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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.
F 7 EXCHANGE BUILDINGS, LIVERPOOL,
20th February 1895.
WILLIAM GOW.
Corrected to 16th May 1896.-—W. G.
LITERATURE.
CONTENTS
INDEX OF CASES .
HISTORICAL INTRODUCTION
CHAPTER
ELEMENTARY NOTIONS--
Slip, Covering Note, Policy, Stamp Act
CHAPTER II
THE POLICY: PART I-
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
PAGE
xi
xiii
IO
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
64
76
92
120
130
144
M. CLAUSES IN ORDINARY USE IN POLICIES ON INTEREST
OTHER THAN HULL.
354
N. CLAUSES IN OCCASIONAL USE IN POLICIES ON IN-
TEREST OF ALL KINDS
359
INDEX
361