海上预约保险合同被保险人申报义务研究

发布时间：2018-04-30 09:21

本文选题：预约保险合同 + 申报义务　；参考：《大连海事大学》2017年硕士论文

【摘要】：在进出口贸易日益繁荣的背景下,海上预约保险合同凭借简捷、便利的优点在海上保险实务中应用得愈加广泛。被保险人的申报义务在预约保险合同中十分重要,它直接影响到保险人是否承担赔偿责任。它是海上预约保险合同区别于普通保险合同之所在。时至今日,我国法律中只有《海商法》第231条至第233条对预约保险合同做出了简略规定,且仅在第233条提及到了被保险人申报义务。学界在被保险人申报义务一些相关问题的讨论中也并未形成一致观点。保险实务中,不同保险公司的预约保险合同条款也并不统一,一些约定条款的内容已偏离了预约保险合同的性质及宗旨。但由于相关立法缺失,不能及时有效地给予规范矫正,导致争议不断,妨碍了海上贸易发展。一些法院在审理相关争议纠纷时也遇到了法律适用上的问题。本文旨在就预约保险合同中被保险人申报义务若干问题加以探讨,以期为完善我国海上预约保险合同中被保险人申报义务相关法律制度提出一些可行性建议。以此规范保险业务,更好地解决争议纠纷,让预约保险合同制度在海上保险领域发挥出其应有优势。
[Abstract]:Under the background of increasing prosperity of import and export trade, marine precontract insurance contract is more and more widely used in marine insurance practice by virtue of its advantages of simplicity and convenience. The insurant's declaration obligation is very important in the appointment insurance contract, it directly affects whether the insurer undertakes the compensation liability. It is the difference between a marine contract of insurance and an ordinary contract of insurance. Up to now, only articles 231 to 233 of the Maritime Law of our country have made a brief stipulation on the contract of advance insurance, and only mentioned the obligation of the insured to declare in the article 233. Academic circles in the insurant declaration obligations of some related issues in the discussion did not form a consensus point of view. In insurance practice, the terms of appointment insurance contract of different insurance companies are not uniform, and the contents of some agreement clauses have deviated from the nature and purpose of the appointment insurance contract. However, due to the lack of relevant legislation, it can not be corrected in time and effectively, which leads to disputes and hinders the development of maritime trade. Some courts have also encountered problems in the application of the law. The purpose of this paper is to discuss some problems of the insurant's obligation to declare in the contract of advance insurance, in order to put forward some feasible suggestions for perfecting the relevant legal system of the insurant's obligation of declaration in the contract of marine appointment insurance in China. In order to standardize insurance business, better resolve disputes, let the advance insurance contract system play its due advantage in marine insurance field.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.284

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