law: Marine Insurance Act, 1963 
  66. General average loss
  (1) A general average
  
  loss is a loss caused by or directly consequential on a general average act. It
  
  includes a general average expenditure as well as a general average sacrifice.
  (2) There is a general
  
  average act where any extraordinary sacrifice or expenditure is voluntarily and
  
  reasonably made or incurred in time of peril for the purpose of preserving the
  
  property imperiled in the common adventure.
  (3) Where there is a general
  
  average loss, the party on whom it falls is entitled, subject to the conditions
  
  imposed by maritime law, to a rateable contribution from the other parties
  
  interested, and such contribution is called a general average contribution.
  (4) Subject to any
  
  express provision in the policy, where the assured has incurred a general
  
  average of expenditure, he may recover from the insurer in respect of the
  
  proportion of the loss which falls upon him; and in the case of a general
  
  average sacrifice, he may recover from the insurer in respect of the whole loss
  
  without having enforced his right of contribution from the other parties liable
  
  to contribute.
  (5) Subject to any
  
  express provision in the policy, where the assured has paid, or is liable to
  
  pay, a general average contribution in respect of the interest insured, he may
  
  recover therefor from the insurer.
  (6) In the absence of
  
  express stipulation, the insurer is not liable for any general average loss or
  
  contribution where the loss was not incurred for the purpose of avoiding, or in
  
  connection with the avoidance of a peril insured against.
  (7) Where ship,
  
  freight, and cargo, or any two of those interests, are owned by the same
  
  assured, the liability of the insurer in respect of general average losses or contributions
  
  to be determined as if those interests were owned by different persons.