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Whilst the standard Institute Cargo Clauses were adequate for most general cargoes, a practice developed over the years, whereby cargo insurers would add to, or amend, the printed wording of the clauses to conform with the special requirements of particular trades. This led to confusion between the trades and insurers because variations between the wordings agreed between some insurers and their assured differed from the wordings in policies agreed with other assured in the same trade. Thus developed special sets of wordings which became known by the generic termtrades clauses.Eventually, arrangements were made for Associations representing various trades to get together with representatives of the underwriters, in order to agree a standard set of clauses for each trade. As with the wordings, used previously, these clauses were based on the standard cargo clauses ; but with variations to meet the needs of the particular trade. These sets of clauses became known as the󰡒Institute trades clauses󰡓. Until 1982 the Institute trades clauses were based on the ICC(1963), and were designed for attachment to the SG policy form. With introduction of the MAR policy, the matter the ICC(1982) had been published. The opportunity was taken to examine the factors that were common among the trades clauses, and, although it was clear that certain sets of clauses needed separate consideration, it was found that it was possible to combine most of the requirements of a variety of trades into one acceptable set of clauses. Thus, 1983 saw the introduction of the Institute Commodity Trades Clauses.