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21.4 In the event of failure to comply with the conditions of this Clause 21, a deduction of 15% shall be made from the amount of the ascertained claim.
21 索赔通知和招标条款
21.1 如果发生根据本保险可以索赔的损失或损害的意外事故，被保险人应在检验前迅速通知保险人，以便在保险人如此要求时指定检验人。
21.2 保险人有权决定船舶驶往干坞或修理的港口（因遵循保险人的要求所产生的实际额外航程费用，应由保险人偿还给被保险人）并对船舶修理地点或修船公司有否决权。
21.3 保险人为修理船舶可以招标或可以要求重新招标，在已进行了此种招标且保险人已认可接受招标的情况下，如果收到保险人的认可后，被保险人毫不迟延地接受招标，对于在按保险人的要求发出招标邀请至接受招标期间完全由于招标所致的时间损失，应基于保险价值按30％的年利率予以补贴。
为上述招标期间或该期间的任何部分，应从上述招标补贴中扣除下列有关任何金额：在燃料、物料及船长、高级船员和船员的工资和给养方面得到的补偿，包括允许作为共同海损的金额，以及有关延迟损害赔偿和/或利润损失和/或营运费用从第三方得到的任何金额。
在除了固定的免赔额之外，部分损害赔偿修理费用不能从保险人处得到赔偿之场合，该补贴应按相似的比例扣减。
21.4 倘若被保险人未遵循本第13.2款及/或第13.3款的条件，应从已确定的赔偿款中扣除15％。
第22条 营运费用保证条款
22 DISBURSEMENTS WARRANTY
Warranted that no insurance is or shall be effected to operate during the currency of this insurance by or for account of the Assured, Owners, Managers or Mortgagees on:
22.1 disbursements, commissions or similar interests, P.P.I., F.I.A. or subject to any other like term,
22.2 excess or increased value of hull and machinery however described.
Provided always that a breach of this warranty shall not afford the Underwriters any defence to a claim by a Mortgagee who has accepted this insurance without knowledge of such breach.
22 营运费用保证
兹保证在本保险生效期间，本保险不受或考虑被保险人、船东、管理人或抵押权人的影响：
22.1 营运费用、佣金或类似的利益，P.P.I(保险单证明的利益（保险单证明的利益）F.I.A.(认可的金额利益)或受其他类似条款制约的。
22.2 无论如何形容的船体和机器的超额或增加的价值。保险人不得以违反本保险的保证为由，抗辩在接受本保险时，不知道此项违反的抵押权人提出的索赔。
第23条 停泊和解约时的退费条款
23 RETURNS FOR LAY-UP AND CANCELLATION
23.1 To return as follows
23.1.1 Pro rata monthly net for each uncommenced month if this insurance be cancelled by agreement or by the operation of Clause 4.
23.1.2 For each period of 30 consecutive days the Vessel may be laid up in a port or in a lay-up area provided such port or lay-up area is approved by the Underwriters(with special liberties as hereinafter allowed)
(1) per cent net not under repair
(2) per cent net under repair.
If the Vessel is under repair during part only of a period for which a return is claimable, the return shall be calculated pro rata to the number of days under(1) and (2) respectively.
23.2 PROVIDED ALWAYS THAT
23.2.1 a total loss of the Vessel , whether by insured perils or otherwise, has no occurred during the period covered by this insurance or any extension thereof
23.2.2 in no case shall a return be allowed when the Vessel is lying in exposed or unprotected waters, or in a port or lay-up area is deemed to be within the vicinity of the approved port or lay-up area, days during which the Vessel is laid up in such non-approved lay-up area may be added to days in the approved port or lay-up area to calculate a period of 30 consecutive days and a return shall be allowed for the proportion of such period during which the Vessel is actually laid up in the approved port or lay-up area.
23.2.3 loading or discharging operations or the presence of catch on board shall not debar returns but no return shall be allowed for any period during which the Vessel is being used for the storage of catch or for lightering purposes
23.2.4 in the event of any amendment of the annual rate, the above rates of return shall be adjusted accordingly
23.2.5 in the event of any return recoverable under this Clause 23 being based on 30 consecutive days which fall on successive insurance effected for the same Assured, this insurance shall only be liable for an amount calculated at pro rata of the period rates 23.1.2(1) and/or (2) above for the number of days which come within the period of this insurance and to which a return is actually applicable. Such overlapping period shall run, at the option of the Assured, either from the first day on which the Vessel is laid up or the first day of a period of 30 consecutive days as provided under 23.1.2(1),(2) or 23.2.2 above.
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