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How can a shipmaster have an effect on the owner's insurance costs?

MCA Oral Exam Questions
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The more incidents which result in the owner making a claim on his insurers, the higher his deductible is likely to be when the insurance is renewed. This applies to the P&I deductible as well as the hull and machinery policydeductible. The less careful the master is when berthing, for example, the higher the deductible may be at next renewal of cover. (For questions on Hull and Machinery and P&I deductibles see Section G. )

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