| 单词 | Property insurance |
| 释义 | 財產保險 An indemnity insurance which provides protection for the insured against damage to or loss of property. Property includes money: Interpretation and General Clauses Ordinance (Cap 1) s 3. Unless special provision is made, an insurance on property does not cover a liability incidentally arising from or connected with the property. Thus, for example, if a ship is insured against loss or damage, this insurance does not cover the owners’ liability to pay wages, or to provide subsistence to the crew, while the ship is being repaired: De Vaux v Salvador (1836) 4 Ad & El 420. However, it is different where a person by contract or otherwise is responsible for the safe custody of property; his potential liability to the true owner in such a case may well be the foundation, in whole or in part, of his having an insurable interest up to the full value of the property: North British and Mercantile Insurance Co v London, Liverpool and Globe Insurance Co (1877) 5 Ch D 569 (CA). See also Fire; Fire insurance; Indemnity; Indemnity insurance. 為受保人針對財物損毀或損失而提供保障的賠償保險。財物包括金錢： 《釋義及通則條例》（第 1章）第3條。 除非訂下特別的條文， 否則財物保險並不覆蓋由財產引起或與財物有關的附帶法律責任。因而例如如船舶針對損失或損毀而投購保險， 此保險並不包括在船舶維修時物主繳付工資的法律責任或對船員提供生活費： De Vaux v Salvador (1836) 4 Ad & El 420。但如由於合約或其他方法使某人有責任安全保管有關的財物, 情況則不同； 在此情況下, 他對真正物主的潛在法律責任可全部或部分成為他得到可保權益至財產全部價值的基礎: North British and Mercantile Insurance Co v London, Liverpool and Globe Insurance Co (1877) 5 Ch D 569（英國上訴法院） 。另見 Fire; Fire insurance; Indemnity; Indemnity insurance。 |
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