An International Hull Clause, officially called 3/4ths Collision Liability. It extends the policy to cover threefourths of the shipowner’s legal liability to damage to other vessels, freight and their cargo, and general average where the insured vessel has collided with another vessel. Up to 3/4ths of legal costs are also payable. Settlements are on a cross-liability basis. The remaining part and other risks (e.g. loss of life) are insured in Protection and Indemnity Clubs.