Clause 24: Strikes Exclusion

In no case shall this insurance cover loss damage liability or expense caused by

24.1 strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions

24.2 any terrorist or any person acting from a political motive.

Comments to ITCH

Clause 24

The perils excluded by clause 24 can be divided into three groups all of which are covered by an insurance governed by Institute War and Strikes Clauses. The three groups of perils are: strikes, locked out workmen or persons taking part in labour disturbances, riots and civil commotions all excluded by CL. 24.1 and thirdly the detonation of an explosive, or any weapon of war by any person acting maliciously or from a political motive. In the last group the requirement that there should be a malicious or political motive means that accidental detonation of an explosive or weapon of war is not excluded. Since ITCH provides cover on a named perils basis this does not mean that such cases are automatically covered. However, if the detonation was caused by a collision or if as is usually the case the Additional Perils clause which covers any accident has been included then there would be cover under a H&M policy. 

Comments to NMIP

NMIP Cl. 2-9 sub-clause c

The perils named in ITCH Cl. 24.1 and Cl. 24.2 will be war perils under NMIP Cl. 2-9, sub-clause c and would therefore be excluded from cover under a marine Cl. 2-8 H&M policy.