二、何謂保險契約之特約條款？保險法對於特約條款之規定為何？請舉例說明特約條款之作用。（25 分）

(二) In no case shall this insurance cover loss damage or expense arising from unseaworthiness of vessel or craft or unfitness of vessel or craft for the safe carriage of the subject-matter insured, where the Assured are privy to such unseaworthiness or unfitness, at the time the subject-matter insured is loaded therein.（13 分）