Section 210(1) in The Navy (Pay And Allowances) Regulations, 1966
(1)If any article of equipment, clothing (including personal clothing), books, instruments, tools or accessories, being the personal property of a sailor is lost, damaged or destroyed under circumstances mentioned below, the Government shall be liable to pay compensation to the sailor provided the loss, damage or destruction was not due to the negligence on part of the claimant.(i)When the loss, damage or destruction is caused by the action of the enemy or insurgents;(ii)When the loss, damage or destruction is due to an accident occurring when the individual was travelling by road, river, rail, sea or air on duty;(iii)When the articles are lost, damaged or destroyed in a Naval Ship or a Government building whether owned, hired or rented, or in a tent in use under proper authority and for a recognised service purpose provided the individual had no option but to live in such accommodation for the performance of his duties;(iv)When the articles are lost, damaged or destroyed while in transit by rail, road, air, river or sea provided they were in the charge and custody of Government at that time;(v)When the articles are destroyed under the orders of the competent authority;(vi)When the articles are lost, damaged or destroyed during the performance of duty.