Antonenko, Leonid V.Smitiukh, Andrii V.Антоненко Леонид В.Смитюх, Андрей ВладимировичАнтоненко Леонід В.Смітюх, Андрій Володимирович2015-04-102015-04-102004The Ukranian Journal of Business Low = Український журнал підприємницького праваhttps://dspace.onu.edu.ua/handle/123456789/6248The Ukranian Journal of Business Low.-2004.- Vol. 2, No. 3Аs a rule, war risks are not includ- ed in the standard policy of protection and indemnity clubs and are insured on the basis of a separate insurance policy. On the contrary, any aviation or marine insurance agreement contains a "war clause", providing that certain regions are denied insurance, as air or sea travel in these regions is extremely dangerous, thus the risk of the occurrence of insured accidents is increasing considerably. If an insurance accident occurs to an aircraft or sea vessel in one of the regions excluded from the insurance protection area, insurance indemnity is not paid even if the cause of the insured accident is not related to military opera- tions in any way.enArticle