I. Scope or Cover
This insurance is classified into the following three Conditions-Free From Particular Average (F .P. A.), With Average (F.P.A.) and All Risks. Where the goods insured hereunder sustain loss or damage, the Company shall undertake to indemnify therefor according to the Insured Condition specified in the Policy and the Provisions of these Clauses:
1. Free From Particular Average (F. P. A.)
This insurance covers:
2. With Average (W. A.)
Aside from the risks covered under F. P. A. condition as above, this insurance also covers partial losses of the insured goods caused by heavy weather, lightning, “tsunami, earthquake and/or flood.
3. All Risks
Aside from the risks covered under the F. P. A. and W. A. conditions as above ; this insurance also covers all: risks of loss of or damage to the insured goods whether
partial or total ,arising from external causes in the course of transit.
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