Article 328 of the Saudi Commercial Maritime Law
المادة 328 من النظام البحري التجاري · الفصل الثاني: التأمين على السفينة
The article provides that if the insurance covers several successive voyages, the place named in the policy for the end of the last voyage is treated as where the insurer's cover ends.
Official text (Arabic)
This article has not been amended since the law was issued.
إذا شمل التأمين عدة رحلات متعاقبة عُدّ المكان المعين في وثيقة التأمين لانتهاء الرحلة الأخيرة مكان انتهاء سريان ضمان المؤمِّن.
This is the official Arabic wording, the only legally binding version. We do not translate the law itself; the explanation below is ours. Official source: Bureau of Experts at the Council of Ministers
Article 328 explained in plain English
This article completes the provisions on ship insurance by dealing with the case of insurance for several successive voyages and stating where the insurer's cover ends.
The rule: the place named in the insurance policy for the end of the last voyage is treated as the place where the insurer's cover ends.
This means cover does not end at the end of each voyage separately, but extends across all the successive voyages until the place the policy names for the end of the last voyage. Precision in naming this place in the policy is therefore important.
The article does not address the case where this place is not named in the policy.
Article 327 sets the period of cover in voyage insurance, from the start of loading until unloading is finished, with a maximum of fifteen days from the ship's arrival and the master's declaration that it is ready to unload. Article 329 regulates insurance for a fixed period: cover includes risks from the first day to the end of the last day, and the day is counted as twenty-four hours starting from the hour the contract is concluded, by the time at the place where it was concluded.
Practical example
A shipping company insures its ship for three successive voyages, and the policy names the port of Jeddah as the place where the last voyage ends. The insurer's cover remains in force across the three voyages and ends at the port of Jeddah at the end of the last voyage.
Translated from our Arabic explanation with machine assistance. For guidance only; it does not replace advice from a lawyer on your situation.
How we write and review contentCommercial & Corporate Law lawyers: ask a specialist about your case
Describe your situation briefly and we'll suggest a lawyer who specialises in this law
Commercial & Corporate Law lawyers
Lawyers who handle this kind of case
Ibrahim Al Salem Law Firm
Active contributor
Dr. Ali Al-Rubaie Law Office and Ittihad Al-Asr Legal Company
Frequently asked questions about Article 328 of the Saudi Commercial Maritime Law
When does insurance end if it covers several voyages?
The place named in the insurance policy for the end of the last voyage is treated as the place where the insurer's cover ends.
Does cover end after each voyage?
The article makes the end of cover the place where the last voyage ends, as named in the policy.
More articles on Marine Insurance
- Article 139
Ships carrying the Kingdom's nationality are not permitted to sail to areas dominated by the dangers of war, piracy or armed robbery until proof of insurance of their crew against these dangers is provided.
لا يصرح للسفن التي تحمل جنسية المملكة بالسفر إلى المناطق التي تغلب عليها أخطار الحرب, أو أعمال القرصنة أو السطو المسلح, إلا بعد تقديم مالكها أو مجهزها أو مستأجر
- Article 215
Any agreement made before the incident that exempts the carrier from liability for loss of or damage to the goods, alters the burden of proof placed on him, or assigns to him the rights arising from cargo insurance is void.
يقع باطلاً كل اتفاق يتم قبل وقوع الحادث الذي نشأ عنه الضرر, ويكون موضوعه أحد الأمور الآتية: 1- إعفاء الناقل من المسؤولية عن هلاك البضائع أو تلفها. 2- تعديل عبء
- Article 236
The carrier must hold insurance or a guarantee from a recognized body covering its liability for death and bodily injury, and the injured party may claim directly against the insurer or guarantor.
يجب أن يكون لدى الناقل تأمين أو ضمان من جهة معترف بها، لتغطية مسؤوليته عن الوفاة والإصابات البدنية. وفي هذه الحالة يجوز للمتضرر الرجوع المباشر على المؤمن أو الض
- Article 293
The article provides that the maritime insurance provisions apply to an insurance contract covering maritime risks, without prejudice to the Law on Supervision of Cooperative Insurance Companies.
دون إخلال بالأحكام الواردة في نظام مراقبة شركات التأمين التعاوني, تسري أحكام هذا الباب على عقد التأمين الذي يكون موضوعه تغطية الأخطار البحرية.
- Article 294
The article requires a maritime insurance contract and any change to it to be proved in writing, sets the particulars of the insurance policy, and makes a provisional policy binding on both parties until the final policy is issued.
1- لا يثبت عقد التأمين وكل ما يطرأ عليه إلاَّ بالكتابة. 2- يصدر بموجب عقد التأمين وثيقة تأمين تتضمن البيانات الآتية: أ- تاريخ عقد التأمين ومكانه. ب- اسم المؤمِّ
- Article 295
The article allows a maritime insurance policy to be issued in the name of the insured, to his order or to bearer, and gives its lawful holder the right to claim compensation, subject to the insurer's defenses against the insured.
1- تكون وثيقة التأمين باسم المؤمن له أو لأمره، أو لحاملها. 2- يكون لحامل الوثيقة الشرعي الحق في المطالبة بالتعويض, وللمؤمِّن أن يحتج في مواجهته بالدفوع التي يجو
The texts are reproduced from the official website of the Bureau of Experts at the Council of Ministers for reference; where they differ, the officially published Arabic text prevails. This content is not legal advice.