It occurs: Where part of the cargo is totally lost, e.g., non-delivery, theft, loss during loading/unloading:When the goods arrive in a damaged condition. The deciding factor for payment of partial loss is the “cause” of such loss. If such loss cause is covered by the Policy it would be payable, otherwise not.Loss, Particular Charges : An expense incurred by the insured in order to assess. prevent or minimize a loss for which underwriters are or would be liable excludes general average and salvage charges, but includes sue ad labor survey fees, forced sale charge, etc. Examples are also reconditioning charges at destination to avoid a greater partial damage claim.