28.1 This is a provision contained in many types of insurance policy. In war risks insurance, it frequently appears in connection with entry to an area for which an additional premium is chargeable by the underwriter. Generally, prior notice of entry is required in order that the premium may be agreed, the underwriter may be put on notice when the extra risk of greater danger arises and there may be certainty in the relationship between the shipowner and the underwriter. There has long been the danger that the insured ship may enter such an area without the shipowner’s knowledge; in the past this has happened because there has been an accident on board and repairs are urgent, or because sick or injured seamen have to be landed for medical treatment ashore, or because the charterer requires the Master to load or discharge at a different port. News of this may not reach the shipowner in time for prior notice to be given. To guard against the shipowner losing his insurance cover inadvertently, an extra clause is added to ensure that his insurance will continue and a typical provision is: “Or held covered at a premium to be arranged.”