英国1906年海上保险法(doc 25)
英国1906年海上保险法(doc 25)
英国1906年海上保险法1906年发布,1907年1月1日实施)第一条海上保险契约，系保险人向被保险人允诺，于被保险人承受海上损害，即海事冒验所发生之损害时，应依约定之条款及数额负责抵偿之契约。
第二条(一)海上保险契约得因明订条款，或商业习惯，扩展其范围，凡被保险人与海程有关之内河或陆地危险均得受该契约之保障。
(二)船舶在建造中，鄙人水时或在其他类似海事冒险时，凡投保海上保险者，本法在可能范围内均应适用，但除本条所规定者外，对于海上保险以外之保险法律不发生影响。
第三条(一)所有海事冒险，均得依本法之规定，订立海上保险契约。
(二)以下各款均属海事冒险情节。
甲、船舶货物或其他动产有承受海上危险可能者，是项财富在本法即称为“受保财富〞。
乙、收益、运费、客票、佣金、利得、或其他金钱利益或垫款，借贷，或日用开支等项，因“受保财富〞承受海上危险可能发生影响者。
丙、“受保财富〞之所有人，利书关系人或负责人，因海上危险对第三者发生抵偿责任可能者。
海上危险指称因航海所发生之一切危险，例如海难、火烧、兵灾海盗、地痞、窃盗、捕捉、拘捕、禁止以及君王人民之扣押，投弃，船员成心行为，或其他保险所注明之危险。
保险利益(一)以赌钱为目的而订立之海上保险契约，应为无效。
(二)凡海上保险契约，有以下情节者应认为赌钱契约：甲、被保险人无本法规定之保险利益者；或在订约时，无取得是项利益之但愿者。
乙、保险契约订有以下或其他类订条款者，例如“无论有无短长关系〞，“除本契约外无须再证明其他短长关系〞，“保险人并无捞救利益〞。
但因捞救无望而于契约内载有是项注明者不在此限。
第五条(一)凡与海事冒险发生利益关系之人，均得依本法之规定认为有保险利益。
(二) 凡对于海事冒险或受保财富，立于法律上或短长上，关系地位之人，于该受保财富安然时，或按期达到时，即蒙利益，于发生损掉时，或扣押时，即发生损害或抵偿，即称为短长关系人。
第六条(一)在保险契约订立时，被保人对于标的物固无发生利益关系之必要，但在标的物发生灭掉时，被保险人必需享有保险利益。
英国年海上保险法
英国年海上保险法英国年海上保险法是英国国会于1906年颁布的一项法律，也被称为《1906年海上保险法》。
这个法律是对英国海商业和海运业做出的一次重大改革，其中一个主要特点是创建了一个强制性的船级社会，所以也被称为“船级社会法”。
该法规定了海上保险的标准条款，包括豁免条款、丧失条款和不利陈述条款等。
豁免条款是指对保险责任的限制，例如在自然灾害或政治事件的情况下保险人有权不承担赔偿责任。
丧失条款则是指保险公司必须在航行过程中的特定时间内获得通知，否则他们不会对出现的任何丧失承担责任。
不利陈述条款则用于防止投保人对船舶和货物的价值进行蓄意低估的情况。
英国年海上保险法还规定了船只和货物的保险是强制的。
该法规定了船级社会的成立和经营，其中，船级社会是一个独立的机构，其职责是对海船进行检验并发放船级证书，做为船舶保险的标准。
如果一艘船没有符合标准的船级证书，那么它就不能得到保险。
对于货物，该法规定了一种类似于“公平合理仓收据”的协议。
这部法律的实施标志着保险行业和海事业的重大改革。
它使保险人和航运业者之间的关系更加明确和透明，保护了双方的合法权益。
同时，它也促进了英国海上保险和海运业的发展。
该法律不但为英国的海洋产业带来了广泛的变化，同时也为其他国家的海运技术和保险规范做出了重要的贡献。
然而，随着时间的推移及保险技术的进步，法律已经无法完全适应保险和航运产业的发展，因此，在后来的几十年里，英国政府对该法进行了数次修订和更新，以适应海事和保险等领域的新挑战和新需求。
总而言之，英国年海上保险法的制定标志了英国海运业和保险业的现代化。
它为海上保险和船舶的安全提供了更加明确和广泛的保障。
此外，这项法律也是一次重要的制度创新，为海洋经济发展带来了重要的推动。
1906英国海上保险法(中英文对照版)
1906英国海上保险法(中英文对照版).txt我的人生有A 面也有B面，你的人生有S面也有B 面。
失败不可怕，关键看是不是成功他妈。
现在的大学生太没素质了！过来拷毛片，居然用剪切！有空学风水去，死后占个好墓也算弥补了生前买不起好房的遗憾。
1906海上保险法海上保险（Marine Insurance）第1条：海上保险的定义（Marine insurance defined）A contract of marine insurance is a contract whereby the insurer undertakes to indemnify the assured, in manner and to the extent thereby agreed, against marine losses, that is to say, the losses incident to marine adventure.海上保险合同，是一种保险人按照约定的方式和范围，对与海上冒险有关的海上灭失，向被保险人承担赔偿责任的合同。
第2条海陆混合风险（Mixed sea and land risks）2.(1) A contract of marine insurance may, by its express terms, or by a usage of trade, be extended so as to protectthe assured against losses on inland water or on any land risk which may be incidental to any sea voyage.(2) Where a ship in course of building, or the launch of a ship, or any adventure analogous to a marine adventure, iscovered by a policy in the form of a marine policy, theprovisions of this Act, in so far as applicable, shall apply thereto；but, except by this section provided, nothing in this Act shall alter or affect any rule of law applicable to anycontract of insurance other than a contract of marineinsurance as by this Act defined.(1)海上保险合同，得用明示条款或经由某种贸易习惯，扩展保障被保险人在与海上航程有关的内河或任何陆地风险中的损失。
英国1906年海上保险法
英国1906年海上保险法文档来源：保险所属分类：国外法律原文时间：2003-11-15 12:50（一九０六年）第一条海上保险契约，系保险人向被保险人允诺，于被保险人蒙受海上损害，即海事冒验所发生之损害时，应依约定之条款及数额负责赔偿之契约。
第二条（一）海上保险契约得因明订条款，或商业习惯，扩展其范围，凡被保险人与海程有关之内河或陆地危险均得受该契约之保障。
（二）船舶在建造中，在下水时或在其他类似海事冒险时，凡投保海上保险者，本法在可能范围内均应适用，但除本条所规定者外，对于海上保险以外之保险法律不发生影响。
第三条（一）所有海事冒险，均得依本法之规定，订立海上保险契约。
（二）下列各款均属海事冒险情节。
甲、船舶货物或其他动产有蒙受海上危险可能者，是项财产在本法即称为“受保财产”。
乙、收益、运费、客票、佣金、利得、或其他金钱利益或垫款，借贷，或日用开支等项，因“受保财产”蒙受海上危险可能发生影响者。
丙、“受保财产”之所有人，利书关系人或负责人，因海上危险对第三者发生赔偿责任可能者。
海上危险指称因航海所发生之一切危险，例如海难、火烧、兵灾海盗、流氓、窃盗、捕获、拘捕、禁止以及君王人民之扣押，投弃，船员故意行为，或其他保险契约所注明之危险。
保险利益第四条（一）以赌博为目的而订立之海上保险契约，应为无效。
（二）凡海上保险契约，有下列情节者应认为赌博契约：甲、被保险人无本法规定之保险利益者；或在订约时，无取得是项利益之希望者。
乙、保险契约订有下列或其他类订条款者，例如“无论有无利害关系”，“除本契约外无须再证明其他利害关系”，“保险人并无捞救利益”。
但因捞救无望而于契约内载有是项注明者不在此限。
第五条（一）凡与海事冒险发生利益关系之人，均得依本法之规定认为有保险利益。
（二）凡对于海事冒险或受保财产，立于法律上或利害上，关系地位之人，于该受保财产安全时，或按期到达时，即蒙利益，于发生损失时，或扣押时，即发生损害或赔偿，即称为利害关系人。
(英文版)1906年英国海上保险法
Marine Insurance1. MARINE INSURANCE DEFINEDA contract of marine insurance is a contract whereby the insurer undertakes to indemnify the assured, in manner and to the extent thereby by agreed, against marine losses, that is to say, the losses incident to marine adventure.2. MIXED SEA AND LAND RISKS1. A contract of marine insurance may, by its express terms, or by usage of trade, beextended so as to protect the assured against losses on inland waters or on any land riskwhich may be incidental to any sea voyage.2.Where a ship in course of building, or the launch of a ship, or any adventure analogous toa marine adventure, is covered by a policy in the form of a marine policy, the provisionsof this Act, in so far as applicable, shall apply thereto; but, except as by this sectionprovided, nothing in this Act shall alter or affect any rule of law applicable to anycontract of insurance other than a contract of marine insurance as by this Act defined.3. MARINE ADVENTURE AND MARITIME PERILS DEFINED1.Subject to the provisions of this Act, every lawful marine adventure may be the subject ofa contract of marine insurance.2.In particular there is a marine adventure where—a.Any ship, goods or other moveables are exposed to maritime perils. Suchproperty is in this Act referred to as "insurable property";b.The earning or acquisition of any freight, passage money, commission, profit, orother pecuniary benefit, or the security for any advances, loan, or disbursements,is endangered by the exposure of insurable property to maritime perils;c.Any liability to a third party may be incurred by the owner of, or other personinterested in or responsible for, insurable property, by reason of maritime perils."Maritime perils" means the perils consequent on, or incidental to, the navigationof the sea, that is to say, perils of the sea, fire, war perils, pirates, rovers, thieves,captures, seizures, restraints, and detainments of princes and peoples, jettisons,barratry, and any other perils, either of the like kind or which may be designatedby the policy.Insurable Interest4. AVOIDANCE OF WAGERING OR GAMING CONTRACTS1.Every contract of marine insurance by way of gaming or wagering is void.2. A contract of marine insurance is deemed to be a gaming or wagering contract—a.Where the assured has not an insurable interest as defined by this Act, and thecontract is entered into with no expectation of acquiring such an interest; orb.Where the policy is made "interest or no interest", or "without further proof ofinterest than the policy itself", or "without benefit of salvage to the insurer", orsubject to any other like termProvided that, where there is no possibility of salvage, a policy may be effectedwithout benefit of salvage to the insurer.5. INSURABLE INTEREST DEFINED1.Subject to the provisions of this Act, every person has an insurable interest who isinterested in a marine adventure.2.In particular a person is interested in a marine adventure where he stands in any legal orequitable relation to the adventure or to any insurable property at risk therein, inconsequence of which he may benefit by the safety or due arrival of insurable property, or may be prejudiced by its loss, or damage thereto, or by the detention thereof, or may incur liability in respect thereof.6. WHEN INTEREST MUST ATTACH1.The assured must be interested in the subject-matter insured at the time of the loss thoughhe need not be interested when the insurance is effected:Provided that where the subject-matter is insured "lost or not lost", the assured mayrecover although he may not have acquired his interest until after the loss, unless at thetime of effecting the contract of insurance the assured was aware of the loss, and theinsurer was not.2.Where the assured has no interest at the time of the loss, he cannot acquire interest by anyact or election after he is aware of the loss.7. DEFEASIBLE OR CONTINGENT INTEREST1. A defeasible interest is insurable, as also is a contingent interest.2.In particular, where the buyer of goods has insured them, he has an insurable interest,notwithstanding that he might, at his election, have rejected the goods, or have treatedthem as at the seller’s risk, by reason of the latter’s delay in making delivery or otherwise.8. PARTIAL INTERESTA partial interest of any nature is insurable.9. RE-INSURANCE1.The insurer under a contract of marine insurance has an insurable interest in his risk, andmay re-insure in respect of it.2.Unless the policy otherwise provides, the original assured has no right or interest inrespect of such re-insurance.10. BOTTOMRYThe lender of money on bottomry or respondentia has an insurable interest in respect of the loan.11. MASTER'S AND SEAMEN'S WAGESThe master or any member of the crew of a ship has an insurable interest in respect of his wages.12. ADVANCE FREIGHTIn the case of advance freight, the person advancing the freight has an insurable interest, in so far as such freight is not repayable in case of loss.13. CHARGES OF INSURANCEThe assured has an insurable interest in the charges of any insurance which he may effect.14. QUANTUM OF INTEREST1.Where the subject-matter insured is mortgaged, the mortgagor has an insurable interest inthe full value thereof, and the mortgagee has an insurable interest in respect of any sumdue or to become due under the mortgage.2. A mortgagee, consignee, or other person having an interest in the subject-matter insuredmay insure on behalf and for the benefit of other persons interested as well as for his own benefit.3.The owner of insurable property has an insurable interest in respect of the full valuethereof, notwithstanding that some third person may have agreed, or be liable, toindemnify him in case of loss.15. ASSIGNMENT OF INTERESTWhere the assured assigns or otherwise parts with his interest in the subject-matter insured, he does not thereby transfer to the assignee his rights under the contract of insurance, unless there be an express or implied agreement with the assignee to that effect.But the provisions of this section do not affect a transmission of interest by operation of law.Insurable Value16. MEASURE OF INSURABLE VALUESubject to any express provision or valuation in the policy, the insurable value of the subject-matter insured must be ascertained as follows—1.In insurance on ship, the insurable value is the value, at the commencement of the risk, ofthe ship, including her outfit, provisions and stores for the officers and crew, moneyadvanced for seamen’s wages, and other disbursements (if any) incurred to make the ship fit for the voyage or adventure contemplated by the policy, plus the charges of insuranceupon the whole;The insurable value, in the case of a steamship, includes also the machinery, boilers, andcoals and engine stores if owned by the assured, and, in the case of a ship engaged in aspecial trade, the ordinary fittings requisite for that trade;2.In insurance on freight, whether paid in advance or otherwise, the insurance value is thegross amount of the freight at the risk of the assured, plus the charges of insurance;3.In insurance on goods or merchandise, the insurable value is the prime cost of theproperty insured, plus the expenses of and incidental to shipping and the charges ofinsurance upon the whole;4.In insurance on any other subject-matter, the insurable value is the amount at the risk ofthe assured when the policy attaches, plus the charges of insurance.Disclosure And Representations17. INSURANCE IS UBERRIMAE FIDEIA contract of marine insurance is a contract based upon the utmost good faith, and, if the utmost good faith be not observed by either party, the contract may be avoided by the other party.18. DISCLOSURE BY ASSURED1.Subject to the provisions of this section, the assured must disclose to the insurer, beforethe contract is concluded, every material circumstance which is known to the assured, and the assured is deemed to know every circumstance which, in the ordinary course ofbusiness, ought to be known by him. If the assured fails to make such disclosure, theinsurer may avoid the contract.2.Every circumstance is material which would influence the judgment of a prudent insurerin fixing the premium, or determining whether he will take the risk.3.In the absence of inquiry the following circumstances need not be disclosed, namely:—a.Any circumstance which diminishes the risk;b.Any circumstance which is known or presumed to be known to the insurer. Theinsurer is presumed to know matters of common notoriety or knowledge, andmatters which an insurer in the ordinary course of his business, as such, ought toknow;c.Any circumstance as to which information is waived by the insurer;d.Any circumstance which it is superfluous to disclose by reason of any express orimplied warranty.4.Whether any particular circumstance, which is not disclosed, be material or not is, in eachcase, a question of fact.5.The term "circumstance" includes any communication made to, or information receivedby, the assured.19. DISCLOSURE BY AGENT EFFECTING INSURANCESubject to the provisions of the preceding section as to circumstances which need not be disclosed, where an insurance is effected for the assured by an agent, the agent must disclose to the insurer—a.Every material circumstance which is known to himself, and an agent toinsure is deemed to know every circumstance which in the ordinarycourse of business ought to be known by, or to have been communicatedto, him; andb.Every material circumstance which the assured is bound to disclose, unlessit come to his knowledge too late to communicate it to the agent.20. REPRESENTATIONS PENDING NEGOTIATION OF CONTRACT1.Every material representation made by the assured or his agent to the insurer during thenegotiations for the contract, and before the contract is concluded, must be true. If it beuntrue the insurer may avoid the contract.2. A representation is material which would influence the judgment of a prudent insurer infixing the premium, or determining whether he will take the risk.3. A representation may be either a representation as to a matter of fact, or as to a matter ofexpectation or belief.4. A representation as to matter of fact is true, if it be substantially correct, that is to say, ifthe difference between what is represented and what is actually correct would not beconsidered material by a prudent insurer.5. A representation as to a matter of expectation or belief is true if it be made in good faith.6. A representation may be withdrawn or corrected before the contract is concluded.7.Whether a particular representation be material or not is, in each ease, a question of fact.21. WHEN CONTRACT IS DEEMED TO BE CONCLUDEDA contract of marine insurance is deemed to be concluded when the proposal of the assured is accepted by the insurer, whether the policy be then issued or not; and, for the purpose of showing when the proposal was accepted, reference may be made to the slip or covering note or other customary memorandum of the contract, [although it be stamped].NOTE:[Words in italics] deleted by the Finance Act 1959, s 37(5), Sch 8, Pt II.22. CONTRACT MUST BE ENBODIED IN POLICYSubject to the provisions of any statute, a contract of marine insurance is inadmissible in evidence unless it is embodied in a marine policy in accordance with this Act. The policy may be executed and issued either at the time when the contract is concluded, or afterwards.23. WHAT POLICY MUST SPECIFYA Marine policy must specify—1.The name of the assured, or of some person who effects the insurance on his behalf:2.The subject-matter insured and the risk insured against;3.The voyage, or period of time, or both , as the case may be, cover3ed by the insurance;4.The sum or sums insured;5.The name or names of the insurers.NOTE:Sub-ss (2)–(5): repealed by the Finance Act 1959, ss 30(5), (7), 37(5), Sch 8, PtII.24. SIGNATURE OF INSURER1. A marine policy must be signed by or on behalf of the insurer, provided that in the case ofa corporation the corporate seal may be sufficient, but nothing in this section shall beconstrued as requiring the subscription of a corporation to be under seal.2.Where a policy is subscribed by or on behalf of two or more insurers, each subscription,unless the contrary be expressed, constitutes a distinct contract with the assured.25. VOYAGE AND TIME POLICIES1.Where the contract is to insure the subject-matter "at and from", or from one place toanother or others, the policy is called a "voyage policy", and where the contract is toinsure the subject-matter for a definite period of time the policy is called a "time policy".A contract for both voyage and time may be included in the same policy.2.Subject to the provisions of s 11 of the Finance Act, 1901, a time policy which is made forany time exceeding 12 months is invalid.NOTE:Sub-s (2): repealed by the Finance Act 1959, ss 30(5), (7), 37(5), Sch 8, Pt II.26. DESIGNATION OF SUBJECT-MATTER1.The subject-matter insured must be designated in a marine policy with reasonablecertainty.2.The nature and extent of the interest of the assured in the subject-matter insured need notbe specified in the policy.3.Where the policy designates the subject-matter insured in general terms, it shall beconstrued to apply to the interest intended by the assured to be covered.4.In the application of this section regard shall be had to any usage regulating thedesignation of the subject-matter insured.27. VALUED POLICY1. A policy may be either valued or unvalued.2. A valued policy is a policy which specifies the agreed value of the subject-matter insured.3.Subject to the provisions of this Act, and in the absence of fraud, the value fixed by thepolicy is, as between the insurer and assured, conclusive of the insurable value of thesubject intended to be insured, whether the loss be total or partial.4.Unless the policy otherwise provides, the value fixed by the policy is not conclusive forthe purpose of determining whether there has been a constructive total loss.28. UNVALUED POLICYAn unvalued policy is a policy which does not specify the value of the subject-matter insured, but, subject to the limit of the sum insured, leaves the insurable value to be subsequently ascertained,in the manner hereinbefore specified.29. FLOATING POLICY BY SHIP OR SHIPS1. A floating policy is a policy which describes the insurance in general terms, and leavesthe name of the ship or ships and other particulars to be defined by subsequent declaration.2.The subsequent declaration or declarations may be made by indorsement on the policy, orin other customary manner.3.Unless the policy otherwise provides, the declarations must be made in the order ofdispatch or shipment. They must, in the case of goods, comprise all consignments withinthe terms of the policy, and the value of the goods or other property must be honestlystated, but an omission or erroneous declaration may be rectified even after loss or arrival, provided the omission or declaration was made in good faith.4.Unless the policy otherwise provides, where a declaration of value is not made until afternotice of loss or arrival, the policy must be treated as an unvalued policy as regards thesubject-matter of that declaration.30. CONSTRUCTION OF TERMS IN POLICY1. A policy may be in the form in the First Schedule of this Act.2.Subject to the provisions of this Act, and unless the context of the policy otherwiserequires, the terms and expressions mentioned in the First Schedule to this Act shall beconstrued as having the scope and meaning in that schedule assigned to them.31. PREMIUM TO BE ARRANGED1.Where an insurance is effected at a premium to be arranged, and no arrangement is made,a reasonable premium is payable.2.Where an insurance is effected on the terms that an additional premium is to be arrangedin a given event, and that event happens but no arrangement is made, then a reasonableadditional premium is payable.Double Insurance32. DOUBLE INSURANCE1.Where two or more policies are effected by or on behalf of the assured on the sameadventure and interest or any part thereof, and the sums insured exceed the indemnityallowed by this Act, the assured is said to be over-insured by double insurance.2.Where the assured is over-insured by double insurance—a.The assured, unless the policy otherwise provides, may claim payment from theinsurers in such order as he may think fit, provided that he is not entitled toreceive any sum in excess of the indemnity allowed by this Act;b.Where the policy under which the assured claims is a valued policy, the assuredmust give credit as against the valuation for any sum received by him under anyother policy without regard to the actual value of the subject-matter insured;c.Where the policy under which the assured claims is an unvalued policy he mustgive credit, as against the full insurable value, for any sum received by him underany other policy;d.Where the assured receives any sum in excess of the indemnity allowed by thisAct, he is deemed to hold such sum in trust for the insurers, according to theirright of contribution among themselves.Warranties, Etc.33. NATURE OF WARRANTY1. A warranty, in the following sections relating to warranties, means a promissory warranty,that is to say, a warranty by which the assured undertakes that some particular thing shallor shall not be done, or that some condition shall be fulfilled, or whereby he affirms ornegatives the existence of a particular state of facts.2. A warranty may be express or implied.3. A warranty, as above defined, is a condition which must be exactly complied with,whether it be material to the risk or not. If it be not so complied with, then, subject to anyexpress provision in the policy, the insurer is discharged from liability as from the date of the breach of warranty, but without prejudice to any liability incurred by him before thatdate.34. WHEN BREACH OF WARRANTY EXCUSED1.Non-compliance with a warranty is excused when, by reason of a change ofcircumstances, the warranty ceases to be applicable to the circumstances of the contract,or when compliance with the warranty is rendered unlawful by any subsequent law.2.Where a warranty is broken, the assured cannot avail himself of the defence that thebreach has been remedied, and the warranty complied with, before loss.3. A breach of warranty may be waived by the insurer.35. EXPRESS WARRANTIES1.An express warranty may be in any form of words from which the intention to warrant isto be inferred.2.An express warranty must be included in, or written upon, the policy, or must becontained in some document incorporated by reference into the policy.3.An express warranty does not exclude an implied warranty, unless it be inconsistenttherewith.36. WARRANTY OF NEUTRALITY1.Where insurable property, whether ship or goods, is expressly warranted neutral, there isan implied condition that the property shall have a neutral character at the commencement of the risk, and that, so far as the assured can control the matter, its neutral character shall be preserved during the risk.2.Where a ship is expressly warranted "neutral" there is also an implied condition that, sofar as the assured can control the matter, she shall be properly documented, that is to say, that she shall carry the necessary papers to establish her neutrality, and that she shall notfalsify or suppress her papers, or use simulated papers. If any loss occurs through breachof this condition, the insurer may avoid the contract.37. NO IMPLIED WARRANTY OF NATIONALITYThere is no implied warranty as to the nationality of a ship, or that her nationality shall not be changed during the risk.38. WARRANTY OF GOOD SAFETYWhere the subject-matter insured is warranted "well" or "in good safety" on a particular day, it is sufficient if it be safe at any time during that day.39. WARRANTY OF SEAWORTHINESS OF SHIP1.In a voyage policy there is an implied warranty that at the commencement of the voyagethe ship shall be seaworthy for the purpose of the particular adventure insured.2.Where the policy attaches while the ship is in port, there is also an implied warranty thatshe shall, at the commencement of the risk, be reasonably fit to encounter the ordinaryperils of the port.3.Where the policy relates to a voyage which is performed in different stages, during whichthe ship requires different kinds of or further preparation or equipment, there is animplied warranty that at the commencement of each stage the ship is seaworthy in respect of such preparation or equipment for the purposes of that stage.4. A ship is deemed to be seaworthy when she is reasonably fit in all respects to encounterthe ordinary perils of the seas of the adventure insured.5.In a time policy there is no implied warranty that the ship shall be seaworthy at any stageof the adventure, but where, with the privity of the assured, the ship is sent to sea in anunseaworthy state, the insurer is not liable for any loss attributable to unseaworthiness.40. NO IMPLIED WARRANTY THAT GOODS ARE SEAWORTHY1.In a policy on goods or other moveables there is no implied warranty that the goods ormoveables are seaworthy.2.In a voyage policy on goods or other moveables there is an implied warranty that at thecommencement of the voyage the ship is not only seaworthy as a ship, but also that she is reasonably fit to carry the goods or other moveables to the destination contemplated bythe policy.41. WARRANTY OF LEGALITYThere is an implied warranty that the adventure insured is a lawful one, and that, so far as the assured can control the matter, the adventure shall be carried out in a lawful manner.The Voyage42. IMPLIED CONDITION AS TO COMMENCEMENT OF RISK1.Where the subject-matter is insured by a voyage policy "at and from" or "from" aparticular place, it is not necessary that the ship should be at that place when the contract is concluded, but there is an implied condition that the adventure shall be commencedwithin a reasonable time, and that if the adventure be not so commenced the insurer mayavoid the contract.2.The implied condition may be negatived by showing that the delay was caused bycircumstances known to the insurer before the contract was concluded, or by showing that he waived the condition.43. ALTERATION OF PORT OF DEPARTUREWhere the place of departure is specified by the policy, and the ship instead of sailing from that place sails from any other place, the risk does not attach.44. SAILING FOR DIFFERENT DESTINATIONWhere the destination is specified in the policy, and the ship, instead of sailing for that destination, sails for any other destination, the risk does not attach.45. CHANGE OF VOYAGE1.Where, after the commencement of the risk, the destination of the ship is voluntarilychanged from the destination contemplated by the policy, there is said to be a change ofvoyage.2.Unless the policy otherwise provides, where there is a change of voyage, the insurer isdischarged from liability as from the time of change, that is to say, as from the time when the determination to change it is manifested; and it is immaterial that the ship may not infact have left the course of voyage contemplated by the policy when the loss occurs.46. DEVIATION1.Where a ship, without lawful excuse, deviates from the voyage contemplated by thepolicy, the insurer is discharged from liability as from the time of deviation, and it isimmaterial that the ship may have regained her route before any loss occurs.2.There is a deviation from the voyage contemplated by the policy—a.Where the course of the voyage is specifically designated by the policy, and thatcourse is departed from; orb.Where the course of the voyage is not specifically designated by the policy, butthe usual and customary course is departed from.3.The intention to deviate is immaterial; there must be a deviation in fact to discharge theinsurer from his liability under the contract.47. SEVERAL PORTS OF DISCHARGE1.Where several ports of discharge are specified by the policy, the ship may proceed to allor any of them, but, in the absence of any usage or sufficient cause to the contrary, shemust proceed to them, or such of them as she goes to, in the order designated by thepolicy. If she does not there is a deviation.2.Where the policy is to "ports of discharge", within a given area, which are not named, theship must, in the absence of any usage or sufficient cause to the contrary, proceed to them, or such of them as she goes to, in their geographical order. If she does not there is adeviation.48. DELAY IN VOYAGEIn the case of a voyage policy, the adventure insured must be prosecuted throughout its course with reasonable dispatch, and, if without lawful excuse it is not so prosecuted, the insurer is discharged from liability as from the time when the delay became unreasonable.49. EXCUSES FOR DEVIATION OR DELAY1.Deviation or delay in prosecuting the voyage contemplated by the policy is excused—a.Where authorised by any special term in the policy; orb.Where caused by circumstances beyond the control of the master and hisemployer; orc.Where reasonably necessary in order to comply with an express or impliedwarranty; ord.Where reasonably necessary for the safety of the ship or subject-matter insured;ore.For the purpose of saving human life, or aiding a ship in distress where humanlife may be in danger; orf.Where reasonably necessary for the purpose of obtaining medical or surgical aidfor any person on board the ship; org.Where caused by the barratrous conduct of the master or crew, if barratry be oneof the perils insured against.2.When the cause excusing the deviation or delay ceases to operate, the ship must resumeher course, and prosecute her voyage, with reasonable dispatch.Assignment of Policy50. WHEN AND HOW POLICY IS ASSIGNABLE1. A marine policy is assignable unless it contains terms expressly prohibiting assignment. Itmay be assigned either before or after loss.2.Where a marine policy has been assigned so as to pass the beneficial interest in suchpolicy, the assignee of the policy is entitled to sue thereon in his own name; and thedefendant is entitled to make any defence arising out of the contract which he would have been entitled to make if the action had been brought in the name of the person by or onbehalf of whom the policy was effected.3. A marine policy may be assigned by indorsement thereon or in other customary manner.51. ASSURED WHO HAS NO INTEREST CANNOT ASSIGN。
1906年英国海上保险法
英国1906年海上保险法（1906年12月21日）海上保险海上保险的定义1. 海上保险合同是一种合同，根据这种合同，保险人按照约定的方式和范围，对被保险人遭受的与航海有关的海上损失承担赔偿责任。
海陆混合风险2.（1）海上保险合同，得用明文条款或者根据贸易惯例，将责任范围扩展到保障被保险人在与海上航程有关的内河或内陆运输风险中所遭受的损失。
（2）如果用海上保险单格式的保险单，承保建造中的船舶，或者船舶下水，或者类似航海的冒险，本法中的各项规定只要可以运用的都可适用；但除本条规定者外，本法的任何规定，都不能改变或影响任何适用于本法规定的海上保险合同以外的保险合同的法律规定。
航海与海上危险的定义3.（1）出本法的规定外，每一合法的航海得为海上保险合同的标的。
（2）特别是以下各项属于航海：（a）受海上危险影响的船舶、货物或其他动产，在本法中，这些财产被称作“保险财产”；（b）由于保险财产暴露于海上危险之中而危及的任何运费、旅客票款、佣金、利润或其他经济利益的收入或获得，或者任何预付款项、贷款或垫付费用的担保；（c）由于海上危险，保险财产所有人或对它有利益的或者负有责任的人，对第三者引起的任何责任。
“海上危险”是指因海上航行而发生的或与海上航行有关的危险，即海上灾害、火灾、战争危险、海盗、劫掠者、盗贼、捕获、扣押、拘禁和王子与人民的羁押、抛弃、船长船员有意损害被保险人的行为和任何诸如此类的或所附保险单规定的危险。
保险利益赌博合同无效4.（1）用作赌博的海上保险合同无效。
（2）海上保险合同在下列情况下，被认为是赌博合同：（a）被保险人对保险标的无本法规定的保险利益，而且在缔约后仍无获得此种保险利益的可能；（b）保险单是按“无论有无保险利益”，或“除保险单本身外，再无具有保险利益的证明”，或“保险人无救助利益”等条件，或按其他类似条件签订的。
但是，如无救助的可能，保险单可以按保险人无救助利益的条件签订。
保险利益的定义5.（1）除本法的规定外，与航海有利害关系的每一个人具有保险利益。
英国1906年海上保险法 English Marine Insurance A
English Marine Insurance Act 1906（英国1906年海上保险法）海上保险的定义1．海上保险合同是一种合同，根据这种合同，保险人按照约定的方式和范围，对被保险人遭受的与航海有关的海上损失承担责任。
海陆混合风险2．（1）海上保险合同，得用明文条款或者根据贸易惯例，将责任范围扩展到保障被保险人在与海上航程有关的内河或内陆运输风险中所遭受的损失。
（2）如果用海上保险单格式的保险单，承保建造中的船舶，或者船舶下水，或者类似航海的冒险，本法中的各项规定只要可以运用的都可适用；但除本条规定者外，本法的任何规定，都不能改变或影响任何适用于本法规定的海上保险合同以外的保险合同的法律规定。
航海与海上危险的定义3．（1）除本法的规定外，每一合法的航海得为海上保险合同的标的。
（2）特别是以下各项属于航海；（a）受海上危险影响的船舶、货物或其他动产，在本法中，这些财产被称作"保险财产"；（b）由于保险财产暴露于海上危险之中而危及的任何运费、旅客票款、佣金、利润或其他经济利益的收入或获得，或者任何预付款项、贷款或垫付费用的担保；（c）由于海上危险，保险财产所有人或对它有利益的或者负有责任的人，对第三都引起的任何责任。
海上危险是指因海上航行而发生的或与海上航行有磁的危险，即海上灾害、火灾、战争危险、海盗、劫掠者、盗贼、捕获、扣押、拘禁和王子与人民的羁押、抛弃、船长船员有意损害被保险人的行为和任何诸如此类的或所附保险单规定的危险。
赌博合同无效4．（1）用作赌博的海上保险合同无效。
（2）海上保险合同在下列情况下，被认为是赌博合同：（a）被保险人对保险标的无本法规定的保险利益，而且在缔约后仍无获得此种保险利益的可能；（b）保险单是按"无论有无保险利益"，或"除保险单本身外，再无具有保险利益的证明"，或"保险人无救助利?quot;等条件，或按其他类似条件签订的。
英国海事保险法
英国海事保险法《1906年海事保险法》习惯上被认为是现代海商法的组成部分；它不仅适用于英联邦国家，而且在世界范围内具有广用性．本节中所援引的立法条款除另有说明外仅指该法。
根据该祛第1条的定义，海事保险是指承保人对于被保险人在海上事故而造成的损失承担赔偿责任的保险合同。
海险又称为海上危险，它是指因海上航行而引起或带来的危险；但是依照海事款或贸易惯例，其外延还可以扩展于因内水航行而引起的危险。
根据立法第2条的规定，海上危险包括以下3类：(1)足以损的海事危险；(2)由于可保性财产面临海事危险而使运费、船费、佣金、利润。
其他收益和担保物受到的安全威胁；(3)因性财产的所有人或利害关系人可能承担的赔偿责仟。
一、可保性利益在海事保险合同中，被保险人必须具有可保性利益，否则该合同将可能归于赌博合同而不发生保险效力。
根据立法第保险单的订立中有下述任一情况，它将归于无效：(1)订立该保险单可能有利益关系也町能无利益关系；(2)除保险单本身外，没有进一步的证据证明有利益关系；(3)承保利可图(但无法救助的情况除外)。
如果某人在海上冒险活动中具有利益关系，也就是说他可以因投保财产安全运达而获利，损或被扣留而遭受损，那么该人在海事保险合同中即具有可保性利益。
根据一般规则，在海事保险合同中具有可保性利益1．押船贷款或押货贷款的货币出借人在贷款数额内具有可保性利益。
海事法上的押船贷款是指出贷人向船主或其代理船舶继续航行，同时又扣押船舶权利证书的合同关系。
如果该船舶失踪，出贷人将丧失其债权；如果该船舶安全返航，出押货贷款是指以船上货物设为抵押的贷款，船舶本身不属于抵押物。
2．船长和船员在其工资数额范围内有可保性利益．3．预付船运费已超过一定限度以致在发生海事损失时将无法受偿的人具有可保性利益。
4．设抵人在其抵押财产的价值范围内具有可保性利益，而抵押权人则在抵押贷款额范围内具有可保性利益。
5．财产所有人在其财产总值范围内具有可保性利益，并且该利益即使在第三人许诺对其可能遭受的损失给予赔偿时也6．再保险的承保人在其承保的数额内具有可保性利益。
1906年英国海上保险法
英国1906年海上保险法（1906年12月21日）海上保险海上保险的定义1. 海上保险合同是一种合同，根据这种合同，保险人按照约定的方式和范围，对被保险人遭受的与航海有关的海上损失承担赔偿责任。
海陆混合风险2.（1）海上保险合同，得用明文条款或者根据贸易惯例，将责任范围扩展到保障被保险人在与海上航程有关的内河或内陆运输风险中所遭受的损失。
（2）如果用海上保险单格式的保险单，承保建造中的船舶，或者船舶下水，或者类似航海的冒险，本法中的各项规定只要可以运用的都可适用；但除本条规定者外，本法的任何规定，都不能改变或影响任何适用于本法规定的海上保险合同以外的保险合同的法律规定。
航海与海上危险的定义3.（1）出本法的规定外，每一合法的航海得为海上保险合同的标的。
（2）特别是以下各项属于航海：（a）受海上危险影响的船舶、货物或其他动产，在本法中，这些财产被称作“保险财产”；（b）由于保险财产暴露于海上危险之中而危及的任何运费、旅客票款、佣金、利润或其他经济利益的收入或获得，或者任何预付款项、贷款或垫付费用的担保；（c）由于海上危险，保险财产所有人或对它有利益的或者负有责任的人，对第三者引起的任何责任。
“海上危险”是指因海上航行而发生的或与海上航行有关的危险，即海上灾害、火灾、战争危险、海盗、劫掠者、盗贼、捕获、扣押、拘禁和王子与人民的羁押、抛弃、船长船员有意损害被保险人的行为和任何诸如此类的或所附保险单规定的危险。
保险利益赌博合同无效4.（1）用作赌博的海上保险合同无效。
（2）海上保险合同在下列情况下，被认为是赌博合同：（a）被保险人对保险标的无本法规定的保险利益，而且在缔约后仍无获得此种保险利益的可能；（b）保险单是按“无论有无保险利益”，或“除保险单本身外，再无具有保险利益的证明”，或“保险人无救助利益”等条件，或按其他类似条件签订的。
但是，如无救助的可能，保险单可以按保险人无救助利益的条件签订。
保险利益的定义5.（1）除本法的规定外，与航海有利害关系的每一个人具有保险利益。
2019年1906英国海上保险法.doc
1906英国海上保险法（中英文对照版）来源：更新时间：1906海上保险法海上保险（Marine Insurance）第1条：海上保险的定义（Marine insurance defined）A contract of marine insurance is a contract whereby the insurer undertakes to indemnify the assured, in manner and to the extent thereby agreed, against marine losses, that is to say, the losses incident to marine adventure.海上保险合同，是一种保险人按照约定的方式和范围，对与海上冒险有关的海上灭失，向被保险人承担赔偿责任的合同。
第2条海陆混合风险（Mixed sea and land risks）2.(1) A contract of marine insurance may, by its express terms, or by a usage of trade, be extended so as to protect the assured against losses on inland water or on any land risk which may be incidental to any sea voyage.(2) Where a ship in course of building, or the launch of a ship, or any adventure analogous to a marine adventure, is covered by a policy in the form of a marine policy, the provisions of this Act, in so far as applicable, shall apply thereto；but, except by this section provided, nothing in this Act shall alter or affect any rule of law applicable to any contract of insurance other than a contract of marine insurance as by this Act defined.(1)海上保险合同，得用明示条款或经由某种贸易习惯，扩展保障被保险人在与海上航程有关的内河或任何陆地风险中的损失。
1906英国海上保险法（中英文对照）
(c) Any liability to a third party may be incurred by the owner of, or other person interested in or responsible for, insurable property, by reason of mari me perils.
第 3 条海上冒险与海上危险的定义（Marine adventure and mari me perils defined ） 3.(1) Subject to the provisions of this Act, every lawful marine adventure may be the subject of a contract of marine insurance.
第 5 条保险利益的定义（Insurable interest defined） 5.（1）Subject to the provisions of this Act, every person has an insurable interest who is
interested in a marine adventure. （2） In par cular, a person is interested in a marine adventure where he stands in any legal or equitable rela on to the adventure or to any insurable property at risk therein, in consequence of which he may benefit by the safety or due arrival of insurable property, or may be prejudiced by its loss, or by damage thereto, or by the deten on thereof, or may incur liability in respect thereof. （1）根据本法各条规定，与海上冒险有利益关系的每一个人具有保险利益。 （2）一个人与海上冒险有利益关系，尤其是在他与该冒险或处在危险中的任何保险财产， 具有任何法律上或衡平的关系，因而若保险财产安全或及时抵达他便能从中获取利益；反之， 如果保险财产灭失，损坏，或被滞留或招致有关责任，他的利益将受到损害。
1906英国海上保险法(中英文对照)
1906英国海上保险法〔中英文对照版〕海上保险〔Marine Insurance〕第1条：海上保险的定义〔Marine insurance defined〕A contract of marine insurance is a contract whereby the insurer undertakes to indemnify the assured, in manner and to the extent thereby agreed, against marine losses, that is to say, the losses incident to marine adventure.海上保险合同，是一种保险人按照约定的方式和范围，对与海上冒险有关的海上灭掉，向被保险人承担抵偿责任的合同。
第2条海陆混合风险〔Mixed sea and land risks〕2.(1) A contract of marine insurance may, by its express terms, or by a usage of trade, be extended so as to protect the assured against losses on inland water or on any land risk which may be incidental to any sea voyage.(2) Where a ship in course of building, or the launch of a ship, or any adventure analogous toa marine adventure, is covered by a policy in the form of a marine policy, the provisions of this Act, in so far as applicable, shall apply thereto；but, except by this section provided, nothing in this Act shall alter or affect any rule of law applicable to any contract of insurance other than a contract of marine insurance as by this Act defined.(1)海上保险合同，得用明示条款或经由某种贸易习惯，扩展保障被保险人在与海上航程有关的内河或任何陆地风险中的损掉。
1906英国海上保险法(中英文对照版)
1906海上保险法海上保险（Marine Insurance）第1条：海上保险的定义（Marine insurance defined）A contract of marine insurance is a contract whereby the insurer undertakes to indemnify the assured, in manner and to the extent thereby agreed, against marine losses, that is to say, the losses incident to marine adventure.海上保险合同，是一种保险人按照约定的方式和范围，对与海上冒险有关的海上灭失，向被保险人承担赔偿责任的合同。
第2条海陆混合风险（Mixed sea and land risks）2.(1) A contract of marine insurance may, by its express terms, or by a usage of trade, be extended so as to protect the assured against losses on inland water or on any land risk which may be incidental to any sea voyage.(2) Where a ship in course of building, or the launch of a ship, or any adventure analogous to a marine adventure, is covered by a policy in the form of a marine policy, the provisions of this Act, in so far as applicable, shall apply thereto；but, except by this section provided, nothing in this Act shall alter or affect any rule of law applicable to any contract of insurance other than a contract of marine insurance as by this Act defined.(1)海上保险合同，得用明示条款或经由某种贸易习惯，扩展保障被保险人在与海上航程有关的内河或任何陆地风险中的损失。
英国1906年海上保险法
英国１９０６年海上保险法一、海上保险海上保险的定义第一条海上保险契约是保险人向被保险人承诺，于被保险人受到海上损失，即海事冒险所发生的损失时，应依约定的条款和数额，赔偿被保险人的契约。
海陆混合风险第二条（一）海上保险契约得按订明的条款或贸易惯例，扩展其范围，凡被保险人员在与海上航程有关的内河或陆上风险所引起的损失，均受该项契约的保障。
（二）船舶在建造中，在下水时，或在其他类似的海事冒险方面，凡投保海上保险者，本法的条款在可能的范围内均应适用；但除本条款所规定者外，本法不应变更或影响为本法所载明的海上保险契约以外的其他保险契约所适用的任何法规。
海事冒险和海上灾难的定义第三条（一）按本法的规定，凡合法的海事冒险，均可订立海上保险契约。
（二）下列各项均属于海事冒险情节：（ａ）任何船舶、货物或其他动产有可能蒙受海上灾难者，这类财产在本法称为“可保财产”；（ｂ）收益或运费，客票、佣金、利润，或其他金钱利益，或预付款项，借贷，或日用开支等项，由于可保财产蒙受海上灾难而可能遭受影响者；（ｃ）可保财产的所有人、利害关系人或负责人，因海上灾难而对第三者发生赔偿责任者。
“海上灾难”是指来自航海或在航海中易于发生的灾难，例如：海难、火灾、战争灾难、海盗、流氓、盗窃、捕获、扣留、禁制，以及对君主和人民的扣留、投弃、船长船员不法行为等其他类似的灾难，或保险契约所指明的灾难。
二、可保权益打赌或赌情性的契约无效第四条（一）以赌情为目的而订立的海上保险契约，应作为无效。
（二）凡海上保险契约有下列情节者，应视为赌情或打赌的契约；（ａ）被保险人无本法规定的可保权益者，或在订约时，无取得此项利益的希望者。
（ｂ）保险契约订有下列或其他类似条款者，例如：“不论有无利害关系”、“除本保险单外无须再证明其他利害关系”、“保险人无捞救利益”。
如果不存在捞救的可能性，而契约内证明保险人无捞救利益者，仍可投保。
可保权益的定义第五条（一）按本法的规定，凡与海事冒险发生利害关系的人，均得认为有可保权益。
1906英国海上保险法(中英文对照版)
1906海上保险法海上保险（Marine Insurance）第1条：海上保险的定义（Marine insurance defined）A contract of marine insurance is a contract whereby the insurer undertakes to indemnify the assured, in manner and to the extent thereby agreed, against marine losses, that is to say, the losses incident to marine adventure.海上保险合同，是一种保险人按照约定的方式和范围，对与海上冒险有关的海上灭失，向被保险人承担赔偿责任的合同。
第2条海陆混合风险（Mixed sea and land risks）2.(1) A contract of marine insurance may, by its express terms, or by a usage of trade, be extended so as to protectthe assured against losses on inland water or on any land risk which may be incidental to any sea voyage.(2) Where a ship in course of building, or the launch of a ship, or any adventure analogous to a marine adventure, iscovered by a policy in the form of a marine policy, theprovisions of this Act, in so far as applicable, shall apply thereto；but, except by this section provided, nothing in this Act shall alter or affect any rule of law applicable to anycontract of insurance other than a contract of marineinsurance as by this Act defined.(1)海上保险合同，得用明示条款或经由某种贸易习惯，扩展保障被保险人在与海上航程有关的内河或任何陆地风险中的损失。
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英国1906年海上保险法(doc 25)英国1906年海上保险法1906年颁布,1907年1月1日实施)第一条海上保险契约，系保险人向被保险人允诺，于被保险人蒙受海上损害，即海事冒验所发生之损害时，应依约定之条款及数额负责赔偿之契约。
第二条(一)海上保险契约得因明订条款，或商业习惯，扩展其范围，凡被保险人与海程有关之内河或陆地危险均得受该契约之保障。
(二)船舶在建造中，在下水时或在其他类似海事冒险时，凡投保海上保险者，本法在可能范围内均应适用，但除本条所规定者外，对于海上保险以外之保险法律不发生影响。
第四条(一)以赌博为目的而订立之海上保险契约，应为无效。
(二)凡海上保险契约，有下列情节者应认为赌博契约：甲、被保险人无本法规定之保险利益者；或在订约时，无取得是项利益之希望者。
乙、保险契约订有下列或其他类订条款者，例如“无论有无利害关系”，“除本契约外无须再证明其他利害关系”，“保险人并无捞救利益”。
但因捞救无望而于契约内载有是项注明者不在此限。
第五条(一)凡与海事冒险发生利益关系之人，均得依本法之规定认为有保险利益。
(二) 凡对于海事冒险或受保财产，立于法律上或利害上，关系地位之人，于该受保财产安全时，或按期到达时，即蒙利益，于发生损失时，或扣押时，即发生损害或赔偿，即称为利害关系人。
第六条(一)在保险契约订立时，被保人对于标的物固无发生利益关系之必要，但在标的物发生灭失时，被保险人必须享有保险利益。
标的物之保险，系以“危险之有无”为条件者，虽然灭失发生后，始取得利益时，仍得请求损害赔偿，但保险契约订立时，被保险人明知已灭失，而保险人不知者，不在此限。
(二)被保险人如在灭失发生时并无保险利益者，无论其嗣后行为若何，均不能取得保险利益。
第七条(一)属于消灭性之利益得为保险，其属于本来之利益亦得为保险。
(二)例如货物承买人，虽因货物迟延交付，或其他原因，得拒收货物。
或将危险责任加诸原售主时，仍有保险利益，得为保险。
第八条一部分利益，无论其性质若何，均得保险。
第九条(一)保险人对海上保险契约，享有利益得为再保险。
(二)除保险契约另有规定外，原被保险人，对于再保险，并无任何权利或利益。
第十条以船舶抵押或积货抵押之贷款人，对于贷出之款，享有保险利益。
第十一条船长或船员，对各该金，享有保险利益。
第十二条关于预付运费，其预付人如因损害不能收回时，应享有保险利益。
第十三条被保险人对于保险费，享有保险利益。
第十四条(一)以标的物抵押时，出押人，对于价值之全部，享有保险利益。
其受押人之保险利益，仅限于业已到期及将来到期之押款部分。
(二)受押人，受让人，或其他利害关系人，得为自己利益或其他利害关系人之利益，为之保险。
(三)从第三者对于标的物之消灭，认诺赔偿时，其所有人对于标的物，仍享有全部价值之保险利益。
第十五条被保险人于标的物让与或移转时，其保险契约之权利，除于受让人明白或当然同意移转外，并不因之转让。
本条之规定，对于依法应为移转之权利，并无影响。
保险价额第十六条除保险契约对于价值明有规定外，标的物之保险值额应依下列标准认定之：(一)关于船舶保险，其保险价额，应以责任开始时之价值为标准。
包括属具，给养品，船员，物料，船员薪资，垫款，及其他航程开始时之必须费用，与保险费；如船舶系轮船时，其价值，应包括机器，锅炉，窝煤，引擎，物料；于船舶经营特别商业时，并包括其特别设备。
(二)关于运费保险，无论运费系属预付者与否，其保险价额，为被保险人名下所应负担之运费总数，连同保险费。
(三)关于货物保险，其保险价额为被保财物之成本，连同一切运送费用，及保险费。
(四)关于其他标的物保险，其保险价额为被保险人在契约责任开始时，所应负之数额连同保险费。
告知及陈述第十七条海上保险契约之基础，系忠诚信实，倘一方不顾绝对的忠诚信实，他方得宣告是项契约失效。
第十八条(一)在契约订立前，被保险人应依本条之规定，将其所知之重要有关情节，尽量告知保险人。
该被保险人应认为明了由通常事务中，所应明了之一切事务，如被保险人未为是项告知时，保险人得宣告契约失效。
(二)凡能影响谨慎保险人，关于确定保险费之事项，或关于确定是否承保之事项，均认为重要有关系情节。
(三)未经保险人发问时，下列情节无须告知。
(甲)关于减少危险之情节者。
(乙)关于保险人应为明了之情节者，凡彰明公开之事项，及保险人由普通事务中所应明了之事项，均系保险人应认为明了之情约。
(丙)关于保险对于某项事务之报告，有表示免除之情节者。
(丁)关于因明示或默示特别条款之规定，其情节无须赘为告知者。
(四)关于某项未经告知之情节，是否为重要有关系之情节，乃系事实问题，于每件事项发生时认定之。
(五)“情节”包括被保险人收受之消息，及报告。
第十九条除依前条规定无须告知之情节外，如保险系保险人之代理人辩理者，该代理人对于下列情节应行告知。
(甲)该代理人所用明了之一切重要有关情节。
凡代理人由通常事务中所应明了之事项及收受报告之事项，均应认为该代理人所应明了之情节并应告知。
(乙)被保险人所应告知之一切重要有关系情节，但于某项重要有关系情节，到达代理人时，业经迟误，不及转为告知者，不在此限。
第二十条(一)被保险人或其代理人，在契约订立前，于接洽时，向保险人所为之一切重要有关系陈述，务须真实。
否则，保险人得宣告契约失效。
(二)凡能影响谨慎保险人，关系确定保险费之陈述，或关于确定是否承保之陈述，均认为重要有关系陈述。
(三)所为之陈述，不外关于事实方面，或关于希望，相信方面。
(四)凡关于事实之陈述，与实际事实，大致相符者，即认为真实陈述，换言之，即陈述事实，与实际事实之差异，由谨慎保险人视之，认为无重要关系，即认为真实陈述。
(五)凡关于希望，相信之陈述，系由于诚恳发表者，即应认为真实陈述。
(六)所有陈述者，在契约订立前，均得撤回之，更正之。
(七)关于某项陈述，是否为重要有关系之陈述。
乃系事实问题，于每件事项发生时，认定之。
第二十一条海上保险契约，于被保险人要求保险，经保险人接受后，即认为成立，该契约之是否业经填发，固非必须要件。
但为证明要约之业经成立，所有允证单，临时保单，或其他简单契约之条件，均得引为参考，虽未经粘贴印花者，亦发生效力。
保险契约第二十二条除依法律另有规定外，所有约定条款未在本法所规定之海上保险契约内注明者，与不发生效力，保险契约得在契约成立时，或成立后积发。
第二十三条保险契约应载明下列事项：(一) 被保险人或要保人之姓名。
(二)保险标的物，及其所保险之性质。
(三)保险责任之起迄时间，均依属于航程者，或属于期间者确定。
(四)保险金额。
(五)保险人姓名。
第二十四条(一)保险契约应由保险人或其代理人签名，于保险人为股份有限公司者盖印公司图章时，亦为合格，但本条之规定不应释为，必须股份有限公司盖印公司图章。
(二)保险契约有二个以上保险人承保签署者，除在契约别有规定外，每一个承保签署对于被保险人为独立的契约。
第二十五条(一)对于标的物之保险契约，如系由某地起至某地止者，是为航程保险契约；如系固定期间者，是为期间保险契约。
同一个保险契约中，得合并规定航程或期间之责任。
(二)依照一九０一年财政法第十一条，期间保险契约，凡超过十二个月者，概为无效。
第二十六条(一)保险标的物应在海上保险契约标记明白，其标记应大致清楚无讹。
(二)被保险人对于标的物利害关系之性质，或程度，无须注明契约内。
(三)保险契约对于保险标的物，用普通名词标记者，应释为，被保险人之利害关系，均在保险范围之内。
(四)于援用本条各项规定时，关于保险标的物，标记之习惯，应注意及之。
第二十七条(一)保险契约分为保险价额确定，与不确定，两种。
(二)保险价额确定契约，即标的物之价额业经双方同意，并经载明于保险契约者。
(三)除本法另有规定或有欺骗情形外，保险契约所载明之价额，在保险人与被保险人间应绝对的认为保险标的物之保险价额。
嗣后如发生全部或一部分灭失时均以此为计算标准。
(四)除保险契约另有规定外，契约内所载明之价额，于计算假定完全灭失时，并不能认为绝对的保险价额。
第二十八条保险价额不确定契约，即保险标的物之价额，并未载明契约者，于标的物价额须为确定时，除受保险金额之拘束外，得依本法前开规定确定之。
第二十九条(一)流动保险契约所载明者，均系普通条款，其船舶名称，或其他特别标记，嗣后补充声明之。
(二)补充声明手续，得在契约上背书或以其他习惯上通用之方法为之。
(三)除保险契约别有规定外，是项补充声明次序，应依航驶或装货之次序为之。
关于货物之补充声明，包括契约所载，应交之货物批数，所有货物或其他财物之价值，务须照实声明，但是项声明，由于非恶意原事发生遗漏，或错误时，于到达或发生损害后，仍得更正之。
(四)除契约另有规定外，于到达或发生损害后，始为价额之声明者，是项保险契约，应以保险价额不确定论。
第三十条(一)契约之格式，得依照本法第一附件方式定之。
(二)除本法或契约别有规定外，本法第一附件，所载明之名词、字义，依其应有之意义解释。
第三十一条(一)保险之保险费，未经预为约定者，应为相当保险费。
(二)保险之保险费，经约定于某项情节发生，应为增加保费时，嗣某项情节业已发生，而增加之保费，尚未经约定者，应增加相当保险费。
复保险第三十二条(一)于被保险人为同一危险同一利益无论为全部分，或一部分，取得两个以上保险契约，而保险金额总数超过本法所准许之赔偿数额时，是为复保险。
(二)于保险为复保险时(甲)除契约别有规定外，被保险人得依其自选之次序，向保险人请求赔偿，但所收受者，不得超过本法所准许赔偿数额。
(乙)如被保险人请求，所根据之契约，系保险价额确定者，凡被保险人由感他保险价额不确定契约项下，所收得之款，亦应合并加入计算。
(丙)如被保险人请求，所根据之契约，系保险价额不确定者，凡被保险人由其他保险契约项下所收得之款，于计算保险价额时，应合并加入计算。
(丁)如被保险人所收受之赔款，超过本法所准许数额时，该被保险人对于是项超过数额，立于暂为管财人之地位，是项数额，应比例返还各保险人。
特约条款第三十三条(一)以下数条之特约条款，应释为允诺性质，换言之，对被保险人负责允许，某项特定事项发生或绝对的不发生时，或某项情节必定履行时或某项特定事实之是否存在时，是谓之允许性质。
(二)特约条款，分为明示的，或默示的。
(三)依照上面解释，特约条款对于承保之险，无论发生重要关系与否，均应准确履行。
倘未为准确履行时，除契约别有规定外，保险人所负之义务自特约条款违背之日起，应为免除，但关于该日以前之义务，并不发生影响。
第三十四条(一)如情势变更，契约之特约条款不能适用时，或法令变更，是项特约条款为不合法时，该特约条款，得免除履行。
(二)于保证条款违背后，被保险人不得提出在损害发生前，业经弥补或履行之抗辩。