| 单词 | Time policy |
| 释义 | 定期保單 In marine insurance law, a contract to insure a subject matter for a definite period of time: Marine Insurance Ordinance (Cap 329) s 25. The word ‘definite’ means ‘specified’. The period is sufficiently specified if the policy specifies a stated period, even though that period is determinable on notice, and even though the insurance will be renewed or continued automatically at the end of the period unless determined, or will continue under a continuation clause: Compania Maritima San Basilio SA v Oceanus Mutual Underwriting Association (Bermuda) Ltd, The Eurysthenes [1977] 1 QB 49, [1976] 3 All ER 243 (CA). A time policy, however, may be effected retrospectively by the insertion of the ordinary clause ‘lost or not lost’; for instance if a policy is effected on 15 August to commence on the first day of the same month, it will cover any losses occurring on or after 1 August. A time policy will cover any loss, whether total or partial, occurring during the insured period, even though the extent of the loss is only ascertained after the period has expired. It is common for a time policy to exclude a voyage or service over certain geographical areas either entirely or for certain seasons of the year: Burrell v Dryer (1884) 9 App Cas 545. See also Marine insurance; Voyage policy. 就海上保險法而言，指所承保的標的物是就某一指定期間而受保的合約：《海上保險條例》（第329章）第25條。「指定」即「訂明」。如有關的保單訂明規定的期間，則即使該等期間可籍通知終結，並即使有關的保險在有關的期間結束時會續期或自動續期（除非終止），或根據延續的條款繼續，有關的期間已屬充分訂明： Compania Maritima San Basilio SA v Oceanus Mutual Underwriting Association (Bermuda) Ltd, The Eurysthenes [1977] QB 49, [1976] 3 All ER 243（英國上訴法院）。但可藉加插「滅失或沒有滅失」的一般條款追溯定期保單的效力；例如倘若某份以相同月份的第一天展開的保單在8月15日生效，則該保單會覆蓋任何在8月1日或以後發生的任何損失。即使在保險期間屆滿後，才可確定有關損失的程度，定期保單會覆蓋任何全部或局部在受保期間內發生的損失。通常會在定期保單排除在若干地域全部或年內若干季節的航程或服務的法律責任：Burrell v Dryer (1884) 9 App Cas 545。另見Marine insurance; Voyage policy。 |
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