浅谈渔业保险格式合同免责条款之明确说明义务

On the exemption clauses in fishery insurance contract:Specific explanation obligations

江苏省渔业保险业务的快速增长,有效地促进了江苏省渔业经济的发展,但保险人及其代理人未能明确说明渔业保险格式合同的免责条款项,容易导致渔业保险合同纠纷。结合渔业保险合同纠纷案例,归纳了渔业保险格式合同的特点,分析并探讨了渔业保险格式合同之免责条款的效力,以及保险人对免责条款的明确说明义务,借以提供参考。

The rapid growth of fishery insurance business in Jiangsu Province has effectively promoted the development of fishery economy.However,the insurers and their agents fail to specify the exemption clauses of the fishery insurance contract,which will cause fishery insurance disputes frequently.Based on the cases of disputes in fishery insurance contract,this paper sums up the characteristics of the contract,analyzes and discusses the validity of exemption clauses in the contract and the insurer’s obligation to state the exemption clauses explicitly,so as to provide references for readers.