保险合同转让

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 .

未经保险人同意，船舶保险合同从船舶转让时起解除；

In the absence of such consent , the contract shall be terminated from the time of the transfer of the ownership of the ship .

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 .

第四章保险利益的转让和保险单的转让：主要包括财产保险中保险利益与保险合同转让的关系、人身保险中保险利益与保险合同转让的关系。

The fourth chapter draws attention to the insurable interest and insurance policy transfer , which mainly includes the relationship between insurable interest and insurance policy transfer in both property insurance and life insurance .