航空旅客责任保险研究

发布时间：2018-07-14 09:25

【摘要】：航空旅客责任保险是航空运输企业不可或缺的风险管理工具之一。其是否具有强制保险的性质,体现为不同的立法例,我国立法应基于对航空旅客的充分保护将航空旅客责任保险规定为强制保险。航空旅客责任险以航空承运人对旅客的损害赔偿责任为保险标的,而赔偿责任的成就要件应包括受害人须具备旅客身份、发生了航空保险事故和旅客已遭受损害。为保障航空旅客责任保险的强制性,立法应明确规定与其相辅相成的最低保险责任限额。航空旅客责任险的除外责任事项也可通过投保人附加保费的方式由保险人另行承保,但在约定除外责任事项时,应对"被保险航空器搭载之乘客总数超过保单所载明的最大乘客总数"和"被保险航空器由保单记载的飞行员之外的人驾驶"等重要事项给予特别解释和说明,而且也会常常引用伦敦航空保险市场的两项专用特别除外事项。
[Abstract]:Air passenger liability insurance is one of the indispensable risk management tools for air transport enterprises. Whether it has the nature of compulsory insurance is reflected in different legislative cases. Our legislation should be based on the full protection of air passengers, air passenger liability insurance is defined as compulsory insurance. Airline passenger liability insurance takes the liability of air carrier for damages to passengers as the subject of insurance, and the achievement elements of liability should include the fact that the victim must have passenger status, the occurrence of aviation insurance accident and the damage suffered by passengers. In order to protect the compulsory liability insurance for air passengers, legislation should clearly stipulate the minimum insurance liability limit which complements it. The exclusions of the air passenger liability insurance may also be insured separately by the insurer by way of additional premium by the policyholder, but in the event of agreement on the exclusionary liability, Special explanations and explanations shall be given to such important matters as "the total number of passengers on board an insured aircraft exceeds the maximum number of passengers specified in the policy" and "the insured aircraft is driven by a person other than the pilot specified in the policy", There are also frequent references to two special exclusions from the London Air Insurance Market.
【作者单位】：中国民航大学航空法律与政策研究中心;
【基金】：中国法学会研究项目(CLS(2012)D134)) 中国民航大学校级项目(2012KYH01) 中国民航大学省部级科研机构开放基金项目(HK2012ZD03) 中央高校科研专项经费项目(ZXH2011E001)
【分类号】：F562;F840.63

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