[The Adjustment of General Average per "Koombana" S.S., on a voyage to north west ports of Western Australia, insurance calculation and apportionment following grounding of Koombana at Shark Bay in March 1909, Holmes & Neill, Average Adjusters, Sydney, 18 July 1910. Battye Library Archives, 2216A, includes itemisation of cargo losses]

...

Claims for loss of and damage to Cargo throught the forced discharge.

Carnarvon Cargo

Dalgety & Company Ltd

2/3 dozen Mullett pillaged 3.8

J. Dux

81 tins Sardines pillaged 1.10.4

R. McAllister

2 Kts Carlton Ale pillaged 3.6.0

Whitlock & Company

16 bottles Penguin Ale pillaged 9.6

Onslow Cargo

R. J. Hancock

11 bottles Beer 2 bottles Sauce pillaged 9.5

...

...

Application of Claim to Policy

75,000 Insured with Company

Noon 24th December 1908.9

Institute Time Clauses

25,000 Remainder

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100,000

Steamer's Declared Value 100,000

37,500 Insured with the

South British Insurance Company Limited Adelaide Policy No. 2/53612 pays 838.18. 8

37,500 Union Insurance Society of Canton Limited Adelaide Policy No. 8/1797 pays 838.18. 8

25,000 Remainder 559. 5. 9

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100,000 (Copies of Policies before us) 2,237. 3. 1

AB notes:

From these documents is is clear that in 1909, Koombana was insured for 3/4 of her declared value of 100,000.

The insurance was not with Lloyds but with the two companies listed here. Policy numbers are cited.