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单词 Fire insurance
释义 火險
A policy which indemnifies the insured against loss or damage of property caused by fire. The protection under such policy normally extends to losses caused by events which are frequently the cause of fire as well as events other than fire such as lightning and explosion. Generally, the cause of fire is immaterial unless the fire was deliberately lit by the insured or a third party with the knowledge or the authority of the insured (Harris v Poland [1941] 1 KB 462) or the fire was caused by an excepted peril (Re Hooley Hill Rubber & Chemical Co Ltd & Royal Insurance Co Ltd [1920] 1 KB 257. See also All risks insurance; Exclusion clause; Fire; Indemnity; Indemnity insurance; Property insurance.
對受保人就火災引致的損失或財產損害作出彌償的保險單。在此等保單下所作出的保障通常會引申而適用於經常引致火災的事故所造成的損失,亦包括除了火災外的事故,例如閃電或爆炸。概括而言,除非火災是由受保人或在受保人知情或授權的情況下由第三方點燃 (Harris v Poland [1941] 1 KB) 或火災是因例外的嚴重危險引致(Re Hooley Hill Rubber & Chemical Co Ltd & Royal Insurance Co Ltd [1920] 1 KB 257),否則火災的因由並不具關鍵性。另見 All risks insurance; Exclusion clause; Fire; Indemnity; Indemnity insurance; Property insurance。
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更新时间:2025/6/20 14:03:52