Standard clauses that are used with the MAR 91 form. IHC reflects current practices, the increased importance of the International Safety Management Code, flag states and classificiation societies in connection with ship safety. The pollution hazard clause has been extended. The new clauses emphasise the consequences of breaching policy conditions. Part 1 sets out the Principal Insuring Conditions, Part 2 sets out additional frequently required clauses including Clauses 40 to 44 (4/4ths collision liability, fixed and floating objects, returns for lay up, general average absorption and additional perils otherwise excluded in Part 1) only apply when agreed by the underwriter. Part 3 contains claims provisions.