ABSTRACT
Forms of loss in marine insurance A loss may be total or partial. While the only total loss acknowledged in the non-marine context is an actual total loss1, in marine insurance a total loss may be an actual total loss (ATL) or a constructive total loss (CTL). Both are equally total losses2, that is, the assured is entitled to claim for a loss of the whole subject matter insured.3 The definition of actual total loss is found in section 57 of the Marine Insurance Act 1906. Constructive total loss can itself come in several forms, and section 60 defines a constructive total loss. Partial loss is referred to in section 56 as any loss other than a total loss.
