{"id":9952,"date":"2012-11-13T05:49:17","date_gmt":"2012-11-13T05:49:17","guid":{"rendered":"http:\/\/192.168.1.14\/index.php\/2012\/11\/13\/the-application-of-ig-clubs-in-excluding-4-4-rdc-liability\/"},"modified":"2025-09-01T01:21:41","modified_gmt":"2025-08-31T17:21:41","slug":"the-application-of-ig-clubs-in-excluding-4-4-rdc-liability","status":"publish","type":"post","link":"https:\/\/andrewliu.com.hk\/zh\/the-application-of-ig-clubs-in-excluding-4-4-rdc-liability\/","title":{"rendered":"The application of IG Clubs in excluding 4\/4 RDC Liability"},"content":{"rendered":"

 \"pdf\" ENG<\/a>   \"pdf\" \u4e2d\u6587<\/a><\/p>\n

In one of our recent collision cases which P&I club’s cover excludes 4\/4 collision liability, there has been a discussion in depth whether P&I Clubs should pick up the personal injury and the oil leakage claims from the opponent vessel when incurred. From our point of view, whenever an opponent’s pollution liability does not fall under the hull cover or any other covers of own vessel, the P&I Clubs should pick up any potential pollution liability from the opponent vessel. We have made this enquiry to the IG Clubs and summarize their advices for our clients.<\/p>\n

Based on the assumption that 4\/4 collision liability in H&M cover is extended to normal ITC 1.10.83 or PICC’s 2009 policy which are widely used in the Lloyd’s and the Chinese market respectively, there are two schools of thought within the IG Clubs. One school of thought is that once the members opt to exclude 4\/4 collision liability from the Clubs, the Clubs would exclude all the claims including injury, death, the pollution and etc. from the other vessel because all these claims are from the opponent vessel. The other school of thought is that Club is to exclude own vessel’s collision liability on the physical damage to the opponent vessel and property onboard the opponent vessel only, other collision liability of the own vessel such as crew claim onboard the opponent vessel, pollution from the opponent vessel shall be under the P&I cover even if 4\/4 collision liability is excluded.<\/p>\n

After reviewing various advices from IG Clubs, most of the Clubs’ advices can be interpreted as in line our view. With respect of the contribution and apportionment of opponent vessel’s personal injury and oil pollution, three IG Clubs advise that it should be the matter of interpreting the governing law. If the governing law holds member is jointly and severally liable to the personal injury\/death and oil pollution originated from the other ship, then the club should be responsible for this. One Club has provided a clear list regarding the covered items indicates that under excluding 4\/4 RDC, i.e. personal injury\/death, pollution, wreck removal, property not on ships and cargo on own ships. Moreover, one IG Club has kindly reminded that because of an absence of cover for, like pollution arising out of a collision, in the hull policy, this does not mean that the Club will automatically cover such pollution where RDC cover has been completely excluded.<\/p>\n

For the purpose of handling smoothly, under the 4\/4 collision liability in H&M cover, we recommend that H&M underwriters should play a vital role to help the Assured to take necessary and emergency actions, i.e. appointing the surveyor to investigate the incident of both vessels, employing the local lawyer, collecting the relevant evidence and etc. Moreover, in order that P&I Clubs could clearly understand and determine if the relevant claimed items are covered by them, in reference to their P&I rules and terms of entry, it is advisable for the members to disclose the H&M policy for the Clubs’ consideration at the time of placing and seek clarification if in doubt.<\/p>\n

See attached file:ALCO20120064 The application of IG Clubs in excluding 4-4 RDC Liability<\/p>\n

 <\/p>\n

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<\/strong><\/span><\/p>","protected":false},"excerpt":{"rendered":"

  ENG    CHN In one of our recent collision cases which P&I club’s cover excludes 4\/4 collision liability, there has been a discussion in depth whether P&I Clubs should pick up the personal injury and the oil leakage claims from the opponent vessel when incurred. From our point of view, whenever an opponent’s pollution liability does […]<\/p>","protected":false},"author":3,"featured_media":9071,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34],"tags":[125],"class_list":["post-9952","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-circulars","tag-english"],"_links":{"self":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts\/9952","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/comments?post=9952"}],"version-history":[{"count":1,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts\/9952\/revisions"}],"predecessor-version":[{"id":20188,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts\/9952\/revisions\/20188"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/media\/9071"}],"wp:attachment":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/media?parent=9952"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/categories?post=9952"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/tags?post=9952"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}