| 单词 | Presumption of insurer's knowledge |
| 释义 | 保險人所知的推定 In marine insurance, the assured is entitled to assume that the insurer is acquainted with matters of common notoriety or knowledge, and matters which an insurer in the ordinary course of his business as such ought to know, and therefore need not communicate to the insurer facts as to that usage Marine Insurance Ordinance (Cap 329) s 18(3)(b). For instance, the general nature and circumstance of the branch of trade to which the policy relates: North British Fishing Boat Insurance Co Ltd v Starr (1922) 13 Ll L Rep 206. Even if the trade is newly established, usages are presumed to be known to the insurer: Noble v Kennoway (1780) 2 Doug KB 510; 99 ER 326. An insurer is presumed to know if war is imminent, or that a state of war exists in some remote part of the world: Schloss Bros v Stevens [1906] 2 KB 665. See also Insurance; Insurance contract. 在海險, 受保人有權假設保險人熟悉昭彰或眾所週知的事宜，以及一名保險人在通常業務運作中所應該知道的事宜；,因而不需就該慣例的事實而傳達保險人:《海上保險條例》（第329章）第18(3)(b條。例如與保單有關的業務分行的一般性質和情況: North British Fishing Boat Insurance Co Ltd v Starr (1922) 13 Ll L Rep 206。即使業務剛成立, 推定保險人已知慣例: Noble v Kennoway (1780) 2 Doug 510; 99 ER 326。如戰爭即將發生或在世界上某遠距離的地方有戰爭狀況, 推定保險人知情 : Schloss Bros v Stevens [1906] 2 KB 665。另見 Insurance; Insurance contract。 |
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