海上保险诉讼时效规定的理解和修改

The understanding and revision of time limitation regulation for marine insurance

对《中华人民共和国海商法》第264条关于海上保险时效规定的理解和适用,司法界、理论界颇有争议。保险赔偿请求权在保险事故发生时即可行使,时效也因此起算,将时效起算点确定在保险事故发生时并无不妥。除保险赔偿请求权外,还有其他与保险有关的请求权。因此以保险请求权受损害时为海上保险时效起算点更为合适。不能将非海上保险的时效制度引入到海上保险中来,应该从《中华人民共和国海商法》整体出发看待海上保险的诉讼时效制度。最后提出了修改该时效规定的具体建议。

There are some disputes and debates in the judicial practice and academic circle on the understanding and application of time hmitation regulations for marine insurance with regard to Article 264 of Maritime Code of the People＇ s Republic of Chi- na. The right of claim for insurance indenmity could be exercised when the peril insured occurs, the time limitation should be counted from this time. It has no problem to count the time limitation from the time when the peril insured occurs. There are other insurance related rights of claim besides the right of claim for insurance indemnity. It would be more appropriate to count the time limitation from the time when the rights of insurance claim were damaged. Time limitation system of non-marine insur- ance should not be applied to marine insurance because the integrity of Maritime Code of the People＇s Republic of China should be maintained. The suggestion for the revision of this time limitation regulation is put forward finally.