other personwho has an insurable interest in the subject-matter insured may insure on the persons own behalf, on behalf and for the benefit of any oth-er interested person or both on the personsown behalf and on behalf and for the benefit of any other interested person.

(2) Le crancier hypothcaire, le consigna-taire ou toute autre personne ayant un intrtassurable dans la chose assure peut contracter une assurance pour son propre compte, pour ce-lui dautres intresss ou pour les deux lafois.

Intrt :crancier hypothcaire,consignataire ou

autre

Quantum of owners interest

(3) The owner of insurable property has aninsurable interest in its full value, even where athird person has agreed, or is liable, to indemni-fy the owner in case of loss.

(3) Le propritaire dun bien assurable a unintrt assurable pour la valeur totale de ce bien, mme si un tiers a convenu ou peut tretenu de lindemniser en cas de perte.

Valeur delintrt : propritaire

Assignment of interest

17. (1) An insured who assigns or otherwise parts with an insurable interest in the subject-matter insured does not thereby transfer therights of the insured under the contract, unlessthere is an express or implied agreement to thateffect.

17. (1) Lassur qui cde son intrt assu-rable dans la chose assure ne transfre pas dece fait ses droits dcoulant du contrat, moinsdune entente expresse ou implicite cet effet.

Cession dintrt

Exception (2) Subsection (1) does not apply in respectof a transmission of interest by operation of law.

(2) Le paragraphe (1) ne sapplique pas une transmission dintrt survenue par leffetde la loi.

Exception

Gaming or wageringcontracts void

18. (1) Every contract by way of gaming or wagering is void.

18. (1) Le contrat conclu par jeu ou par pariest nul.

Jeu et pari

Presumption (2) A contract is deemed to be a contract byway of gaming or wagering if

(a) the insured has no insurable interestwithin the meaning of this Act and the con-tract is concluded with no expectation of ac-quiring such an interest; or (b) the marine policy is made interest or nointerest, without further proof of interestthan the policy itself or without benefit of salvage to the insurer or is subject to anyother like term.

(2) Un contrat est rput conclu par jeu ou par pari dans lun ou lautre des cas suivants :

a) lassur na pas dintrt assurable ausens de la prsente loi et le contrat est conclusans lattente dacqurir un tel intrt;b) la police maritime comporte des stipula-tions comme intrt ou sans intrt , sans autre preuve dintrt que la policeelle-mme ou sans bnfice du sauvetage pour lassureur .

Prsomption

Exception (3) Paragraph (2)(b) does not apply in re-spect of a marine policy that is made without benefit of salvage to the insurer or is subject toany other like term, if there is no possibility of salvage.

(3) Lalina (2)b) ne sapplique pas lgard de la police maritime qui comporte unestipulation comme sans bnfice du sauve-tage pour lassureur sil y a impossibilit desauvetage.

Exception

INSURABLE VALUE VALEUR ASSURABLECalculation of insurable value

19. (1) Subject to any express provision of,or any value specified in, the marine policy, theinsurable value of the subject-matter insured is

(a) in the case of insurance on a ship, the ag-gregate of the value of the ship at the com-

19. (1) Sauf stipulation contraire ou valeur spcifie dans la police maritime, la valeur as-surable de la chose assure correspond :

Calcul


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mencement of the risk and the charges of in-surance;(b) in the case of insurance on freight,whether paid in advance or not, the aggre-gate of the gross amount of the freight at therisk of the insured and the charges of insur-ance;(c) in the case of insurance on goods, the ag-gregate of the prime cost of the goods, theexpenses of and incidental to shipping andthe charges of insurance on those goods andexpenses; and(d ) in the case of insurance on any other subject-matter, the aggregate of the amountat the risk of the insured when the policy at-taches and the charges of insurance.

a) dans les cas dassurance sur corps, lavaleur du navire au commencement durisque, majore des frais dassurance;b) dans les cas dassurance sur fret, au mon-tant brut du fret au risque de lassur, quilait ou non t pay lavance, major desfrais dassurance;c) dans les cas dassurance sur marchan-dises, au prix de revient de base des mar-chandises, major des frais de transport etdes frais qui y sont connexes ainsi que desfrais dassurance sur le tout;d ) dans les autres cas, au montant au risquede lassur lorsque la police prend effet, major des frais dassurance.

Value of ship (2) For the purposes of paragraph (1)(a), the

value of a ship includes money advanced for officers and crews wages and other disburse-ments incurred to make the ship fit for the ma-rine adventure contemplated by the marine pol-icy.

(2) Pour lapplication de lalina (1)a), la

valeur du navire comprend les avances de sa-laire faites aux officiers et lquipage ainsique tous autres frais engags pour permettre aunavire dentreprendre lopration vise par la police.

Valeur du navire

DISCLOSURE AND REPRESENTATIONS DCLARATIONUtmost goodfaith

20. A contract is based on the utmost goodfaith and, if the utmost good faith is not ob-served by either party, the contract may beavoided by the other party.

20. Le contrat est fond sur la plus absolue bonne foi et si celle-ci nest pas observe par lune des parties, lautre peut annuler le contrat.

Bonne foiabsolue

Disclosure byinsured

21. (1) Subject to this section, an insured

must disclose to the insurer, before the contractis concluded, every material circumstance thatis known to the insured.

21. (1) Sous rserve des autres dispositions

du prsent article, lassur est tenu de dclarer lassureur, avant la conclusion du contrat,toutes les circonstances pertinentes dont il aconnaissance.

Dclarations prcdant laconclusion ducontrat

Disclosure byagent of insured

(2) Subject to this section, an agent who ef-fects insurance for an insured must disclose tothe insurer, before the contract is concluded,

(a) every material circumstance that isknown to the agent; and(b) every material circumstance that the in-sured must disclose, unless the insuredlearned of it too late to communicate it to theagent.

(2) Sous rserve des autres dispositions du prsent article, le mandataire qui reprsentelassur est tenu de dclarer lassureur, avantla conclusion du contrat, toutes les circons-tances pertinentes dont il a connaissance ainsique toutes celles que lassur est tenu de dcla-rer, moins que celui-ci nen ait eu connais-sance trop tard pour pouvoir les communiquer son mandataire.

Dclarations dumandataire

Materialcircumstance

(3) A circumstance is material if it would in-fluence the judgment of a prudent insurer infixing the premium or determining whether totake the risk.

(3) Est pertinente la circonstance susceptibledinfluencer le jugement dun assureur prudentsur ltablissement de la prime ou sur la prisedu risque.

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Question of fact (4) Whether any circumstance that is notdisclosed is material or not is a question of fact.

(4) La pertinence dune circonstance non d-clare est, dans tous les cas, une question defait.

Question de fait

Circumstancesnot disclosed

(5) In the absence of any inquiry, the fol-lowing circumstances need not be disclosed:

(a) any circumstance that diminishes therisk;

(b) any circumstance that is known to the in-surer;(c) any circumstance as to which informa-tion is waived by the insurer; and(d ) any circumstance the disclosure of whichis superfluous by reason of any express war-ranty or implied warranty.

(5) Sauf sil y a demande de renseignement cet effet, lassur nest pas tenu de dclarer les circonstances suivantes :

a) celles qui attnuent le risque;b) celles dont lassureur a connaissance;c) celles sur lesquelles lassureur renonce obtenir des renseignements;d ) celles dont la dclaration est superflue enraison dun engagement mme implicite.

Exception

Presumptions (6) For the purposes of this section,(a) an insured is deemed to know every cir-

cumstance that, in the ordinary course of business, ought to be known by the insured;(b) an agent is deemed to know every cir-cumstance that, in the ordinary course of business, ought to be known by, or to have been communicated to, the agent; and(c) an insurer is presumed to know circum-stances of common notoriety and every cir-cumstance that, in the ordinary course of aninsurers business, ought to be known by aninsurer.

(6) Pour lapplication du prsent article :a) lassur est rput tre au courant de

toutes les circonstances dont il devrait avoir connaissance dans le cours normal des af-faires;b) le mandataire dun assur est rput treau courant de toutes les circonstances dont ildevrait avoir connaissance ou qui devraientlui avoir t communiques dans le coursnormal des affaires;c) lassureur est prsum tre au courant descirconstances de notorit publique et decelles dont il devrait avoir connaissance dansle cours normal des activits dun assureur.

Prsomption

Effect of non-disclosure

(7) If an insured or an agent of an insuredfails to make a disclosure as required by thissection, the insurer may avoid the contract.

(7) Si lassur ou son mandataire omet defaire une dclaration prvue par le prsent ar-ticle, lassureur peut annuler le contrat.

Non-communication

Definition of circumstance

(8) In this section, circumstance includesany communication made to, or information re-ceived by, the insured.

(8) Au prsent article, sont assimiles descirconstances les communications faites las-sur et les renseignements quil obtient.

circonstances

Representations by insured or agent

22. (1) Every material representation made by the insured or the insureds agent to the in-surer during the negotiations for the contractand before the contract is concluded must betrue.

22. (1) Les dclarations pertinentes faites,au cours des ngociations du contrat et avant laconclusion de celui-ci, par lassur ou son man-dataire lassureur doivent tre vraies.

Vracit desdclarations

Materialrepresentation (2) A representation is material if it wouldinfluence the judgment of a prudent insurer infixing the premium or determining whether totake the risk.

(2) Est pertinente la dclaration susceptibledinfluencer le jugement dun assureur prudentsur ltablissement de la prime ou sur la prisedu risque.

Dclaration pertinente

Question of fact (3) Whether any representation is materialor not is a question of fact.

(3) La pertinence dune dclaration est, danstous les cas, une question de fait.

Question de fait


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Types of representations

(4) A representation may be as to a matter of fact or as to a matter of expectation or belief.

(4) Les dclarations peuvent porter sur unfait ou sur une attente ou une opinion.

Types dedclarations

Fact (5) A representation as to a matter of fact isdeemed to be true if the difference betweenwhat is represented and what is actually correctwould not be considered material by a prudentinsurer.

(5) La dclaration sur un fait est rputevraie dans les cas o la diffrence entre ce quiest dclar et la ralit ne serait pas considrecomme pertinente par un assureur prudent.

Fait

Expectation or belief

(6) A representation as to a matter of expec-tation or belief is deemed to be true if it is madein good faith.

(6) La dclaration sur une attente ou uneopinion est rpute vraie si elle est faite de bonne foi.

Attente ouopinion

Withdrawal or correction

(7) A representation may be withdrawn or corrected before a contract is concluded.

(7) La dclaration peut tre retire ou recti-fie avant la conclusion du contrat.

Retrait ourectification

Effect of falserepresentations

(8) If any material representation made bythe insured or the insureds agent to the insurer during the negotiations for the contract is nottrue and is not withdrawn or corrected beforethe contract is concluded, the insurer may avoid

the contract.

(8) Dans les cas o il y a fausse dclaration pertinente de la part de lassur ou de son man-dataire au cours des ngociations et si celle-cinest pas retire ou rectifie avant la conclusiondu contrat, lassureur peut annuler le contrat.

Effet dunefaussedclaration

CONCLUSION AND RATIFICATION OFCONTRACTS

CONCLUSION ET RATIFICATION DECONTRATS

When contract isdeemed to beconcluded

23. A contract is deemed to be concludedwhen the proposal of the insured is accepted bythe insurer, whether the marine policy is thenissued or not, and for the purpose of establish-ing when the proposal is accepted, the slip or covering note or other customary memorandumof the contract may be referred to.

23. Le contrat est rput conclu au momento lassureur accepte la proposition de lassur,que la police maritime ait t ou non mise; ladate dacceptation peut tre tablie par rf-rence la fiche de souscription, la note decouverture ou toute autre note habituelle ducontrat.

Conclusion ducontrat

Ratification 24. A contract effected in good faith by a

person on behalf of another person may be rati-fied by that other person even after the other person becomes aware of a loss.

24. La personne pour laquelle une autre per-

sonne conclut un contrat de bonne foi peut rati-fier celui-ci mme aprs avoir eu connaissancedune perte.

Ratification

THE MARINE POLICY POLICE MARITIMEMarine policyrequired

25. (1) A contract is inadmissible in evi-dence, unless it is evidenced by a marine policyin accordance with this Act.

25. (1) Le contrat est inadmissible en preuve moins quil ne soit constat par une police maritime conforme la prsente loi.

Policeobligatoire

Issue of marine policy

(2) A marine policy may be executed and is-sued when the contract is concluded or after-wards.

(2) La police peut tre signe et dlivre lorsde la conclusion du contrat ou subsquemment.

Dlivrance de la police

Contents of

marine policy

26. A marine policy must specify

(a) the name of the insured or of a personwho effects the insurance on behalf of the in-sured;(b) the subject-matter insured;(c) the perils insured against;

26. La police maritime doit mentionner :a) le nom de lassur ou de la personne quicontracte lassurance pour le compte de las-sur;b) la chose assure;c) le risque couvert;

Mention

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(d ) the voyage or period, or both, covered bythe insurance;(e) the sum insured; and( f ) the name of the insurer.

d ) le voyage ou la priode de temps couvert par lassurance, ou les deux;e) la somme assure;

f ) le nom de lassureur.Signature of

insurer

27. (1) A marine policy must be signed byor on behalf of the insurer.

27. (1) La police maritime doit tre signe par lassureur ou pour son compte.

Signature

obligatoire

Exception (2) Notwithstanding subsection (1), wherethe insurer is a corporation, the corporate seal issufficient.

(2) Dans le cas dune personne morale, lesceau suffit.

Exception

Subscription bytwo or moreinsurers

(3) Where a marine policy is subscribed byor on behalf of two or more insurers, each sub-scription, unless the contrary is expressed, con-stitutes a distinct contract with the insured.

(3) Dans le cas o la police est souscrite par plusieurs assureurs ou pour leur compte,chaque souscription constitue, sauf dispositioncontraire, un contrat distinct avec lassur.

Contratsdistincts

Specification of subject-matter

28. (1) A marine policy must specify thesubject-matter insured with reasonable certain-ty, but need not specify the nature and extent of the interest of the insured in that subject-matter.

28. (1) La chose assure doit tre dsignedans la police avec suffisamment de prcision;il nest cependant pas ncessaire dy spcifier la nature et ltendue de lintrt de lassurdans cette chose.

Dsignation dela chose assure

Specification ingeneral terms

(2) A marine policy that specifies the subject-matter insured in general terms shall beconstrued to apply to the interest intended bythe insured to be covered.

(2) La police qui contient une dsignationgnrale de la chose assure doit tre interpr-te comme sappliquant lintrt que lassuravait lintention dassurer.

Dsignationgnrale

Usage (3) Any usage regulating the specification of the subject-matter insured shall be taken intoconsideration in applying this section.

(3) Il est tenu compte, pour lapplication du prsent article, des usages rgissant la dsigna-tion de la chose assure.

Usages

Voyage and time policies

29. (1) A marine policy may be a voyage policy or a time policy.

29. (1) La police maritime peut tre soit une police au voyage soit une police temps.

Police au voyageou temps

Voyage policy (2) A marine policy is a voyage policy if thecontract insures the subject-matter at andfrom, or from, one place to another place or other places.

(2) La police au voyage est celle o la choseest assure en et depuis ou depuis unlieu jusqu un ou plusieurs autres lieux.

Police au voyage

Time policy (3) A marine policy is a time policy if thecontract insures the subject-matter for a definite period.

(3) La police temps est celle o la choseest assure pour une priode dtermine.

Police temps

Combined policies

(4) A marine policy may include a contractinsuring the subject-matter as described in sub-sections (2) and (3).

(4) La police maritime peut tre la fois auvoyage et temps.

Police au voyageet temps

Valued andunvalued policies

30. (1) A marine policy may be a valued policy or an unvalued policy.

30. (1) La police maritime peut tre valeur agre ou dcouvert.

Police valeur agre ou dcouvert

Valued policy (2) A marine policy is a valued policy if itspecifies the agreed value of the subject-matter insured.

(2) La police valeur agre spcifie la va-leur convenue de la chose assure.

Police valeur agre

Unvalued policy (3) A marine policy is an unvalued policy if it does not specify the value of the subject-mat-ter insured and, subject to the limit of the sum

(3) La police dcouvert ne spcifie pas lavaleur de la chose assure et, dans les limitesde la somme assure, permet le calcul ultrieur de la valeur en conformit avec larticle 19.

Police dcouvert


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insured, leaves the value to be determined inaccordance with section 19.

Value specified (4) Subject to this Act and in the absence of fraud, the value specified by a valued policy is,as between the insurer and the insured, conclu-sive of the insurable value of the subject-matter intended to be insured, regardless of whether any loss is a total loss or a partial loss.

(4) En labsence de fraude et sous rservedes autres dispositions de la prsente loi, la va-leur spcifie dans la police valeur agre faitfoi, entre lassureur et lassur, de la valeur as-surable de la chose assurer, que la perte soittotale ou partielle.

Valeur spcifie

Idem (5) Unless a valued policy otherwise pro-vides, the value specified by the policy is notconclusive for the purpose of determiningwhether there has been a constructive total loss.

(5) Sauf disposition contraire de la police valeur agre, lorsquil sagit de dterminer sily a perte rpute totale, la valeur spcifie dansla police nest pas dfinitive.

Idem

Floating policy 31. (1) A marine policy may be a floating policy, that is to say, a policy that describes theinsurance in general terms and leaves the nameof the ship and other particulars to be defined by subsequent declarations, either by endorse-ment on the policy or in any other customarymanner.

31. (1) La police flottante est une policemaritime qui dcrit lassurance en termes gn-raux et permet de prciser le nom du navire etde donner dautres dtails par dclaration ult-rieure, laquelle peut tre faite par endossementde la police ou de toute autre manire consa-cre par lusage.

Police flottante

Declarations (2) Unless a floating policy otherwise pro-vides, declarations must be made in the order of dispatch or shipment and must, in the case of goods, include all consignments within theterms of the policy and honestly state the valueof the goods.

(2) Sauf disposition contraire de la police,les dclarations sont faites dans lordre des en-vois ou expditions; elles doivent faire tat,dans le cas de marchandises, de toutes les exp-ditions vises par la police et dclarer honnte-ment la valeur de ces marchandises.

Ordre desdclarations

Rectification (3) An omission in a declaration or an erro-neous declaration may be rectified even after loss or arrival if the omission or declarationwas made in good faith.

(3) Dans une dclaration, les erreurs ou lesomissions faites de bonne foi peuvent tre recti-fies mme aprs la perte ou larrive.

Rectifications

Idem (4) Unless a floating policy otherwise pro-vides, where a declaration of value is not madeuntil after notice of loss or arrival, the policyshall be treated as an unvalued policy with re-spect to the subject-matter of that declaration.

(4) Sauf disposition contraire de la police,lorsquune dclaration de valeur est faite aprsavis de la perte ou de larrive, la police estconsidre comme dcouvert en ce qui touchelobjet de cette dclaration.

Dclaration postrieure lavis de la perte

WARRANTIES ENGAGEMENTSDefinition of warranty

32. (1) In this section and sections 33 to 39,warranty means a promissory warranty bywhich the insured

(a) undertakes that some particular thingwill or will not be done or that some condi-

tion will be fulfilled; or (b) affirms or negates the existence of par-ticular facts.

32. (1) Lengagement vis au prsent articleet aux articles 33 39 est un engagement par lequel lassur :

a) soit promet quune chose sera faite ou nesera pas faite, ou quune condition sera rali-

se;b) soit affirme ou nie lexistence de certainsfaits.

Dfinition

Types of warranty

(2) A warranty may be an express warrantyor an implied warranty.

(2) Lengagement peut tre exprs ou impli-cite.

Forme


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Expresswarranties

33. (1) An express warranty may be in anyform of words from which the intention to war-rant may be inferred.

33. (1) Lengagement exprs peut tre rdi-g en des termes permettant de dduire linten-tion dtablir un engagement.

Engagementexprs

Inclusion in policy

(2) An express warranty must be includedin, or written on, the marine policy or be con-tained in a document incorporated by referenceinto the policy.

(2) Lengagement exprs doit tre inclusdans la police maritime ou tre inscrit sur celle-ci ou dans un autre document incorpor la po-lice par renvoi.

Inscription dansla police

Exclusion of impliedwarranty

(3) An express warranty does not exclude animplied warranty, unless they are inconsistent.

(3) Lengagement exprs nexclut pas len-gagement implicite moins quil ny ait incompatibilit entre les deux.

Incompatibilit

Warranty of legality

34. There is an implied warranty in everymarine policy that the marine adventure insuredis lawful and, in so far as the insured has con-trol, will be carried out in a lawful manner.

34. Dans toute police maritime, il y a enga-gement implicite quant la licit de lopra-tion maritime assure et, dans la mesure olassur en a la matrise, au fait que loprationsera excute conformment la loi.

Engagement :licit delopration

No impliedwarranty of nationality

35. There is no implied warranty in any ma-rine policy as to the nationality of a ship or that

the nationality of a ship will not be changedduring the risk.

35. Il ny a aucun engagement implicitedans la police maritime quant la nationalit

du navire ou au maintien de celle-ci pendant ladure du risque.

Nationalit

Warranty of neutrality

36. (1) Where in any marine policy insur-able property is expressly warranted to be neu-tral, there is an implied condition in the policy

(a) that the property will have a neutralcharacter at the commencement of the risk and that, in so far as the insured has control,that character will be preserved during therisk; and(b) where the property is a ship, that, in sofar as the insured has control, the papers nec-essary to establish the neutrality of the shipwill be carried on the ship and will not befalsified or suppressed and no simulated papers will be used.

36. (1) Dans la police maritime, lengage-ment exprs de neutralit de biens assurablescomporte la condition implicite :

a) que les biens ont un caractre neutre aucommencement du risque et que dans la me-sure o lassur a la matrise de la situation,ce caractre sera maintenu pendant toute ladure du risque;b) dans le cas dun navire, que celui-ci, dansla mesure o lassur a la matrise de la si-tuation, aura son bord les documents nces-saires pour attester sa neutralit et quil nyaura aucune falsification, dissimulation oucontrefaon cet gard.

Neutralit

Breach of condition

(2) If any loss occurs through a breach of the implied condition referred to in paragraph(1)(b), the insurer may avoid the contract.

(2) En cas de perte due un manquement la condition implicite vise lalina (1)b),lassureur peut annuler le contrat.

Manquement

Warranty of seaworthiness of ship in voyage policy

37. (1) There is an implied warranty in ev-ery voyage policy that, at the commencementof the voyage, the ship will be seaworthy for the purpose of the particular marine adventureinsured.

37. (1) Dans la police au voyage, il y a en-gagement implicite quant au fait que le naviresera, au commencement du voyage, en bon tatde navigabilit aux fins de lopration maritimeassure.

Engagement denavigabilit

Warranty of fitness against perils of the port

(2) Where a voyage policy attaches whilethe ship is in port, there is an implied warrantyin the policy that the ship will, at the com-mencement of the risk, be reasonably fit to en-counter the ordinary perils of the port.

(2) Dans les cas o la police prend effetalors que le navire est au port, il y a engage-ment implicite quant au fait que le navire sera,au commencement du risque, raisonnablement par contre les prils ordinaires du port.

Engagement : prils du port

Warranty of fitness for eachstage of voyage

(3) Where a voyage policy relates to a voy-age performed in different stages during which

(3) Dans les cas o la police vise un voyage par tapes ncessitant chacune des prparatifs

Engagement :voyage par tapes


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the ship requires different or further preparationor equipment, there is an implied warranty inthe policy that, at the commencement of eachstage, the ship is seaworthy for the purposes of that stage.

ou des quipements diffrents ou supplmen-taires, il y a engagement implicite quant au faitque le navire sera, au commencement dechaque tape, en bon tat de navigabilit auxfins propres cette tape.

No implied

warranty of seaworthiness intime policy

(4) There is no implied warranty in any time policy that the ship will be seaworthy at anystage of the marine adventure, but where, withthe privity of the insured, the ship is sent to seain an unseaworthy state, the insurer is not liablefor any loss attributable to unseaworthiness.

(4) Il ny a aucun engagement implicite dansla police temps quant au fait que le navire esten bon tat de navigabilit toute tape de lopration maritime; cependant, si, avec lassenti-ment de lassur, le navire prend la mer en tatdinnavigabilit, lassureur nest pas respon-sable des pertes qui en rsultent.

Police temps

When shipdeemedseaworthy

(5) A ship is deemed to be seaworthy if it isreasonably fit in all respects to encounter theordinary perils of the seas of the marine adven-ture insured.

(5) Le navire est rput en bon tat de navi-gabilit lorsquil est, tous gards, raisonnable-ment par contre les fortunes de mer ordinairesde lopration maritime assure.

Bon tat denavigabilit

No impliedwarranty thatgoods areseaworthy

38. (1) There is no implied warranty in anymarine policy on insurable property, other thana ship, that the insurable property is seaworthy.

38. (1) Dans les cas o la police maritimevise des biens assurables autres quun navire, ilny a aucun engagement implicite quant au faitque ces biens sont en tat dtre transports par mer.

tat desmarchandises

Voyage policyon goods

(2) There is an implied warranty in everyvoyage policy on insurable property, other thana ship, that, at the commencement of the voy-age, the ship is seaworthy and reasonably fit tocarry the insurable property to the destinationcontemplated by the policy.

(2) Dans le cas o la police au voyage visedes biens assurables autres quun navire, il y aengagement implicite quant au fait que le na-vire sera, au commencement du voyage, en bontat de navigabilit et raisonnablement par pour transporter ces biens la destination vise par la police.

Police au voyagesur marchandises

Compliancewith warranty

39. (1) Subject to this section, a warrantymust be exactly complied with, whether or notit is material to the risk.

39. (1) Sous rserve des autres dispositionsdu prsent article, lengagement doit tre obser-v la lettre, quil soit pertinent ou non lgard du risque.

Respect delengagement

Effect of breachof warranty

(2) Subject to any express provision in themarine policy or any waiver by the insurer,where a warranty is not exactly complied with,the breach of the warranty discharges the insur-er from liability for any loss occurring on or af-ter the date of the breach, but does not affectany liability incurred by the insurer before thatdate.

(2) Sauf stipulation contraire de la policemaritime ou renonciation de lassureur, toutmanquement lengagement dgage lassureur de sa responsabilit lgard de toutes pertesqui surviennent la date du manquement ousubsquemment, sans pour autant porter at-teinte sa responsabilit avant cette date.

Effet dumanquement

Breach of warranty of

good safety

(3) A warranty that the subject-matter in-sured is well or in good safety on a particu-lar day is not breached if the subject-matter issafe at any time during that day.

(3) Lengagement quant au fait que la choseassure est en bon tat ou en scurit pour un jour donn est observ si la chose est dans cettat nimporte quel moment de la journe.

Engagement de bon tat

When breach of warrantyexcused

(4) A breach of a warranty is excused if, be-cause of a change of circumstances, the warran-ty ceases to be applicable to the circumstancescontemplated by the contract or if compliance

(4) Le manquement lengagement est cependant excus si, en raison dun changementde circonstances, lengagement cesse dtre applicable aux circonstances envisages par le

Exception


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with the warranty is rendered unlawful by anysubsequent law.

contrat ou si une rgle de droit ultrieure enrend lobservation illicite.

Limit on defenceto breach of warranty

(5) It is no defence to a breach of a warrantythat the breach was remedied and the warrantycomplied with before any loss was incurred.

(5) En cas de manquement lengagement,lassur ne peut invoquer en dfense le faitquil y a t remdi et que lengagement a tobserv avant toute perte.

Moyen dedfenseirrecevable

THE VOYAGE OPRATION MARITIMEImpliedcondition as tocommencement

40. (1) Where the subject-matter is insured by a voyage policy, the ship need not, when thecontract is concluded, be at the place at andfrom, or from, which the subject-matter is in-sured, but there is an implied condition in the policy that the marine adventure will com-mence within a reasonable time and, if it is notso commenced, the insurer may avoid the con-tract.

40. (1) Dans le cas o la chose est assureen vertu dune police au voyage, il nest pas n-cessaire que le navire se trouve, lors de laconclusion du contrat, au lieu en et depuis lequel ou depuis lequel la chose est assure;la police comporte cependant la condition implicite selon laquelle lopration maritime doitcommencer dans un dlai raisonnable, lassu-reur pouvant sinon annuler le contrat.

Conditionimplicite :commencementde lopration

Exception (2) The implied condition may be negated by establishing that the delay was caused bycircumstances known to the insurer before thecontract was concluded or that the insurer waived the condition.

(2) La condition implicite est cependant sup- prime sil est tabli soit que lassureur a re-nonc sen prvaloir, soit que le retard est d des circonstances dont celui-ci avait connais-sance avant la conclusion du contrat.

Leve de la

condition

Change of portof departure

41. (1) Where the place of departure isspecified by a marine policy and the ship sailsfrom a different place, the risk does not attach.

41. (1) Il ny a pas de mise en risques dansles cas o le navire prend la mer dun lieu autreque le lieu de dpart spcifi dans la police ma-ritime.

Changement de point de dpart

Change of destination

(2) Where the destination is specified by amarine policy and the ship sails for a differentdestination, the risk does not attach.

(2) Il ny a pas de mise en risques dans lescas o le navire prend la mer pour une destina-tion autre que la destination spcifie dans la police.

Changement dedestination

Change of voyage

42. (1) Unless a marine policy otherwise provides, a change of voyage discharges the in-surer from liability for any loss occurring on or after the time when the intention to change ismanifested, whether or not the ship has in factleft the course of voyage contemplated by the policy when the loss occurs.

42. (1) Sauf disposition contraire de la po-lice maritime, le changement de voyage dgagelassureur de sa responsabilit lgard detoutes pertes survenues compter de la mani-festation de lintention de changer, que le na-vire scarte ou non, de fait, de litinraire vis par la police au moment de la perte.

Changement devoyage

Idem (2) There is a change of voyage where, after the commencement of the risk, the destinationof the ship is voluntarily changed from thatcontemplated by the marine policy.

(2) Il y a changement de voyage lorsque ladestination du navire vise par la police est mo-difie volontairement aprs le commencementdu risque.

Idem

Deviation fromvoyage 43. (1)

A deviation without lawful excusefrom the voyage contemplated by a marine pol-

icy discharges the insurer from liability for anyloss occurring on or after the time when the de-viation occurs, regardless of the intention to de-viate and whether or not the ship returns to itscourse of voyage before the loss occurs.

43. (1)

Le droutement, par rapport auvoyage vis par la police maritime, effectu

sans motif lgitime dgage lassureur de sa responsabilit lgard de toutes pertes survenues compter du droutement, quil soit ou non in-tentionnel et que le navire ait ou non, avant la perte, repris son itinraire.

Droutement


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Idem (2) There is a deviation from the voyagecontemplated by a marine policy where

(a) the course of the voyage is specified bythe policy and is departed from; or (b) the course of the voyage is not specified

by the policy but the usual and customarycourse is departed from.

(2) Il y a droutement par rapport au voyagevis par la police dans les cas suivants :

a) le navire scarte de litinraire spcifidans la police;b) le navire scarte de litinraire qui, sans

tre spcifi dans la police, est habituel.

Idem

Idem (3) Where a marine policy specifies the ports of discharge, the ship may proceed to anyor all of them, but if, in the absence of any us-age or sufficient cause, the ship does not pro-ceed to them, or such of them as it goes to, inthe order specified, there is a deviation from thevoyage contemplated by the policy.

(3) Dans les cas o les ports de dcharge-ment sont spcifis dans la police, il nest pasobligatoire que le navire se rende tous ces ports. Toutefois, si le navire, sans motif suffi-sant ou preuve dusage contraire, ne se rend pasaux ports quil touchera dans lordre spcifidans la police, il y a droutement par rapport auvoyage qui y est vis.

Idem

Idem (4) Where a marine policy specifies that the ports of discharge are within a given area and

does not otherwise name them, the ship may proceed to any or all of them, but if, in the ab-sence of any usage or sufficient cause, the shipdoes not proceed to them, or such of them as itgoes to, in their geographical order, there is adeviation from the voyage contemplated by the policy.

(4) Dans les cas o la police spcifie que les ports de dchargement se situent dans une r-

gion donne sans cependant les nommer, ilnest pas obligatoire que le navire se rende tous ces ports. Toutefois, si le navire, sans mo-tif suffisant ou preuve dusage contraire, ne serend pas aux ports quil touchera dans leur ordre gographique, il y a droutement par rapport au voyage vis par la police.

Idem

Delay in voyage 44. The marine adventure insured by a voy-age policy must be carried out with reasonabledispatch and a delay, without lawful excuse, incarrying it out discharges the insurer from liability for any loss occurring on or after the timewhen the delay becomes unreasonable.

44. Lopration maritime vise par la policeau voyage doit tre excute promptement, ettout retard pris sans excuse lgitime dgagelassureur de sa responsabilit lgard detoutes pertes qui surviennent compter du mo-ment o le retard devient draisonnable.

Retard

Excuses for deviation or delay

45. (1) A deviation or delay referred to insection 43 or 44 is excused if it is

(a) authorized by any special term in themarine policy;(b) caused by circumstances beyond thecontrol of the master and the masters em- ployer;(c) reasonably necessary in order to complywith an express warranty or an implied war-ranty;

(d ) reasonably necessary for the safety of the ship or subject-matter insured;

(e) for the purpose of saving human life or aiding a ship in distress where human lifemay be in danger;( f ) reasonably necessary for the purpose of obtaining medical aid for any person on board the ship; or

45. (1) Le droutement vis larticle 43 oule retard vis larticle 44 est excus dans lescas suivants :

a) une disposition spciale de la police mari-time lautorise;b) il est d des circonstances indpen-dantes de la volont du capitaine ou de sonemployeur;c) il est raisonnablement ncessaire lob-servation dun engagement exprs ou impli-cite;d ) il est raisonnablement ncessaire la s-curit du navire ou de la chose assure;e) il a pour objet de sauver des vies hu-maines ou daider un navire en dtresse odes vies humaines peuvent tre en danger;

Retard oudroutementexcus


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( g ) caused by the barratrous conduct of themaster or crew, if barratry is one of the perilsinsured against.

f ) il est raisonnablement ncessaire pour procurer une aide mdicale quiconque setrouve bord;

g ) il est attribuable la baraterie du capi-taine ou de lquipage, dans le cas o celle-ciest un pril assur.

Resumption (2) When the excuse for a deviation or delayceases, the voyage must be resumed with rea-sonable dispatch.

(2) Le navire doit poursuivre son voyage promptement aussitt que prend fin le motif quia excus le retard ou le droutement.

Fin de la justification

Transhipment 46. Where the voyage contemplated by amarine policy is interrupted, by a peril insuredagainst, at an intermediate port or place in suchcircumstances as, apart from the contract of af-freightment, justify the master in landing andreshipping, or transhipping, the goods or mov-ables and sending them to their destination, theinsurer continues to be liable for a loss occur-ring on or after the landing or transhipment.

46. Lassureur continue dtre responsabledes pertes survenues, soit au moment du dbar-quement ou du transbordement, soit aprs, si, par suite dun pril assur, le voyage vis par la police maritime est interrompu dans un port ouautre lieu intermdiaire, dans des circonstancesqui, sans gard au contrat daffrtement, auto-risent le capitaine dbarquer et rembarquer,ou transborder, les marchandises ou les biensmobiliers et les envoyer destination.

Transbordement

THE PREMIUM LA PRIMEPremium to bearranged

47. (1) A reasonable premium is payable if insurance is effected at a premium to be ar-ranged and no arrangement is made.

47. (1) Dans le cas o lassurance est sous-crite avec prime fixer par entente et que celle-ci nintervient pas, une prime raisonnable doittre paye.

Prime

Additional premium

(2) A reasonable additional premium is payable if insurance is effected on the termsthat an additional premium is to be arranged onthe happening of a given event and that eventhappens but no arrangement is made.

(2) Dans le cas o lassurance est souscriteavec surprime fixer par entente la surve-nance dun vnement et que celui-ci se produitsans quune entente intervienne, une prime rai-sonnable doit tre paye.

Surprime

Payment of premium

48. Unless otherwise agreed, the duty of theinsured or the insureds agent to pay the premi-um and the duty of the insurer to issue the ma-rine policy to the insured or the insureds agentare concurrent conditions, and the insurer is notrequired to issue the policy until the premium is paid or tendered.

48. Sauf convention contraire, lobligationde paiement de la prime par lassur ou sonmandataire et lobligation de dlivrance dune police maritime lassur ou son mandataire par lassureur sont des conditions concomi-tantes; lassureur nest pas tenu de dlivrer la police tant que la prime nest pas paye ou quedes offres relles de paiement ne lui sont pasfaites.

Paiement de la prime

Policy effectedthrough broker

49. (1) Unless otherwise agreed, where a broker effects a marine policy on behalf of theinsured,

(a) the broker is directly responsible to theinsurer for the premium;(b) the broker has, as against the insured, alien on the policy for the amount of the pre-mium and the brokers charges in effectingthe policy; and

49. (1) Sauf convention contraire, dans lecas o cest un courtier qui obtient la policemaritime pour le compte de lassur :

a) le courtier est directement responsable du paiement de la prime lassureur;b) le courtier jouit contre lassur dun privi-lge qui grve la police pour le montant de la prime et des frais quil a engags pour lob-tenir;

Assurancecontracte par un courtier


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(c) the insurer is directly responsible to theinsured for any amount that may be payablein respect of losses or a returnable premium.

c) lassureur est directement responsable en-vers lassur de toutes sommes payables lgard de la perte ou de la ristourne de la prime.

Idem (2) Unless otherwise agreed, where a broker effects a marine policy on behalf of a personwho employs the broker as a principal, the bro-ker has a lien on the policy in respect of any balance on any insurance account that may bedue to the broker from that person, unless,when the debt was incurred, the broker had rea-son to believe that the person was only anagent.

(2) Sauf convention contraire, le courtier quiobtient une police pour le compte de la per-sonne qui lemploie en qualit de commettant jouit dun privilge qui grve la police pour lesolde de tout compte dassurance que celle-cilui doit, moins que le courtier nait lieu decroire, au moment o la dette est contracte,quelle ntait quun mandataire.

Idem

Acknowledge-ment of receiptof premium

50. Where a broker effects a marine policyon behalf of an insured, an acknowledgementin the policy of the receipt of the premium is, inthe absence of fraud, conclusive as between theinsurer and the insured, but not as between the

insurer and the broker.

50. Dans le cas o le courtier obtient la po-lice maritime pour le compte de lassur, lac-cus de paiement de la prime dans la police,sauf en cas de fraude, lie lassureur et lassur,mais non lassureur et le courtier.

Accus de paiement de la prime

ASSIGNMENT OF MARINE POLICY CESSION DE LA POLICE MARITIMEMarine policyassignable

51. (1) A marine policy is assignable either before or after a loss, unless it expressly pro-hibits assignment.

51. (1) Sauf stipulation contraire de la po-lice maritime, celle-ci peut tre cde avantcomme aprs la perte.

Police cessible

Manner of assignment

(2) A marine policy may be assigned by en-dorsement on the policy or in any other cus-tomary manner.

(2) La cession de la police sopre par en-dossement de la police ou de toute autre ma-nire consacre par lusage.

Mode de cession

Effect of assignment

(3) Where a marine policy is assigned so asto transfer the beneficial interest in the policy,the assignee of the policy is entitled to sue on itin the assignees name and, in any such action,the defendant is entitled to raise any defencearising out of the contract that the defendantwould have been entitled to raise if the actionhad been brought in the name of the person byor on behalf of whom the policy was effected.

(3) En cas de cession transfrant lintrt b-nficiaire dans la police, le cessionnaire peut poursuivre en son propre nom et, dans une telleaction, le dfendeur peut lui opposer toutmoyen de dfense dcoulant du contrat quilaurait pu opposer si laction avait t intenteau nom de la personne par qui ou pour lecompte de qui la police a t obtenue.

Effet de lacession

Loss of interest 52. (1) Where an insured transfers or losesan interest in the subject-matter insured anddoes not, before or at the time of so doing, expressly or impliedly agree to assign the marine policy, no subsequent assignment of the marine policy is operative.

52. (1) Toute cession ultrieure de la policemaritime est inoprante dans le cas o un assu-r perd ou cde son intrt dans la chose assu-re sans convenir expressment ou implicite-ment, avant ou ce moment, de cder la police.

Perte dintrt

Exception (2) Subsection (1) does not apply in respectof an assignment of a marine policy after a loss.

(2) Le paragraphe (1) ne sapplique pas dansle cas o la cession de la police intervient aprsla perte.

Exception

LOSS AND ABANDONMENT PERTE ET DLAISSEMENTLosses covered 53. (1) Subject to this Act and unless a ma-

rine policy otherwise provides, an insurer is li-able only for a loss that is proximately caused

53. (1) Sous rserve des autres dispositionsde la prsente loi et sauf disposition contrairede la police maritime, lassureur nest respon-

Prils assurs


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by a peril insured against, including a loss thatwould not have occurred but for the misconductor negligence of the master or crew.

sable que des pertes rsultant directement des prils assurs, y compris la perte qui ne se se-rait pas produite sans linconduite ou la ngli-gence du capitaine ou de lquipage.

Lossesspecificallyexcluded

(2) Without limiting the generality of sub-section (1), an insurer is not liable for any lossattributable to the wilful misconduct of the in-sured nor, unless the marine policy otherwise provides, for

(a) in the case of insurance on a ship or goods, any loss proximately caused by delay,including a delay caused by a peril insuredagainst;(b) ordinary wear and tear, ordinary leakageor breakage or inherent vice or nature of thesubject-matter insured;(c) any loss proximately caused by vermin;

or (d ) any loss or damage to machinery not proximately caused by maritime perils.

(2) Sans restreindre la gnralit du para-graphe (1), lassureur nest pas responsable des pertes attribuables linconduite dlibre delassur ni, sauf disposition contraire de la police :

a) dans le cas de lassurance sur corps ousur marchandises, des pertes rsultant direc-tement du retard, y compris le retard caus par le pril assur;b) de lusure normale, de la casse ou du cou-lage ordinaire, ou des pertes attribuables lanature mme de la chose assure ou un vicequi lui est propre;

c) des pertes rsultant directement du fait dela vermine;

d ) des pertes ou des dommages causs lamachinerie qui ne rsultent pas directementdes prils de mer.

Prilsexpressmentexclus

Total and partiallosses

54. A loss may be a total loss or a partialloss.

54. La perte peut tre totale ou partielle. Pertes totales ou partielles

Types of totalloss

55. (1) A total loss may be an actual totalloss or a constructive total loss.

55. (1) La perte totale peut tre soit une perte totale relle, soit une perte rpute totale.

Catgories de pertes totales

Losses covered (2) Unless a marine policy otherwise pro-vides, insurance against total loss includes both

actual total loss and constructive total loss.

(2) Sauf disposition contraire de la policemaritime, lassurance contre les pertes totales

couvre les pertes totales relles et les pertes r- putes totales.

Couverturedassurance

Actual total loss 56. (1) A loss is an actual total loss if thesubject-matter insured is destroyed or is sodamaged as to cease to be a thing of the kindinsured or if the insured is irretrievably deprived of the subject-matter.

56. (1) Il y a perte totale relle si la choseassure est dtruite ou endommage au point decesser dtre une chose de lespce assure, ousi lassur en est irrmdiablement priv.

Perte totalerelle

Idem (2) Where a ship engaged in a marine ad-venture is missing and no news of the ship isreceived within a reasonable period, an actualtotal loss may be presumed.

(2) dfaut de nouvelles dans un dlai rai-sonnable du navire port disparu lors duneopration maritime, la perte totale relle peuttre prsume.

Idem

Constructive

total loss

57. (1) Unless a marine policy otherwise provides, a loss is a constructive total loss if thesubject-matter insured is reasonably abandoned because the actual total loss of the subject-mat-ter appears unavoidable or the preservation of the subject-matter from actual total loss wouldentail costs exceeding its value when the costsare incurred.

57. (1) Sauf disposition contraire de la po-lice maritime, il y a perte rpute totale sil y adlaissement raisonnable de la chose assure parce que sa perte totale relle parat invitableou que, pour la prserver dune telle perte, ilfaudrait engager des frais suprieurs sa valeur au moment o ils seraient engags.

Perte rpute

totale


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Idem (2) Without limiting the generality of sub-section (1), a loss is a constructive total loss if

(a) in the case of a ship or goods, the in-sured is deprived of possession of the ship or goods by reason of a peril insured againstand either the insured is unlikely to recover the ship or goods or the cost of recoverywould exceed the value of the ship or goodswhen recovered;(b) in the case of a ship, the ship is so dam-aged by a peril insured against that the costof repairing it would exceed the value of theship when repaired; or (c) in the case of goods, the goods are sodamaged that the cost of repairing and for-warding them to their destination would ex-ceed the value of the goods on arrival.

(2) Sans restreindre la gnralit du para-graphe (1), il y a perte rpute totale si :

a) dans le cas dun navire ou de marchan-dises, lassur nayant plus possession du na-vire ou des marchandises en raison dun prilassur, il est improbable quil puisse les re-couvrer, ou si les frais engager pour les re-couvrer devaient tre suprieurs la valeur du navire ou des marchandises au momento ils seraient recouvrs;b) dans le cas dun navire, le navire est en-dommag par un pril assur un point telque le cot des rparations excderait la va-leur du navire aprs rparation;c) dans le cas de marchandises, les marchan-dises sont endommages un point tel que lecot des rparations et les frais engager pour les expdier destination excderaientleur valeur larrive.

Idem

Cost of repair of ship

(3) For the purposes of paragraph (2)(b), inestimating the cost of repairing a ship, no de-duction may be made in respect of general av-erage contributions to the repairs payable byother interested persons, but account is to betaken of the cost of future salvage operationsand of any future general average contributionsto which the ship would be liable if repaired.

(3) Pour lapplication de lalina (2)b), auxfins dvaluer le cot de rparation du navire, ilny a aucune dduction pour des contributionsdavarie commune aux rparations payables par les autres personnes intresses, mais il est tenucompte des contributions davarie commune fu-tures et du cot des oprations de sauvetage fu-tures auxquels le navire serait tenu sil tait r- par.

Cot desrparations

Treatment 58. (1) An insured may treat a constructivetotal loss as a partial loss or may abandon thesubject-matter insured to the insurer and treatthe constructive total loss as an actual total loss.

58. (1) Lassur peut considrer une perterpute totale comme une perte partielle, ou il peut dlaisser la chose assure en faveur delassureur et considrer la perte rpute totalecomme une perte totale relle.

Qualification dela perte

Notice of abandonment

(2) Subject to this section and section 59, aninsured who elects to abandon the subject-mat-ter insured to the insurer must give a notice of abandonment to the insurer with reasonablediligence after the insured receives reliable in-formation of the loss.

(2) Sous rserve des autres dispositions du prsent article et de larticle 59, lassur quiopte pour le dlaissement de la chose assureen faveur de lassureur doit donner avec une di-ligence raisonnable un avis de dlaissement celui-ci ds quil dispose dinformations s-rieuses sur le sinistre.

Avis dedlaissement

Time for inquiry (3) An insured who receives doubtful infor-mation of a loss is entitled to a reasonable timeto make inquiries before giving a notice of abandonment.

(3) Lassur qui reoit des informations dou-teuses sur le sinistre dispose dun dlai raison-nable pour faire enqute avant de donner lavisde dlaissement.

Dlai denqute

Manner of giving notice

(4) An insured may give a notice of aban-donment orally or in writing, or partly orallyand partly in writing, and in any terms that in-dicate the insureds intention to abandon un-

(4) Lassur peut donner lavis de dlaisse-ment oralement ou par crit, ou en partie orale-ment et en partie par crit, dans les termes tra-duisant son intention dabandonner sans

Forme de lavisde dlaissement


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conditionally the insured interest in the subject-matter to the insurer.

condition, en faveur de lassureur, son intrtassur dans la chose.

Failure to givenotice

(5) If an insured fails to give a notice of abandonment as required by this section, theconstructive total loss may be treated only as a partial loss.

(5) En cas de dfaut, par lassur, de donner lavis de dlaissement exig par le prsent ar-ticle, la perte rpute totale ne peut tre consi-dre que comme une perte partielle.

Dfaut davis

Notice notrequired

59. (1) An insured is not required to give anotice of abandonment to the insurer if

(a) the loss is an actual total loss;(b) notice is waived by the insurer; or (c) at the time the insured receives informa-tion of the loss, there is no possibility of ben-efit to the insurer if notice were given to theinsurer.

59. (1) Lassur na pas donner un avis dedlaissement lassureur dans les cas suivants :

a) la perte est une perte totale relle;b) lassureur renonce lavis;c) au moment o lassur est inform de la perte, il ny a aucune possibilit pour lassu-reur de tirer un avantage de lavis qui lui se-rait donn.

Dispense davis

Idem (2) An insurer who has reinsured a risk isnot required to give a notice of abandonment tothe reinsurer.

(2) Lassureur qui a rassur le risque na pas donner un avis de dlaissement au rassu-reur.

Idem

Refusal of abandonment

60. (1) If an insured gives a notice of aban-donment as required by section 58, the rights of the insured are not prejudiced by a refusal of the insurer to accept the abandonment.

60. (1) Le refus de lassureur daccepter ledlaissement ne porte pas atteinte aux droits delassur qui a donn lavis de dlaissement pr-vu par larticle 58.

Refus dudlaissement

Acceptance of abandonment

(2) An acceptance of an abandonment may be either express or implied from the conductof the insurer, but the mere silence of an insurer after a notice of abandonment is given does notconstitute an acceptance.

(2) Lacceptation du dlaissement peut treexpresse ou tacite, tant dans ce dernier cas d-duite du comportement de lassureur, mais leseul silence de lassureur qui lavis de dlais-sement a t donn ne constitue pas une accep-tation.

Acceptation dudlaissement

Effect of

acceptance oninsured

(3) On acceptance of an abandonment, theabandonment is irrevocable.

(3) Lacceptation rend le dlaissement irr-vocable.

Effet de

lacceptation pour lassur

Effect of acceptance oninsurer

(4) On acceptance of an abandonment, theinsurer

(a) conclusively admits liability for the lossand the sufficiency of the notice of abandon-ment; and(b) is entitled to acquire the interest of theinsured in whatever remains of the subject-matter insured, including all proprietaryrights incidental thereto.

(4) Lassureur qui accepte le dlaissement :a) reconnat formellement sa responsabilitquant la perte, ainsi que le caractre suffi-sant de lavis de dlaissement;b) a le droit dacqurir lintrt de lassurdans ce qui reste de la chose assure, y compris tous les droits de proprit qui y sont at-tachs.

Effet delacceptation pour lassureur

Abandonment of ship

(5) On acceptance of the abandonment of aship, the insurer is entitled to

(a) any freight being earned at the time of,or earned subsequent to, the casualty causingthe loss, less the costs incurred in earning itafter the casualty; and

(5) Lassureur qui accepte le dlaissementdu navire a droit :

a) au fret acquis lors du sinistre loriginede la perte, ou acquis par la suite, moins lesfrais engags pour lacqurir aprs le si-nistre;

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(b) if the ship is carrying the shipownersgoods, reasonable remuneration for the car-riage of the goods subsequent to the casualty.

b) si le navire transporte les marchandisesde larmateur, une rmunration raison-nable pour leur transport aprs le sinistre.

Partial loss 61. (1) A partial loss is any loss that is not atotal loss.

61. (1) Toute perte qui nest pas totale est partielle.

Perte partielle

Idem(2)

Where insured goods reach their destina-tion in specie but cannot be identified by reason

of obliteration of marks or otherwise, the loss,if any, is a partial loss.

(2) Lorsque les marchandises assures ar-rivent destination telles quelles, mais quelles

ne peuvent tre identifies en raison de leffa-cement de leurs marques ou pour tout autre mo-tif, la perte, sil y a lieu, est partielle.

Idem

Recovery for partial loss

(3) Unless a marine policy otherwise pro-vides, an insured who brings an action for a to-tal loss but establishes only a partial loss mayrecover for a partial loss.

(3) Sauf disposition contraire de la policemaritime, lassur qui intente une action pour tre indemnise dune perte totale mais nta- blit que la perte partielle peut obtenir rparation pour la perte partielle.

Rglement delindemnit

Types of partiallosses

62. A partial loss may be a particular aver-age loss, a general average loss, salvage

charges or particular charges.

62. La perte partielle peut consister en uneavarie particulire, en une avarie commune, en

frais de sauvetage ou en frais de conservation.

Catgories de pertes partielles

Particular average loss

63. (1) A particular average loss is a loss of the subject-matter insured that is caused by a peril insured against and is not a general aver-age loss, but does not include particular charges.

63. (1) Lavarie particulire est la perte dela chose assure rsultant dun pril assur lors-quil ne sagit pas dune avarie commune; elleninclut pas les frais de conservation.

Avarie particulire

Particular charges

(2) Particular charges are expenses incurred by or on behalf of an insured for the purpose of preserving the subject-matter insured from a peril insured against, but do not include a gen-eral average loss or salvage charges.

(2) Les frais de conservation sont les fraisengags par ou pour lassur en vue de prser-ver la chose assure dun pril assur; ils nin-cluent ni lavarie commune ni les frais de sau-vetage.

Frais deconservation

Salvage charges 64. (1) Salvage charges are charges recov-erable under maritime law by a salvor indepen-dently of any contract, but do not include expenses incurred for services in the nature of salvage rendered by the insured or the insuredsagent, or any person hired by the insured or theinsureds agent, for the purpose of averting aloss by a peril insured against.

64. (1) Les frais de sauvetage sont les fraisrecouvrables par un sauveteur en vertu du droitmaritime indpendamment de tout contrat; ilsnincluent pas les frais des services assimi-lables au sauvetage rendus par lassur ou sonmandataire, ou par les personnes quils ont en-gages, pour viter la perte due au pril assur.

Frais de

sauvetage

Recovery of salvage charges

(2) Subject to any express provision in themarine policy, salvage charges incurred for the purpose of averting a loss by a peril insuredagainst may be recovered from the insurer as aloss by such a peril.

(2) Sauf stipulation contraire de la policemaritime, les frais de sauvetage engags pour viter la perte due au pril assur peuvent trerecouvrs auprs de lassureur titre de pertecause par ce pril.

Remboursementdes frais

Recovery of other expenses

(3) The expenses referred to in subsection(1) that are not salvage charges may, when properly incurred, be recovered from the insur-er as particular charges or as a general averageloss, according to the circumstances under which they were incurred.

(3) Les frais viss au paragraphe (1) qui nesont pas des frais de sauvetage peuvent, lors-quils ont t lgitimement engags, tre recou-vrs auprs de lassureur titre de frais deconservation ou davaries communes, selon lescirconstances o ils ont t engags.

Recouvrementdautres frais


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General averageloss

65. (1) A general average loss is a losscaused by or directly consequential on a gener-al average act, and includes a general averagesacrifice and a general average expenditure.

65. (1) Lavarie commune est la perte cau-se par un acte davarie commune ou en rsul-tant directement; y sont inclus les sacrifices etles dpenses davarie commune.

Avariescommunes

General averageact, sacrifice andexpenditure

(2) A general average act is any extraordi-nary sacrifice or expenditure, known as a gen-eral average sacrifice and a general average expenditure, respectively, that is voluntarily andreasonably incurred in time of peril for the purpose of preserving the property from peril in acommon adventure.

(2) Lacte davarie commune consiste en sa-crifices ou dpenses extraordinaires appelssacrifices davarie commune et dpenses dava-rie commune respectivement raisonnable-ment et volontairement consentis en situationde danger dans le but de prserver les biensdun pril lors dune opration commune.

Actes, sacrificeset dpensesdavariecommune

General averagecontribution

(3) Subject to the conditions imposed bymaritime law, a person who incurs a generalaverage loss is entitled to receive from the oth-er interested persons a rateable contribution,known as a general average contribution, in re-spect of the loss.

(3) Sous rserve des conditions imposes par le droit maritime, lavarie commune donnele droit la personne qui la subit de recevoir des autres intresss, lgard de la perte, unecontribution proportionnelle appele contribu-tion davarie commune.

Contributiondavariecommune

Recovery of general averageexpenditure andgeneral averagesacrifice

(4) Subject to any express provision in themarine policy,

(a) an insured who incurs a general averageexpenditure may recover from the insurer inrespect of the proportion of the loss fallingon the insured; and(b) an insured who incurs a general averagesacrifice may recover from the insurer in re-spect of the whole loss, without having en-forced the insureds right to contributionfrom other persons.

(4) Sauf stipulation contraire de la policemaritime :

a) lassur qui engage une dpense davariecommune peut recouvrer auprs de lassu-reur la proportion de la perte qui lui in-combe;b) lassur qui fait un sacrifice davariecommune peut recouvrer auprs de lassu-reur lensemble de la perte, sans avoir exer-cer son droit contribution auprs des autresintresss.

Indemnisationdes sacrifices etdpensesdavariecommune

Recovery of general averagecontribution

(5) Subject to any express provision in the

marine policy, an insured who has paid, or is li-able to pay, a general average contribution inrespect of the subject-matter insured may re-cover the contribution from the insurer.

(5) Sauf stipulation contraire de la police

maritime, lassur qui paie ou est tenu de payer une contribution davarie commune lgardde la chose assure peut la recouvrer auprs delassureur.

Recouvrementdescontributionsdavariecommune

Condition (6) Subject to any express provision in themarine policy, an insurer is not liable for a gen-eral average loss or a general average contribu-tion, unless the loss was incurred for the purpose of averting, or in connection with theavoidance of, a peril insured against.

(6) Sauf stipulation contraire de la policemaritime, lassureur nest tenu aux avariescommunes ou aux contributions davarie com-mune que si la perte est subie dans le but dvi-ter un pril assur ou est lie aux mesures prises en ce sens.

Condition

Where singleownership

(7) Where any ship, freight and goods, or any two of them, are owned by the same in-

sured, the liability of the insurer for a generalaverage loss or a general average contributionshall be determined as if they were owned bydifferent persons.

(7) Lorsque le navire, le fret et les marchan-dises, ou deux de ceux-ci, appartiennent au

mme assur, la responsabilit de lassureur autitre des avaries communes ou des contribu-tions davarie commune doit tre tabliecomme sils appartenaient des personnes dif-frentes.

Propritaireunique


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MEASURE OF INDEMNITY RGLEMENT DE LINDEMNITMeasure of indemnity

66. The measure of indemnity in respect of aloss under a marine policy is the amount thatthe insured can recover in respect of the lossunder the policy, such amount not exceeding

(a) in the case of an unvalued policy, the in-surable value of the subject-matter insured;

or (b) in the case of a valued policy, the valueof the subject-matter insured specified by the policy.

66. Lindemnit due pour une perte est lemontant que lassur peut rclamer pour celle-ci en vertu de la police maritime, ce montantnexcdant pas :

a) dans le cas dune police dcouvert, lavaleur assurable de la chose assure;

b) dans le cas dune police valeur agre,la valeur de la chose assure qui est spcifiedans la police.

Montant delindemnit

Total loss 67. Subject to this Act and any express pro-vision in the policy, the measure of indemnityin respect of a total loss of the subject-matter insured is

(a) in the case of an unvalued policy, the in-surable value of the subject-matter; and(b) in the case of a valued policy, the valueof the subject-matter specified by the policy.

67. Sous rserve des autres dispositions dela prsente loi et sauf stipulation contraire de la police maritime, lindemnit due pour la pertetotale de la chose assure correspond :

a) dans le cas dune police dcouvert, lavaleur assurable de la chose;b) dans le cas dune police valeur agre, la valeur de la chose assure qui est spcifiedans la police.

Perte totale

Partial loss of ship

68. Subject to any express provision in themarine policy, the measure of indemnity in re-spect of a partial loss of a ship is

(a) where the ship is repaired, the reasonablecost of the repairs less the customary deduc-tions, but not exceeding the sum insured inrespect of any one casualty;(b) where the ship is partially repaired, theaggregate of the reasonable cost of the repairs, as determined under paragraph (a), andthe reasonable depreciation, if any, arisingfrom the unrepaired damage, the aggregatenot exceeding the cost, as determined under paragraph (a), of repairing the whole dam-age; and(c) where the ship is not repaired and is notsold in a damaged state during the risk, thereasonable depreciation arising from the un-repaired damage, but not exceeding the cost,as determined under paragraph (a), of repair-

ing the damage.

68. Sauf stipulation contraire de la policemaritime, lindemnit due pour la perte par-tielle du navire correspond :

a) si le navire est rpar, au cot raisonnabledes rparations moins les dductions du-sage, sans que lindemnit puisse excder lasomme assure par sinistre;b) si le navire nest rpar quen partie, aucot raisonnable des rparations, tabliconformment lalinaa), auquel est ajou-te, le cas chant, la dprciation raison-nable rsultant du dommage non rpar, letout ne devant pas excder le cot de la rpa-ration intgrale du dommage, tabli confor-mment lalinaa);c) si le navire nest ni rpar ni vendu avari pendant la dure du risque, la dprciationraisonnable rsultant du dommage non rpa-r, sans que lindemnit puisse excder lecot de la rparation du dommage, tabli

conformment lalinaa).

Perte partielle :navire

Partial loss of freight

69. Subject to any express provision in the policy, the measure of indemnity in respect of a partial loss of freight is that proportion of theinsurable value of the freight, in the case of anunvalued policy, or the value of the freightspecified by the policy, in the case of a valued policy, that the part of the freight lost by the in-

69. Sauf stipulation contraire de la policemaritime, lindemnit due pour la perte par-tielle du fret correspond la proportion de lavaleur assurable du fret, dans le cas dune po-lice dcouvert, ou de la valeur du fret spci-fie dans la police, dans le cas dune police valeur agre, que la partie du fret perdue par

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sured bears to the whole freight at the risk of the insured under the policy.

lassur reprsente par rapport la totalit dufret au risque de lassur en vertu de la police.

Partial loss of goods or movables

70. (1) Subject to any express provision inthe policy, the measure of indemnity in respectof a partial loss of goods or movables is

(a) where part of the goods or movables in-sured by an unvalued policy is totally lost,

the insurable value of the part lost, ascer-tained as in the case of a total loss;(b) where part of the goods or movables in-sured by a valued policy is totally lost, that proportion of the value of the goods or mov-ables specified by the policy that the insur-able value of the part

Documents

Marine Insurance Act 1993