| 单词 | Other insurance clause |
| 释义 | 其他保險條款 A common clause or condition in insurance contracts that excludes or restricts the liabilities of an insurer if the loss is covered by other insurance. Such clauses are common in the competitive market of motor vehicle insurance and are described as ‘non-contribution’ clauses: Halsbury’s Laws of Hong Kong, Vol 15, Insurance [220.195]. In the absence of clear words to the contrary, other insurance clauses are to be interpreted as only operating with respect to other insurance covering the same interest in property: Boris construction Ltd v Commercial Union Assurance Co plc [2001] 1 Lloyd’s Rep 416. There must be another insurance of the same interest if such a condition is to be operative: Portavon Cinema Co Ltd v Price and Century Insurance Co Ltd [1939] 4 All ER 601. See also Double insurance. 保險合約中的一項一般條款或條件，即就已有其他保險承保的損失免除或限制承保人的法律責任。這類條款在市場競爭大的汽車保險很普遍，並被描述為「不分擔」條款：Halsbury’s Laws of Hong Kong, 第15冊，保險，第[220.195]段。在沒有清晰的相反字句的情形下，其他保險條款只會被解釋為就其他承保財產同一權益的有關保險有效：Boris construction Ltd v Commercial Union Assurance Co plc [2001] 1 Lloyd’s Rep 416。如欲此等條款生效，則必須有另一份具有同一權益的保險：Portavon Cinema Co Ltd v Price and Century Insurance Co Ltd [1939] 4 All ER 601。另見 Double insurance。 |
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