K.M. Dastur Reinsurance Brokers Pvt. Ltd.

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1 Marine Hull Insurance & Reinsurance From K.M.Dastur Reinsurance Brokers Private Ltd., Mumbai Website:

2 Marine Hull Insurance Introduction to Hull Insurance Fundamental Principles i of Hull Insurance Principle of utmost good faith Principle of Insurable Interest Principle of Indemnity

3 Types of vessels General Cargo Vessel Built for specific purpose like car carriers, live stock carriers, log carriers, heavy lift vessels etc Liners or Tramps Dry Bulk carriers Heavy weather damage Liquid Bulk carriers- shorter life, fire &explosion, risk of pollution Passenger vessels fire damage Container vessels loss of containers Offshore Oil and Gas Exploratory units blow out Fishing vessels moral hazard Other vessels like Tugs, Barges, Supply vessels, Yachats etc Above vessels may either be Blue Water vessels or Brown Water vessels

4 Types of Policies Hull and Machinery Policy Freight Policy Disbursement and Increased Value Policy Loss of Hire Policy Builder s Risk Policy Ship Repairer s Liability Policy Charterer s Legal Liability Policy Mortgagee Interest Insurance Policy Port Package policies War and strike polices

5 Marine Hull Underwriting Considerations Technical Details of the vessel like Year and where Built of the vessel, GRT/ DWT / FDWT, No Engines BHP of the engine, Dimension,class, flag,nature of cargo etc Ownership and Management of the vessel Profile of Assured Past claim experience Repair cost and Inflationary trend Repair and salvage facility Insured value Trading area Policy deductible World wide Experience Insurance conditions

6 Marine Hull Rating Ocean Going vessels/ Coastal vessels etc Total Loss rate Age, Type, Sum Insured Other than Total Loss Size of the vessel like GRT/ DWT/ BHP.etc Fleet experience Size of the fleet Builder s Risk Insurance Type of vessel Estimated contract value Period of Insurance Record of the shipyard Ship Repairer s Legal Liability Insurance Limit of Liability Turnover of the shipyard Past claims experience

7 Main Types of Marine Hull Clauses ITC Hull 1/10/83 ITC Hulls Disbursement & Increased Value ( TL including excess liabilities) ITC Hulls TL,GA, 3/4 th Collision ( Including S,SC S&L) ITC Hulls Port Risk Institute Builder s Risk Clauses Institute Yacht Clauses

8 Coverage of ITC Hulls 1/10/83 Total loss Cost of Repairs Unrepaired damage Sue & Labour charges Salvage charges General Average Collision liability Deductible Termination clause Perils covered like perils of seas, fire, theft, jettison, piracy etc Pollution hazard

9 Risk Improvement Techniques Condition valuation & crew competency survey Tug Tow Towage warranty Institute classification warranty International safety management Weather Warranty Vessel not to carry cargo /passenger in excess of Licensed capacity Warranted vessel properly licensed and registered with appropriate Government Marine Department and whose rules and regulations to be complied with, at all times Coinsurance

10 Major Markets for Marine Hull Insurance UK Lloyd s & ILU Companies USA Italy Spain Asia & Japan Norway

11 Global Hull Premium Major Markets (USD Million)

12 Market Share of Marine Premium 2007 Europe: Albania, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Hungary, Ireland, Italy, Netherland, Norway, Poland, Portugal, Romania, Russia, Slovenia, Spain, Sweden, Turkey, Ukraine, UK Asia/Pacific: Australia, Chinese Taipei, Hong Kong, India, Japan, North America, South America, Malaysia, New Zealand, Singapore North America: Bermuda, Canada, USA. Rest of World: Brazil, Congo, Egypt, Israel, Kenya, Lebanon, Mexico, Morocco, Nigeria, South Africa, Tunisia, UAE.

13 Major International Hull Insurance Wordings Institute Clauses (London) Dutch Clauses Norwegian Clauses Japanese Clauses American Clause

14 Latest trends in Marine Hull Insurance & Reinsurance Over all freight market is OK though it is slightly volatile Though tonnage is increasing because of existing orders but there is reduction in the new orders for ship building mainly in Japan and Korea due to recession Piracy risks are now adays covered by War Underwriters in view of increase piracy claims in gulf of Aden & Somalia. Ransom is covered separately Marine Hull Insurance and reinsurance capacity continue to be sufficient

15 Latest trends in Marine Hull Insurance & Reinsurance (Cont..) Number of total losses is stabilized but over all claims position is adverse due to increase in Partial losses. Total Number of Losses (Vessels > 500 GT)

16 Latest trends in Marine Hull Insurance & Reinsurance (Cont..) Machinery damage remains the primary cause of partial losses and accounts for 35.21% of the total between 2005 to 2009 followed by collision/contact and grounding. Weather represent only asmall proportion of incident despite being major cause of total losses Total Losses By Cause, All Types (Vessels > 500 GT)

17 Marine Total Losses in 2010 January Ocean Lark Anchor Handling tug sank off Singapore January Orcun C Cargo ship grounded & broke up on Turkish Coast January Sea Angel Cargo ship sank off Taiwan January Eagle Otome Oil Tanker collision with a barge in Port Arthur USA, Causing a significant oil spill (around 10,000 bbls of crude) January Calypso Cargo ship sank off Colombia January Angeln Containership sank offshore St Lucia March Nisshin Maru Cargo Ship sank off Japan April Shen Neng Bulkers ran around on the Great Barrier Reef Offshore Australia April Qingjiang No. 8 Vessels capsized in Chinese Dock April Bright Century Capesize bulker sank offshore China May Dubai Moon Ro Ro sank off Yemen May Sun Gen Bing Cargo ship sank off Vietnam

18 Why Hull Reinsurance? Additional underwriting capacity Financial Stability Stabilizing operating results Accumulation control Spreading of Risks Untested Risks Technical Expertise Expand Volume Protects Insurance companies against large losses

19 Relationship Between Hull Direct Insurance and Hull Reinsurance Coverage of the Hull Treaty Treaty Net Retention & Limit Geographical Area Treaty Restrictions Commission Allowed in Treaty Accumulations Bring to the notice of Treaty Reinsurer about the underwriting difficulties if any, at the time of renewal

20 Net Retention Paid up Capital and Free Reserve Percentage of anticipated annual gross premium Class and Quality of Risk Proportional Reinsurance Facultative Reinsurance Treaty Reinsurance Quota Share Surplus Fac. Obligatory Treaty Non-Proportional Reinsurance Risk XL Cat XL In Maine Hull normal practice is to avail Risk cum Cat XL protection

21 THANK YOU

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