The deductible is an excess and only the balance amount is payable. If the amount of the claim is less than the deductible, nothing is payable. A claim arises on the policy only where the aggregate of all claims arising out of each separate accident or occurrence exceeds the amount of the deductible. The deductible clause applies the policy deductible to all partial losses covered by the policy. Thus it is applied to: i. Particular Average. ii. General Average sacrifice and contribution. iii. Salvage awards and contribution to salvage awards. iv. Sue and Labour. v. Expenses incurred for services in the nature of salvage. vi. Claims under the collision liability clause including costs in relation thereto. It is however to be noted that deductible is applied only once in respect of each accident or occurrence, so any loss in relation to the above is aggregated for the purpose of applying the deductible. Deductible does not apply to: i. Total Loss and/or Constructive Total Loss. ii. An associated claim made under the Sue and Labour Clause arising from the same casualty, this means that where an expense is incurred under the Sue and Labor clause, but a total loss results despite all attempts to save he ship, the deductible is not applied to the Sue and Labour charges. Expenses of sighting the bottom after stranding shall be paid even if no damage is found. iii. The total of heavy weather damages arising during the voyage between two consecutive ports is treated as being due to one accident. Where a policy during a period of heavy weather, and a new policy applies, the deductible is assessed in proportion to the days of heavy weather applying to the respective policies during the transit. Heavy weather is deemed to include contact with the floating ice. iv. Subject to Subrogation up to the amount of claim paid.