最近，我司收到保赔险保险人的反馈，如果货方确定船舶是不适航的，那么就有权不分摊共同海损，同时保赔险保险人对因船舶不适航而不能获得的共同海损分摊不承担赔偿责任。
来自保赔险保险人的这一反馈令人震惊。因为，货方总是用船舶不适航来拒绝共同海损分摊，保险人的这一反馈实际上意味着，他们将永不对因船舶不适航引起的未获货主分摊的共同海损承担责任。
详细信息请参阅附件。
When can Unseaworthiness bar an insurance claim
We recently received a P&I insurer’s response that in the event the cargo interest allege the vessel is unseaworthy thereby entitling them not to contribute to the general average, the P&I insurers will also become not liable under the cover in respect of unrecoverable general average contributions for the reason the vessel was not seaworthy.
This reply from the P&I insurer was surprising as this effectively means P&I insurers would never be in a position to cover unrecoverable general average contributions arising from the vessel’s alleged unseaworthiness, which invariably is the defence used by the cargo interests in declining to contribute.
See attached file: ALCO20130032 When can Unseaworthiness bar an insurance claim.pdf
