法律英语词汇“Moral hazard”的翻译、意思、用法、释义-法律词典

单词	Moral hazard
释义	道德風險 In insurance law, the risk of the honesty or moral integrity of the person insured, which can be material to the risk assumed by the insurer: Locker and Woolf Ltd v Western Australian Insurance Co Ltd [1936] 1 KB 408. Any material fact which leads to the inference that the particular proposer is a person, or one of a class of persons, whose proposal for insurance ought to be subjected to special consideration before it can be decided whether it should be accepted at all or accepted at the normal rate: Halsbury’s Laws of Hong Kong, Vol 15, Insurance [220.031]. Consequently, the nationality of origin of the assured, as well as his previous experience of losses, his previous convictions and the fact that another insurer has refused to issue or renew a policy, have been held to be material facts which ought to be disclosed: [220.314]. It is material in relation to motor vehicle insurance to know that the proposer has had convictions for motoring offences recorded against him: The United Insurance Co Ltd v Chan Park Sang [1960] HKLR 267. Facts relating to moral hazards, such as the previous convictions of an insured, may be particularly material to accepting the risks and calculating the premium under burglary insurance or fire insurance: Schoolman v Hall [1951] 1 Lloyd’s Rep 139; Woolcott v Sun Alliance and London Insurance Ltd [1978] 1 All ER 1253, [1978] 1 Lloyd’s Rep 629. 就保險法而言，可能對承保人承擔的風險產生關鍵性影響之受保人的誠信或德操風險：Locker and Woolf Ltd v Western Australian Insurance Co Ltd [1936] 1 KB 408。任何可導致下述推論的重要事實，即一個人或一個類別的人士之特定投保人的保險提案，在決定接受前應予以特別的考慮：Halsbury’s Laws of Hong Kong, 第15冊，保險，第[220.031]段。因此，受保人的國藉，過往曾遭受損失、定罪紀錄、別的承保人曾拒絕發出保單或續保的事實，均已被裁定為重要事實而應作披露：[220.314]。有關汽車保險而言，投保人曾就《交通條例》罪行被定罪乃屬關鍵性：The United Insurance Co Ltd v Chan Park Sang [1960] HKLR 267。涉及道德風險的事實，即受保人的過往定罪紀錄，在接受風險及計算盜竊保險或火險的保費上，尤其重要：Schoolman v Hall [1951] 1 Lloyd’s Rep 139；Woolcott v Sun Alliance and London Insurance Ltd [1978] 1 All ER 1253, [1978] 1 Lloyd’s Rep 629。
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