8) Such proportion of losses sustained by the shipowners as is to be reimbursed by the Cargo Owner under the Contract of Affreightment Both to Blame Collision clause.
2. With Average (W. A. )
Aside from the risks covered under F. P. A. condition as above， this insurance also covers partial losses of the insured goods caused by heavy weather ， lightning， tsunami ， earthquake and/or flood.
3. All Risks
Aside from the risks covered under the F. P. A. and W. A. conditions as above， this insurance also cover all risks of loss of or damage to the insured goods whether partial or total， arising from external causes in the cause of transit.
II. Exclusions:
This insurance does not cover : .
1. Loss or damage caused by the intentional act or fault of the insured.
2. Loss or damage falling under the liability of the consignor.
