law: Marine Insurance Act, 1963 
  55. Included and excluded losses
  (1) Subject to the provisions
  
  of this Act, and unless the policy otherwise provides, the insurer is liable
  
  for any loss proximately caused by a peril insured against, but, subject as
  
  aforesaid, he is not liable for any loss which is not proximately caused by a
  
  peril insured against.
  (2) In particular-
  (a) the insurer is not liable for any loss
  
  attributable to the willful misconduct of the assured, but, unless the policy
  
  otherwise provides, he is liable for any loss proximately caused by a peril
  
  insured against, even though the loss would not have happened but for the
  
  misconduct or negligence of the master or crew;
  (b) unless the policy otherwise provides, the
  
  insurer on ship or goods is not liable for any loss proximately caused by
  
  although the delay be caused by a peril insured against;
  (c) unless the policy otherwise provides, the
  
  insurer is not liable for ordinary wear and tear, ordinary leakage and
  
  breakage, inherent vice or nature of the subject-matter insured, or for any
  
  loss proximately caused by rats or vermin, or for any injury to machinery not
  
  proximately caused by maritime perils.