선박보험약관은 보험자와 보험계약자에게 있어서 매우 중요하다. 양자 간의 다툼이 발생하면 선박보험약관은 양자의 다툼을 해결하는 기준이 된다. 본 연구는 1983, 1995 ITCH, 2002, 2003 IHC, 한국해운조합의 선박공제보통약관과 선주배상책임공제보통약관 중에서 담보위험약관, 담보약관, 면책위험약관, 3/4충돌배상약관을 중심으로 비교 연구하여 어떤 내용이 보험자와 보험계약자에게 유리한지 분석하였다. 현재 선박보험약관은 대부분 보험자가 작성하여 보험계약자에게 교부하고 있다. 보험계약자는 약관의 어떤 내용이 자기에게 유리하고 불리한지를 알지 못하고 선박보험증권을 인수하여 왔다. 담보위험약관은 절대적 담보위험과 상대적 담보위험을 기준으로 보험자와 보험계약자에게 유리한지 아니면 불리한지를 판단하였다. 2003 IHC의 담보위험과 담보위반, 3/4충돌배상책임이 보험계약자에게 유리하게 되어 있고 2003 IHC의 면책위험은 보험자에게 유리하게 되어 있다.

The Institute Time Clause-Hulls of 1983 had been used as the standardized clause of insurance for hull insurance for 20 years until 2003. International Hulls Clauses of 2003 had been made by The Joint Hull Committee, Korean Shipping Association were established in 1949 used Ship Mutual Insurance Clauses. The ITCH of 1983, IHC of 2003, Korean Shipping Association’s Ship Mutual Insurance Clauses covers risks covered except as excluded by the provisions of Clauses 4, 5, 6, and 7. The risks covered have been divided the loss and damage has not resulted from want of due diligence by the Assured, Owners or Managers and the loss and damage has resulted from want of due diligence by the Assured, Owners or Managers by The ITCH of 1983, IHC of 2003, Korean Shipping Association’s Ship Mutual Insurance Clauses. Stores or parts have been covered by IHC of 2003. Stores or parts have been not covered by ITCH of 1983, Korean Shipping Association’s Ship Mutual Insurance Clauses. IHC of 2003 does not cover any of the costs of correcting the latent defect, the use of any weapon or the detonation of explosive any person acting maliciously or from a political motive. ITCH of 1983, Korean Shipping Association’s Ship Mutual Insurance Clauses does not cover any weapon of war caused by any person acting maliciously or from a political motive.