在我看来，你前面提到的放弃免赔额条款的确起到了作用。

It seems to me that the Waiver of Excess Clause that you quote does achieve this.

youdao

在汽车险或财产险等非寿险合同中，有两类常见的保险条款：免赔额条款和赔偿限额条款。

In the auto insurance or property insurance and other non-life insurance contracts, there are two types of common insurance terms: Deductible terms and the terms of compensation limit.

youdao

但是保险公司保险单又规定了免赔额、共同保险条款、责任限额，从而使存在不当行为的董事自己承担一部分损失和费用。

Insurers often stipulate deductible amount, coinsurance clause and limit of liability in their contracts, so as to the directors and officers carry one part of the losses and costs.

youdao