海上保险法中保险利益的定义

Definition on insurable interest under marine insurance law

为阐述海上保险合同的被保险人在损失发生时应对保险标的具有保险利益,针对英国1906年《海上保险法》对"保险利益"的定义在不同历史时期存在的3种司法或学理解释(分别基于法律利益关系标准、经济利益关系标准和利益关系标准),通过分析指出在不存在赌博的情况下,被保险人对保险标的具有利益,即符合保险利益的要求.

To explain that the insured of a marine insurance contract must possess an insurable interest in insurance subject at the time of loss occurrence, three judicial or theoretical interpretations established in the different historical periods to interpret the definition on ＂insurable interest＂ under British Marine In- surance Act of 1906 are analyzed. Here, the three judicial or theoretical interpretations are respectively based on the standard of law interest, the standard of economic interest, and the standard of interest. A conclusion is drawn that the insured has an interest in insurance subject under the condition of no gam- bles, which meets the requirement of insurable interest.