It was not until 1898 that, after a general meeting of Lloyd's, it was decided that marine risks and war risks should be underwritten under separate policies. The result is that, now, war risks are excluded from standard marine policies and are provided for under separate cover. Thus, a vessel may now be insured specifically against war and strikes risks under the Institute War and Strikes Clauses Hulls (IWSC(H)(95)), Time and Voyage.1 Freight may, similarly, be insured against war and strikes risks under one policy,2 but, with cargo, insurance cover against war risks is separate from cover against strikes risks.3