I venture to indulge in the hope that my experience of

insurance in merchants' and shipowners' business may have

enabled me to appreciate those wants of the Assured which

underwriters are sometimes thought unduly to neglect.

I desire to acknowledge with thanks the permission

given to me by Mr. Reginald G. Marsden and his pub-

lishers, Messrs. W. Clowes and Sons, Limited, to reproduce

some of the documents given in the Appendix; the

suggestions made by Mr. T. A. Bellew, Secretary of the

Liverpool Underwriters' Association; and the constant

assistance of my friend and deputy, Mr. Cyril A. Prescott,

who has given me much help in correcting the text and

checking the case-references, and has drawn up the Index

of Cases.

To the unfailing kindness and invaluable advice

of another friend I owe if possible even more, but without

his permission I cannot take the liberty of placing his

name on this page and of so conferring on it a distinction

not mine to bestow.

F7 EXCHANGE BUILDINGS, LIVERPOOL,

20th February 1895.

WILLIAM GOW.

Corrected to 16th May 1896.-—W. G.

Policy Forms, Common English Policy, The Heading,

The Assured, Lost or Not Lost, At and From

CHAPTER III

THE POLICY: PART I-continued-

Common English Policy continued, General Description

of Subject Matter Insured, Duration of Risk on Goods

and Ship, including Touch and Stay and Deviation

Clause

27

43

THE POLICY: PART II-continued--

Sue and Labour Clause, Waiver Clause, Force and Effect

of Policy, Consideration, Attestation

CHAPTER VIII

PRINCIPLES OF INTERPRETATION OF THE POLICY

CHAPTER IX

TOTAL LOSS OF SHIP AND OF CARGO

76

92

22

120

130

144

N. CLAUSES IN OCCASIONAL USE IN POLICIES ON IN-

TEREST OF ALL KINDS

INDEX

359

361

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