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（五）在获悉有关运输契约中“船舶互携责任”条款的实际责任后，应及时通知保险人。
五、索赔期限
本保险索赔时效，认被保险货物在最后卸裁港全部卸离海轮后起算，最多不超过二年。
OCEAN MARINE CARGO CLAUSES
I . Scope of Cover:
This insurance is classified into the following three Conditions- Free From Particular Average (F. P. A. )， With Average (W. A. ) and All Risks. Where the goods insured hereunder sustain loss or damage ， the Company shall undertake to indemnify therefor according to the insured Condition specified in the Policy and the Provisions of these Clauses :
1. Free From Particular Average (F. P. A. )
This insurance covers :
1) Total or Constructive Total Loss of the whole consignment hereby insured caused in the course of transit by natural calamities: heavy weather， lightning， tsunami， earthquake and flood. In case a constructive total loss