UK P&I Club – What is P&I?

UK P&I Club – What is P&I?


Shipowners insure against loss of or damage to their ships with hull underwriters. They look to the P&I Clubs for insurance against their liabilities to others.

These include their exposure to claims for damage or compensation in respect of the following heads of cover. The following description is a ‘layman’s guide’ to the Rules of the Club and should not be treated as in any way definitive of the terms of cover provided. If you would like to see the full text of the Rules, please see Publications.

1. Personal injury to or illness or loss of life of crew members

2. Personal injury to or loss of life of stevedores

3. Personal injury to or illness or loss of life of passengers and others

4. Loss of personal effects

5. Diversion expenses

6. Life salvage

7. Collision liabilities

i. One-fourth collision liability

ii. Other risks excluded from the Running Down Clause

iii. Excess collision liability

8. Loss or damage to property other than cargo

9. Pollution

10. Towage contract liabilities

11. Liabilities under contracts and indemnities

12. Wreck liabilities

13. Cargo liabilities

14. Cargo’s proportion of general average or salvage

15. Certain expenses of salvors

16. Fines

17. Legal costs

18. “Omnibus” cover

19. Overall conditions of cover

20. Exclusion of war risks

21. Selection by shipowners of particular heads of cover and of deductibles

22. Cover for charterers

23. Additional Covers


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