Class 1 (Chief Engineer) Engineering Management 📅 Jul 2022

Exam Question

Explain the principle of "Causa Proxima" in Marine Insurance?

An auxiliary generator engine on your vessel has suffered damage due to engine running on low lubricating oil pressure due to contamination of the lubricating oil by water. What all actions you will take as a Chief engineer and what all reports and documents you will keep ready to submit for the marine insurance surveyor visiting your vessel to process the insurance claim?

Reference Answer

### **Part 1: The Principle of Causa Proxima in Marine Insurance**
#### **1. Definition and Core Principle**
The principle of **"Causa Proxima"** is a fundamental legal doctrine in marine insurance used to determine the cause of a loss. The full maxim is **_"Causa Proxima Non Remota Spectatur"_**, which translates to "The proximate cause, and not the remote cause, is to be considered."
In the context of an insurance claim, it means that for the loss to be covered, it must be directly and efficiently caused by a peril that is insured against under the policy. The insurer is not liable for losses where the insured peril is only a remote or indirect cause.

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