After speaking on a similar subject at January’s 14th International P&I Conference in Piraeus, Steve Roberts, looks at the operation of the discretionary cover provided under the Club’s P&I rules.
P&I cover has developed over the years to capture the common liability risks faced by those involved in shipping. The rules provide positive cover for such risks. However, the maritime environment keeps evolving and, consequently, so do the risks that can arise.
A unique feature of mutual P&I cover is its ability to extend the boundaries of normal cover to embrace the unexpected. The possibility to extend cover towards the abnormal arises through the Club possessing the ability to exercise discretion.
See attached file: How flexible is P&I cover.pdf
保赔险(P&I)有多灵活？
1月，继在比雷埃夫斯(Piraeus)举行的第14届国际船舶保赔险大会上就相关问题发表演讲后，伦敦保赔协会理赔部董事Steve Roberts，阐述了协会在保赔险承保范围下的自由裁量权问题。
长期以来，随着航运责任风险的变化，船舶保赔险的承保范围也发生了相应的调整。协会保险条款积极承保类似风险。但是，海事环境的不断变化也带来风险的新变化。
保赔险的一大特征在于：随着新风险的出现，其承保范围能够在覆盖常规风险的基础上有所延展。而其最终是否能够扩大承保范围以覆盖非常规风险，往往取决于协会对自由裁量权的行使。
详细信息请参阅附件。
