中国海上保险法变革的步履:船舶保险条款的完善及要点

The Step of Innovation of Marine Insurance Laws of China,How to Perfect the Marine Insurance Clauses

完善标准保险条款乃是海上保险立法改革的重要步履。在具体修改或制定中国远洋船舶保险条款时应充分考虑到条款制定者的中立因素,避免利益不均衡条款的出现,也避免含义模糊条款的存在;既吸收国外条款可取之处,也应认识到国外法律与中国法律的差异,兼顾中国保险市场业已形成的保险惯例;既保留条款在基本构架方面的优秀成果,又能大胆地修正部分难以操作的条款,最终使中国船舶保险条款具有前瞻性、可操作性和确定性。

This paper illuminates that to perfect the standard insurance clauses shall be deemed as important steps in innovation of marine insurance laws. In the process of modifying or drafting the marine hull clauses, the drafter shall be neutral for a voidance of impartiality and ambiguity of wording of clauses. While referring to foreign marine hull clauses the difference of legal frame between China and other country as well as the customary established in Chinese marine insurance market shall also be taken into account. The merits of basis frame of the current marine hull clauses in China shall be maintained but part of infeasible clauses shall be amended so as to make the Chinese marine hull clauses modern, feasible and certain.