| 单词 | Underinsurance |
| 释义 | 不足額保險 An amount of insurance effected for less than the full value of the interest or property insured. Where the assured is insured for an amount less than the insurable value or, in the case of a valued policy, for an amount less than the policy valuation, he is deemed to be his own insurer in respect of the uninsured balance: Marine Insurance Ordinance (Cap 329) s 81. The doctrine of underinsurance only applies when the policy is not for the full amount of the valuation: In The Matter of The Tai Sun Insurance & Banking Co Ltd (In Liquidation) (HCMP 33/18, unreported). Underinsurance may be caused by a warranty of value that does not reflect the insured’s subject matter’s true worth or [R1] on average that provision divides the loss proportionally between insurer and insured. See also Marine insurance policy; Overinsurance. 以少於投保權益或財產的十足價值購買保險的款額。凡受保人投保的款額少於可保價值或（如屬定值保單）少於保單的估值，就未受保的餘額而言，受保人即當作為其本人的保險人：《海上保險條例》（第329章）第81條。不足額保險的原則僅在保單的款額並非估值的全數時適用：In The Matter of The Tai Sun Insurance & Banking Co Ltd (In Liquidation) （高院雜項1918年第33號，未經彙報）。沒有反映受保人標的事項的真正價值的價值保證條款，或該條文通常將保險人及受保人的損失合乎比例地攤分，可導致不足額保險。另見 Marine insurance policy; Overinsurance。 n. |
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