law: Marine Insurance Act, 1963 
  76. Particular average warranties 
  (1) Where the
  
  subject-matter insured is warranted free from particular average, the assured
  
  cannot recover for a loss of part, other than a loss incurred by a general
  
  average sacrifice, unless the contract contained in the policy be
  
  apportionable; but, if the contract be apportionable, the assured may recover
  
  for a total loss of any apportionable part.
  (2) Where the
  
  subject-matter insured is warranted free from particular average, either wholly
  
  or under a certain percentage, the insurer is nevertheless liable for salvage
  
  charges, and for particular charges and other expenses properly incurred
  
  pursuant to the provisions of the suing and laboring clause in order to avert a
  
  loss insured against.
  (3) Unless the policy
  
  otherwise provides, where the subject-matter insured is warranted free from
  
  particular average under a specified percentage, a general average loss cannot
  
  be added to a particular average loss to make up the specified percentage.
  (4) For the purpose of
  
  ascertaining whether the specified percentage has been reached, regard shall be
  
  had only to the actual loss suffered by the subject-matter insured. Particular
  
  charges and the expenses of and incidental to ascertaining and proving the loss
  
  must be excluded.