(1) Any loss attributable to the wilful misconduct of an assured (although unless the policy otherwise provides, the underwriter is liable for any loss proximately caused by a peril insured against, even though the loss would not have occurred without the misconduct or negligence of master or crew) (e. g. scuttling).
(2) Unless the policy otherwise provides, an insurer of a ship or goods is not liable for any loss proximately caused by delay, although the delay may be caused by a peril insured against, such as bad weather. (3) Unless the policy otherwise provides, an insurer is not liable for ordinary wear and tear, ordinary leakage and breakage, inherent vice or nature of the subject matter insured, or for any loss proximately caused by rats or vermin, or for any injury to machinery not proximately caused by marine perils.
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