| 单词 | Valuation clause |
| 释义 | 估值條款 A clause in a marine insurance policy providing that, in ascertaining whether a vessel is a constructive total loss, the insured value is taken as the repaired value and noting in respect of the breakup value of the vessel or wreck is taken into account: Hall v Hayman [1912] 2 KB 5. For example, if a vessel that has been worth $800,000 is so damaged that the vessel is not worth repairing, but, this fact being unknown to the assured, he effects an insurance upon the vessel, whilst in that condition, by a policy for $600,000 valued at $800,000, and after the policy has attached the vessel is wholly destroyed by a storm, the valuation is binding and the assured is entitled to recover $600,000: Woodside v Globe Marine Insurance Co Ltd [1896] 1 QB 105. The parties are, however, only bound by the valuation as far as it goes, and it is therefore always permissible for the underwriter to show that part only of the subject matter intended to be valued in the policy was actually at risk: Marine Insurance Ordinance (Cap 329) s 75(2). See also Constructive total loss; Total loss only; Vessel; Wreck. 海上保險保單中的一項條款，指明在確定某船舶是否為法律構定全損時，會以投保價值作為維修價值，而不會顧及任何有關船舶或殘骸的分拆價值：Hall v Hayman [1912] 2 KB 5。舉例說，倘若價值800,000元的船舶遭受嚴重損毀，不值得維修該船舶，但有關受保人並不知悉此事實而為該船舶購買保險。在這情況下，以600,000元購買保單，並定值為800,000元，而在該船舶受保之後，該船因暴風雨而完全毀壞，該估值仍具約束力，而受保人享有追討600,000元的權利：Woodside v Globe Marine Insurance Co Ltd [1896] 1 QB 105。但有關的立約人僅受到估值現行狀況的約束，並因此准許承保人顯示只有保標的物的部分是在保單所承保的風險範圍內：《海上保險條例》(第 329章) 第75(2)條。另見Constructive total loss; Total loss only; Vessel; Wreck。 |
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