财产保险合同

财产保险合同之保险利益主体研究

Research on the Subject of Insurable Interest of Contract of Property Insurance

试论财产保险合同的几个疑难法律问题

Some Legal Issues in the Contract of Property Insurance

D.代位求偿权原则上只在财产保险合同中适用（但笔者认为保险代位求偿制度没有任何余地地只能存在于财产保险合同中的提法是不甚确切的）；

D. From principle the right can only be used in the contract of insurance .

保险利益与我国财产保险合同的契合

Accordance between Insurable Interest and Chinese Property Insurance Contracts

受益人范围扩展至财产保险合同具有客观与理论上的可行性；

It is objectively and theoretically possible to extend the beneficiary provision to property insurance contracts .

如何对财产保险合同和人身保险合同中的保险利益加以具体认定是本章要解决的问题。

How to determine the insurable interest is the issue to be resolved in this chapter .

首先，在财产保险合同订立时，合同双方都须承担告知义务。

Above all , when property insurance contract concludes , contract both sides must be assumed tell obligation .

笔者分别从财产保险合同与人身保险合同两方面对这一问题进行了论述。

I have approached this question from two aspects : the property insurance contract and the life insurance contract .

在财产保险合同中，还有确定损失额度，防止超额保险，禁止不当得利等功能。

In property insurance contract , the conception of insurance interest is helpful to ascertain loss margin , prevent excess insurance , and forbid unjust enrichment .

在财产保险合同订立后，按照法律规定，合同双方都承担着相应的义务和享受着权利或利益。

After property insurance contract concludes , according to legal provision , contract both sides is being assumed corresponding obligation and enjoying the right or benefit .

第三十二条财产保险合同是以财产及其有关利益为保险标的的保险合同。

Article 32 A property insurance contract refers to a contract the subject matter of the insurance of which is a property and related interests associated therewith .

财产保险合同的成立要件、生效原因、终止时间与其他合同比较有明显的特殊性。

Compared to other kind of contracts , the components , the reasons it goes into effect , as well as its duration all has an obvious character .

财产保险合同的转让普遍要求保险人“同意”的做法，不利于交易安全和保险消费者利益的维护；

If the insured must ask the insurer 's leave to convey a policy , it would cause detriment to the security of transactions or to the consumers'interests .

当保险标的所有权转移时间与交付时间不一致时，应以后者作为财产保险合同转让时间。

When the time of delivery is different from the transfer time arranged in the legal document , we should take the time of delivery as the time of property insurance contract .

而由于财产保险合同与人身保险合同的保险标的性质的不同，导致保险利益在人身保险合同中的确认规则难以等同于财产保险中保险利益的确认规则。

Thanks to the differences of the subject-matters insured between personal insurance contracts and property insurance contracts , there are different criterions to ascertain insurance interests in personal insurance contracts and property insurance contracts .

在财产保险合同中，保险费的交付在性质上与一般债务相同，所以由任意第三人代付保险费也应为事理所允许；

In the contract of property insurance , the debt of premium is the same as general debts in nature , so the third person should be allowed to pay the premium on the applicant 's behalf .

作者认为，保险利益的概念仅适用于财产保险合同领域，不适用于人身保险合同领域，因而称为保险利益规则比称为保险利益原则更合适宜；

The author believes that the concept of insurance interests is applied only to the field of property insurance contract . So it 's called the regulation of insurance interests is more suitable than the principle of insurance interests .

企业财产保险合同约定的保险期限一般为1年，也可以投保短期险，保险期满后，可以再续保，但续保须另办手续。

The insurance time limit that contract of company worth insurance agrees is1 year commonly , also can cast guarantee short-term a place difficult of access , after insurance period is full , can renew protect , but add is protected must do procedure additionally .

为了促使投保人、被保险人维护保险标的安全，预防保险事故的发生，一般情况下，在订立财产保险合同时，都要约定投保人、被保险人对保险标的安全应尽的责任。

Defend the safety of insurance mark to make policy-holder , insurant , prevent the happening of insurance accident , usually , in conclude belongings is sure when the contract , the responsibility that wants conventional policy-holder , insurant to answer to the safety of insurance mark .

案例：这个我觉得投保人就同一财产利益分别与甲乙签订财产保险合同应该算是重复保险吧！

Case : this I feel policy-holder signs property insurance contract to should be with Jia Yi respectively with respect to same property interest repeat assurance !