Under which circumstances would a ship's owner typically add War Risk coverage, and how does it affect the premium?

• A. When routes pass through war zones; premiums rise with risk level.
• B. When routes pass through war zones or piracy areas; premiums rise with risk level and may include special clauses; lenders may require.
• C. It is always waived by lenders.
• D. Premiums decrease as risk increases.

Answer: (B)