10.1 The traditional SG Form of Policy scheduled to the Marine Insurance Act 1906 covered not only specific marine risks, including perils of the seas, but also numerous war-related perils including “men of war”, “enemies”, “letters of mart and countermart”, “takings at sea” and “arrests, restraints, and detainments of all kings, princes, and people”.1 During the Napoleonic Wars the practice of excluding these war risks became common2 and this practice continued into the twentieth century so that the first standard Institute Cargo Clauses, introduced on 1 August 1912, excluded war and similar perils with the following Clause:3