| 单词 | Inherent vice |
| 释义 | 固有缺點 In relation to goods, a vice which is an innate, natural or normal quality of the goods. Insurance - An innate characteristic of goods that causes them to deteriorate as a result of their natural behaviour in the ordinary course of the contemplated voyage, without the intervention of any fortuitous external accident or casualty: T M Noten BV v Harding [1990] 2 Lloyd’s Rep 283 (CA). Anything which by reason of its own inherent qualities is lost without any negligence by anyone: Greenshields, Cowie & Co v Stephens & Sons Ltd [1908] AC 431 (HL). For example, if goods are damaged because they were wet when shipped, the damage is said to be a result of inherent vice: T M Noten BV v Harding, supra. Unless the policy provides otherwise, an insurer is not liable to indemnify an insured for any loss caused by inherent vice: Marine Insurance Ordinance (Cap 329) s 55(2)(c). 就有關貨物而言，指該等貨物固有、自然或正常的質素。 保險 - 指貨物的固有特點引致它們在沒有偶然的外在意外或災害的干預下，在一般預期中的航程中因其自然行為而變壞：T M Noten BV v Harding [1990] 2 Lloyd’s Rep 283（上訴法院）。亦指在沒有任何人的疏忽情況下，因自己的固有缺點而滅失的任何東西：Greenshields, Cowie & Co v Stephens & Sons Ltd [1908] AC 431（高等法院）。例如貨物在運送途中，因弄濕而引起損壞，該等損壞會被視為因固有缺點而引起的損壞：T M Noten BV v Harding, 見上文。除非保單另有規定，否則保險人對受保標的物的固有缺點而造成的任何損失，不負有作出彌償的法律責任：《海上保險條例》（第329章）第55條(2)(c)。 |
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