Under which clause H&M insurance not covered, specified clause and explain.

Answer

A Paramount Clause is an overriding provision incorporated into maritime contracts (such as Bills of Lading, Charter Parties, and Marine Insurance policies) that explicitly mandates the application of a specific mandatory law or international convention, overriding any other conflicting terms within the agreement.

For Institute Time Clauses – Hulls 1/10/83, the commonly referred Paramount Exclusions are:

• Clause 23 – War Exclusion
• Clause 24 – Strikes Exclusion
• Clause 25 – Malicious Acts Exclusion
• Clause 26 – Nuclear Exclusion

So, even if a loss might otherwise fall within a normal H&M insured peril, it will not be recoverable under ordinary H&M if it is actually caused by one of these paramount excluded risks.