The H&M Policy expires at a predetermined time and date, irrespective of the location, situation or conation of the ship. At the time the ship may be (i) between ports (ii) in peril (iii) in damaged condition. It may not be easy to arrange renewal of the insurance until the ship arrives at her destination. For this he must give prior notice to the underwriter and pay an additional premium or pro-rata monthly basis. Continuation is not automatic. The insured must take positive action to obtain the benefit of the clause and such action must be taken before the policy’s natural expiry.