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Usually salvage charges can be recovered from the general average.
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If the insured has insured the subject-matter on the basis of All Risks, any loss caused by rain will be indemnified.
A bank will not accept a cover note.
All Risks cover literally all risks of physical loss or damage from an external cause, including war, strikes, riots seizure or detention.
The term CIF under Incoterms 2020 requires the seller to procure insurance for the buyer, but only minimum coverage.
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