Question

Name the marine clause which makes the insurer free from liability that arises due to capture and seizure of the vessel by the enemy.

Hint:

F.C. & S. = Free of Capture and Seizure = Excludes war-like risks.

Answer 1

In marine insurance, certain perils are excluded to limit the insurer’s liability for politically sensitive or war-related risks.
The Free of Capture and Seizure Clause (F.C. & S. Clause) is a standard exclusion in marine policies.
It removes the insurer’s responsibility for losses caused by hostile acts such as capture, seizure, arrest, restraint, or detainment by enemies.
The insured must buy additional war risk insurance if they wish to cover such risks.
This clause helps insurers avoid unpredictable losses during times of conflict or war.
Therefore, the marine clause that excludes liability for enemy capture and seizure is the F.C. & S. Clause.