第二章影响保险合同成立及生效的有关问题。根据合同法的一般原理，保险合同成立于双方达成合意之时，保险合同应为非要式和不要物合同。
According to the general principles of contract law , the insurance contract is formed when the two sides have reached an agreement , so the insurance contract should be informal and without performance .
非要式合同