Preface

Introductory provisions - Rule 1: Interpretation

Introductory provisions - Rule 2: The cover

Entries and duration of cover - Rule 3: Entries

Entries and duration of cover - Rule 4: Duration of cover

Entries and duration of cover - Rule 5: Certificate of Entry

Conditions of cover - Rule 6: The Member’s duty of disclosure

Conditions of cover - Rule 7: Alteration of risk

Conditions of cover - Rule 8: Classification and certification of the Ship

Conditions of cover - Rule 9: Survey

Premiums and Calls - Rule 10: Setting of Estimated Total Calls

Premiums and Calls - Rule 11: Variation of Estimated Total Calls

Premiums and Calls - Rule 12: Estimated Total Calls and Owners' General Discount

Premiums and Calls - Rule 13: Supplementary Calls

Premiums and Calls - Rule 14: Determination of Estimated Total Calls, Owners' General Discount and Supplementary Calls etc.

Premiums and Calls - Rule 15: Release Calls

Premiums and Calls - Rule 16: Closing of Policy Years

Premiums and Calls - Rule 17: Repayment of premium

Premiums and Calls - Rule 18: Overspill Calls

Premiums and Calls - Rule 19: Reserves

Premiums and Calls - Rule 20: Payment

Premiums and Calls - Rule 20A: Insurance Premium Tax

Premiums and Calls - Rule 21: Set-off

Premiums and Calls - Rule 22: Laid-up returns

Termination and cesser - Rule 23: Termination by a Member

Termination and cesser - Rule 24: Termination by the Association

Termination and cesser - Rule 25: Cesser

Termination and cesser - Rule 26: Effect of cesser or termination

RULES PART I – Availability of cover

Risks covered - Introduction

Risks covered - Rule 27: Liabilities in respect of crew

Risks covered - Rule 28: Liabilities in respect of passengers

Risks covered - Rule 29: Liability for other persons carried on board

Risks covered - Rule 30: Liability for persons not carried on board

Risks covered - Rule 31: Diversion expenses

Risks covered - Rule 32: Stowaways or Persons saved at Sea

Risks covered - Rule 33: Life salvage

Risks covered - Rule 34: Cargo liability

Risks covered - Rule 35: Extra handling costs

Risks covered - Rule 36: Collision with other ships

Risks covered - Rule 37: Damage to fixed or floating objects

Risks covered - Rule 38: Pollution

Risks covered - Rule 39: Loss of or damage to property

Risks covered - Rule 40: Liability for obstruction and wreck removal

Risks covered - Rule 41: General average

Risks covered - Rule 42: Salvage

Risks covered - Rule 43: Towage

Risks covered - Rule 44: Legal costs

Risks covered - Rule 45: Enquiry expences

Risks covered - Rule 46: Measures to avert or minimise loss

Risks covered - Rule 47: Fines

Risks covered - Rule 48: Disinfection and quarantine expenses

Risks covered - Rule 49: Confiscation of the Ship

Risks covered - Rule 50: Damage to Member’s own property

Limitations etc. on P&I cover - Introduction

Limitations etc. on P&I cover - Rule 51: General limitation of liability

Limitations etc. on P&I cover - Rule 51B: Limitations – Limitation and payment of Overspill Claims

Limitations etc. on P&I cover - Rule 52: Limitations for charterers and Consortium Vessels

Limitations etc. on P&I cover - Rule 53: Limitations – oil pollution, passengers and seamen

Limitations etc. on P&I cover - Rule 54: Amounts saved by the Member

Limitations etc. on P&I cover - Rule 55: Terms of contract

Limitations etc. on P&I cover - Rule 56: Non-marine personnel

Limitations etc. on P&I cover - Rule 57: Liability occurring during through transports

Limitations etc. on P&I cover - Rule 58: War risks

Limitations etc. on P&I cover - Rule 59: Specialist operations

Limitations etc. on P&I cover - Rule 60: Drilling, production vessels, barges and heavy lift vessels

Limitations etc. on P&I cover - Rule 61: Submarines, diving bells remotely operated underwater vehicles and divers

Limitations etc. on P&I cover - Rule 62: Waste incineration, disposal operations and landfills

Limitations etc. on P&I cover - Rule 63: Excluded losses

RULES PART II – P&I cover

Offshore units - Rule 64: Terms of cover

RULES PART III – Rules for mobile offshore units

Defence Cover - Introduction

Risks covered - Rule 65: Cases pertaining to the operation of the Ship

Risks covered - Rule 66: Cases pertaining to acquisition or disposal of the Ship

Limitations etc. on Defence cover - Rule 67: Excluded costs

Limitations etc. on Defence cover - Rule 68: Disputes with the Association and other Members – Unpaid sums

Limitations etc. on Defence cover - Rule 69: The Association’s right to control and direct the handling of a case – withdrawal of cover

Limitations etc. on Defence cover - Rule 70: Limitation

RULES PART IV – Defence cover

Introduction

Rule 71: Other insurance

Rule 72: Conduct of a Member

Rule 73: Nuclear perils

Rule 74: Unlawful trades etc.

Rule 75: Part Tonnage

Rule 76: Deductibles

Rule 77: Administrative costs, insolvency and sanctions etc.

RULES PART V – General limitations etc. on P&I and Defence cover

Joint Members, Co-assureds and Affiliates - Rule 78: Cover for Co-assureds and Affiliates

Joint Members, Co-assureds and Affiliates - Rule 79: Joint Members, Co-assureds, Affiliates and Fleet Entries

Claims etc. - Rule 80: Time of occurrence

Claims etc. - Rule 81: Time bar

Claims etc. - Rule 82: Obligations with respect to claims

Claims etc. - Rule 83: Exclusion of liability

Claims etc. - Rule 84: Recoveries from third parties

Claims etc. - Rule 85: Discharge

Claims etc. - Rule 86: Currency of payments

Claims etc. - Rule 87: Payment first by Member

Claims etc. - Rule 88: Payments and undertakings to third parties

Assignment, law, arbitration and amendments to Rules - Rule 89: Assignment

Assignment, law, arbitration and amendments to Rules - Rule 90: Governing law

Assignment, law, arbitration and amendments to Rules - Rule 91: Arbitration

Assignment, law, arbitration and amendments to Rules - Rule 92: Amendments to the Rules

RULES PART VI – Miscellaneous provisions

Appendix I Additional insurances

Appendix II Charterers limits including special limit for Consortium Claims

Appendix III Oil pollution

Appendix IV Passengers and seamen

Appendix V Deductibles

Appendix VI Rules on Overspill Claims and Overspill Calls and related matters

Appendix VII Particular clauses

Appendices

Acknowledgements

Protection and Indemnity (P&I) cover

Introduction to the Gard Guidance to the Rules 2015

Introduction to Gard Additional covers

Explore Gard's Guidance to the Rules 2024 for a comprehensive overview of key regulations, policy updates, and expert interpretations.

Guidance to The Rules 2024