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made in the policy, insured will be self insurer and for partial losses condition of average will be applicable at time of claim. Need for marine insurance in international trade, restrictive legislation. A marine cargo open policy is the agreement between a merchant and an insurance company to insure all goods in transit falling within that agreement for an. are insured in terms of the Institute Cargo Clauses (B) (sub-clause. Subject: Marine Cargo Insurance Policy No.