| 单词 | Valued policy |
| 释义 | 定值保單 An insurance policy which specifies the agreed value of the subject matter insured: Marine Insurance Ordinance (Cap 329) s 27(2). In a valued policy the blank in the valuation clause is filled up with the sum at which the parties agree to value the subject matter insured. Unless the policy is voidable on the ground of fraud or for some other reason, the value fixed by the policy is, as between the insurer and the assured, conclusive of the value of the subject intended to be insured whether the loss is total or partial: s 27(3); Re Tai Sun Insurance & Banking Co Ltd (1920) 15 HKLR 80 (FC). The assured must give credit as against the valuation for any sum received by him under any other policy without regard to the actual value of the subject matter insured: s 32(2)(b). Where part of the goods, merchandise or other movables insured by a valued policy is totally lost, then, subject to any express provision of the policy, the measure of indemnity is such proportion of the sum fixed by the policy as the insurable value of the part lost bears to the insurable value of the whole, ascertained as in the case of an unvalued policy: s 71(a). See also Insurance contract; Total loss; Unvalued policy. 指明受保標的物的協定價值的保單：《海上保險條例》（第329章）第27(2)條。在定值保單中價值條款的空白地方，可填寫立約人就投保之標的物的價值所議定的款額。除非有關的保單可藉欺詐或若干其他理由予以無效，否則保單所定的價值，就保險人與受保人之間而言，對擬投保之標的物之可保價值，即作定論，不論損失屬於全損或部分損失：第 27(3)條; Re Tai Sun Insurance & Banking Co Ltd (1920) 15 HKLR 80（全體法院）。受保人必須從估值中抵免他根據任何其他保單所收取的任何款項，但不得顧及受保標的物的實際價值：第 32(2)(b)條。除保單的任何明訂條文另有規定外，如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，則彌償限度為該保單所定款額中的一個份額，該份額為發生損失部分的可保價值在全部的可保價值中所佔的份額，而確定方法一如不定值保單所採用的確定方法一樣：第 71(a)條。另見 Insurance contract; Total loss; Unvalued policy。 |
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