摘要
共同海损与海上保险都是现代海商法中重要的法律制度,两者之间存在着密切的联系,现代海上保险合同无不把共同海损和救助列为承保责任。人们往往误以为共同海损理算结果和海上保险赔偿责任之间完全能划上等号。在对外贸易实务中,海上保险人出于保护自身利益的目的,在保险单中,对共同海损责任认定及共同海损赔偿计算都有特别规定。另外,与英国海上保险实践相比,中国《海商法》和海上保险条款的相关规定过于笼统,不利于实务操作。文章给出了相应的修改建议。
General average and marine insurance are closely related to each other with general average and regarding salvage charges universally covered under a cargo or hull marine policy. In the practice of foreign trade, in order to protect their own interest, marine insurers usually set unique provisions to clarify general average coverage under marine policy and specify the way of calculation for compensation. The regarding provisions in Maritime Code of China seem to be too simple and vague compared with those in Marine Insurance Act of 1906 in UK and thus are difficult to apply in practice. This study finally puts forward regarding suggestions of rectifications in law.
