摘要
有关承运人盗卖、转卖货物、无单放货等私自处分货物的行为所致损失是否为海运货物一切险的承保范围,国内学界和司法界存在较大争议。从海运货物一切险承保范围的法理分析,其识别标准应当包括损失偶然性、损失实质性和原因的外来性。在一切险条款未明确排除的情形下,承运人私自处分货物所致损失符合上述三个要件,应当属于一切险的承保范围。现行中国人民保险公司一切险条款在应对承运人私自处分货物时存在不足,易致分歧,应当予以完善。
Whether the damages arising from the behaviors of the cartier to steal and sell or resell carried cargos, or release the goods without original bill of lading should fall under the coverage of the Marine Cargos All Risk Insurance or not is a question of controversy in China＇s academic and judicial circles. From the perspective of theoreti- cal analysis on the scope of coverage of the Marine Cargos All Risk Insurance, the criteria for recognizing such risks are the contingency of the damages, substantiality of the losses and the externality of causes. On occasion that the all risk insurance doesn＇t exclude these liabilities, the carrier＇s unauthorized disposal of cargos should be covered by the insurance plan. The current PICC＇s all risk insurance plans have defects regarding provisions on this situation, are liable to misinterpretation, and therefore should be mended.
出处
《保险研究》
北大核心
2010年第8期104-111,共8页
Insurance Studies
关键词
一切险
承保范围
承运人私自处分货物
all risk insurance
underwriting scope
the carrier＇s unauthorized disposal of cargos
