Nh vy, tu thng b vng hay mc cn theo con nc c tnh cht nh k ( nm cn) th khng th gi l tai nn bt ng.

Do trong b cc iu khon bo him 1963 nh bo him khng chu bi thng cho nhng tn tht do nm cn gy ra. Tuy nhin, trong b nhng iu khon bo him mi sau ny(1982), phm vi trch nhim ca ngi bo him c mc cn v nm cn. Ri ro tu b mt tch l mt ri ro ng bin, c bo him trong tt c cc iu kin abor him c (1963) v mi (1982). Trong b cc iu khon bo him 1963 th ri ro sng cun c bo him trong tt c 3 iu kin FPA, WA, AR. Nhng trong b iu khon bo him 1982 th ri ro do sng cun xung bin ch c bo him theo iu kin ICC(B) v ICC(A), khng c bo him theo iu kin ICC(C). Cng cn ghi nhn rng ngi c bo him phi chng minh hng ho tht s b cun xung bin ch khng phi rt mt khi tu (Not Simply Lost Overboard) v ri ro ny khng c m rng bo him hng trn boong b mt do rt xung bin khi tu lc trong chuyn ng. Trong b cc iu khon bo him c 1963 th nhng hnh ng phi php ca thuyn trng v thy th c bo him trong c 3 iu kin bo him. Trong b cc iu khon bo him mi 1982 th ri ro ny ch c bo him trong iu khon bo him cao nht l iu kin ICC(A) Trc y b cc iu khon bo him 1963 khng bo him ri ro cp bin c coi nh l ri ro chin tranh nn phi mua bo him ring . Nhng trong b cc iu khon bo him 1982 th ri ro cp bin c quy nh trong n bo him nhng ch iu kin bo him ICC(A).