law: Marine Insurance Act, 1963 
  78. Suing and laboring clause 
  (1) Where the policy
  
  contains a suing and laboring clause, the engagement thereby entered into is
  
  deemed to be supplementary to the contract of insurance, and the assured may
  
  recover from the insurer any expenses properly incurred pursuant to the clause,
  
  notwithstanding that the insurer may have paid for a total loss, or that the
  
  subject-matter may have been warranted free from particular average, either
  
  wholly or under a certain percentage.
  (2) General average
  
  losses and contributions and salvage charges, as defined by this Act, are not
  
  recoverable under the suing and laboring clause.
  (3) Expenses incurred
  
  for the purpose of averting or diminishing any loss not covered by the policy
  
  are not recoverable under the suing and laboring clause.
  (4) It is the duty of
  
  the assured and his agents, in all cases, to take such measures as may be
  
  reasonable for the purpose of averting or minimizing a loss.