What are the covers provided by the P and I club?

Following are the typical covers provided by a P and I club:

• Personal injury claims covering third party liabilities covering death or injury to crew, passenger and stevedores etc.;
• Crew claims covering repatriation;
• Collision liabilities e.g. ¼ ^th collision, excess collision, carriage of cargo after collision, risks excluded under  ¾ ^th collision liability clause;
• Fixed and floating objects claims;
• Cargo claims;
• Environmental pollution claims;
• Miscellaneous claims e.g. wreck removal, custom fines etc.;
• Freight, demurrage and defence for disputes under charter parties. Claims other than above can also be considered under the so-called ‘Omnibus Rule‘, in which the club committee has the discretion to consider deserving claims from any members at any time.