| 单词 | Unvalued policy |
| 释义 | 不定值保單 A policy which does not specify the value of the subject-matter insured, but subject to the limit of the sum insured, leaves the insurable value to be subsequently ascertained, in the manner specified: Marine Insurance Ordinance (Cap 329) s 28. Unless the policy otherwise provides, where a declaration of value is not made until after notice of loss or arrival, the floating policy must be treated as an unvalued policy as regards the subject-matter of that declaration: s 29(4). The assured must give credit, as against the full insurable value, for any sum received by him under any other policy: s 32(2)(c). Where there is a total loss of the subject-matter insured, if the policy is an unvalued policy, the measure of indemnity is the insurable value of the subject-matter insured, subject to the provisions of the Marine Insurance Ordinance and to any express provision in the policy: s 68(b). Where part of the goods, merchandise, or other movables insured by an unvalued policy is totally lost, the measure of indemnity is the insurable value of the part lost, ascertained as in case of total loss, subject to any express provision in the policy: s 71(b). The words ‘sum insured’ ordinarily indicate a ceiling on recovery in an unvalued policy: Kyzuna Investments Ltd v Ocean Marine Mutual Insurance Assn (Europe) [2000] 1 Lloyd’s Rep 505. 沒有指明受保標的物價值的保單，而在保額作為限額下，該保單將可保價值留待日後以上文所指明的方式確定：《海上保險條例》（第329章）第28條。除非保單另有規定，否則凡在損失或抵達的通知發出後方作出價值的聲明，就該聲明的標的物而言，該保單必須視為不定值保單：第29(4)條。受保人必須從十足的可保價值中抵免他根據任何其他保單所收取的任何款項：第32(2)(c)條。凡受保標的物發生全損，如保單屬不定值保單，彌償限度則為受保標的物的可保價值：第68(b)條。如不定值保單承保的貨品、商品或其他動產，其中有部分發生全損，彌償限度為發生損失部分的可保價值，而確定方法一如全損所採用的確定方法一樣：第71(b)條。「受保款項」一字一般表明不定值保單內追償的上限：Kyzuna Investments Ltd v Ocean Marine Mutual Insurance Assn (Europe) [2000] 1 Lloyd’s Rep 505。 |
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