单词 | Agreed value policy |
释义 | 協定價值保單 An agreement by an insurer to pay a fixed sum in the event of the insured’s loss, irrespective of the value of the subject property at the time of the loss. The declaration by the insurer of the property’s value as stated either in the proposal or the policy itself does not necessarily constitute an agreed value policy, as the former is merely providing the insurer with information upon which it may assess the value of the risk being insured: Carreras Ltd v Cunard Steamship Co Ltd [1918] 1 KB 118. It may also be applicable to a written memorandum providing temporary insurance until the policy is issued. See also Agreed value clause. 當受保人蒙受損失時,不論受保障標物在損失時的價值,承保人預先同意支付的定額款項。承保人在計劃書或保單內聲明受保財物的價值並不一定構成一份協定價值保單,因為該數字只是承保人評估承擔風險的資料:Carreras Ltd v Cunard Steamship Co Ltd [1918] 1 KB 118。這亦適用於保單簽發前的提供臨時保障的書面備忘錄。另見 Agreed value clause。 |
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