承运人对海运货物是否具有保险利益——兼析“未公开本人的代理”之适用

Whether the carrier has insurable interest on the marine cargoes or not——And application of agency of undisclosed principal

通过比较和理论分析,指出承运人对海运货物具有保险利益,其有权选择投保责任险或货物运输险。根据"未公开本人的代理",在承运人不承担货物损失责任的情况下,货物所有人有权以本人的身份介入承运人签订的保险合同向保险公司索赔。

By comparison with the law of other countries and on the relevant theo- ry, this paper draws the conclusion that the carier has the insurable interest on the cargo and is entitled to elect the marine cargo policy or liability policy. Additionally, in light of agency of undisclosed principal, the cargo owner may claim against the insurer directly if the carrier is not responsible for the damage to the cargo.