law: Marine Insurance Act, 1963 
  65. Salvage charges
  (1) Subject to any
  
  express provision in the policy, salvage charges incurred in preventing a loss
  
  by perils insured against may be recovered as a loss by those perils.
  (2) "Salvage
  
  charges" means the charges recoverable under maritime law by a salvor
  
  independently of contract. They do not include the expenses of services in the
  
  nature of salvage rendered by the assured or his agents, or any person employed
  
  for hire by them, for the purpose of averting a peril insured against. Such
  
  expenses, where properly incurred, may be recovered as particular charges or as
  
  a general average loss, according to the circumstances under which they were
  
  incurred.