【正文】 1906海上保險(xiǎn)法 海上保險(xiǎn)（Marine Insurance） 第1條：海上保險(xiǎn)的定義（Marine insurance defined） A contract of marine insurance is a contract whereby the insurer undertakes to indemnify the assured, in manner and to the extent thereby agreed, against marine losses, that is to say, the losses incident to marine adventure. 海上保險(xiǎn)合同，是一種保險(xiǎn)人按照約定的方式和范圍，對與海上冒險(xiǎn)有關(guān)的海上滅失，向被保險(xiǎn)人承擔(dān)賠償責(zé)任的合同。 第2條 海陸混合風(fēng)險(xiǎn) （Mixed sea and land risks） 2.(1) A contract of marine insurance may, by its express terms, or by a usage of trade, be extended so as to protect the assured against losses on inland water or on any land risk which may be incidental to any sea voyage. (2) Where a ship in course of building, or the launch of a ship, or any adventure analogous to a marine adventure, is covered by a policy in the form of a marine policy, the provisions of this Act, in so far as applicable, shall apply thereto；but, except by this section provided, nothing in this Act shall alter or affect any rule of law applicable to any contract of insurance other than a contract of marine insurance as by this Act defined. (1)海上保險(xiǎn)合同，得用明示條款或經(jīng)由某種貿(mào)易習(xí)慣，擴(kuò)展保障被保險(xiǎn)人在與海上航程有關(guān)的內(nèi)河或任何陸地風(fēng)險(xiǎn)中的損失。 (2)如果用海上保險(xiǎn)單格式的保險(xiǎn)單，承保建造中的船舶，或者船舶下水，或類似海上冒險(xiǎn)的任何冒險(xiǎn)，本法中的各項(xiàng)規(guī)定，只要是可適用者，均得適用之；但除本條規(guī)定者外，本法的任何規(guī)定，都不能改變或影響任何適用于本法規(guī)定的海上保險(xiǎn)合同以外的保險(xiǎn)合同的法律規(guī)定。 第3條 海上冒險(xiǎn)與海上危險(xiǎn)的定義（Marine adventure and maritime perils defined ） 3.(1) Subject to the provisions of this Act, every lawful marine adventure may be the subject of a contract of marine insurance. (2) In particular there is a marine adventure where (a) Any ship, goods or other movables are exposed to maritime perils. Such property is in the Act referred to as “insurable property.” (b) The earning or acquisition of any freight, passage money, mission, profit or other pecuniary benefit, or the security for any advances, loans or disbursements, is endangered by the exposure of insurance property to maritime perils. (c) Any liability to a third party may be incurred by the owner of, or other person interested in or responsible for, insurable property, by reason of maritime perils. 3(1) 受本法規(guī)定的制約，每一合法的海上冒險(xiǎn)得為海上保險(xiǎn)合同的標(biāo)的。 (2) 特別是以下各項(xiàng)屬于海上冒險(xiǎn)： （a）受海上危險(xiǎn)影響的任何船舶，貨物或其他動產(chǎn)。此種財(cái)產(chǎn)在本法中被稱為“可保財(cái)產(chǎn)”。 （b）由于保險(xiǎn)財(cái)產(chǎn)暴露于海上危險(xiǎn)之中而危及的任何運(yùn)費(fèi)，客票款，傭金，利潤或其他錢財(cái)上的利益，或任何預(yù)付款，貸款，或墊付費(fèi)用的擔(dān)保。 （c）保險(xiǎn)財(cái)產(chǎn)的所有人或其他對其有利益或有責(zé)任的當(dāng)事人由于海上風(fēng)險(xiǎn)的原因?qū)Φ谌疆a(chǎn)生的任何責(zé)任。” 保險(xiǎn)利益（Insurable Interest） 第4條 賭博合同無效（Avoidance of wagering or gaming contracts） 4.(1) Every contract of marine insurance by way of gaming or wagering is void. (2) A contract of marine insurance is deemed to be a gaming or wagering contract (a) Where the assured has not an insurable interest as defined by this Act and the contract is entered into with no expectation of acquiring such an interest。 or (b) Where the policy is made “interest or no interest” or “without further proof of interest than the policy itself”, or “without benefit of salvage to the insurer”, or subject to any other like term. Provided that, where there is no possibility of salvage, a policy may be effected without benefit of salvage to the insurer. 4．（1）用作賭博的海上保險(xiǎn)合同無效。 （2）海上保險(xiǎn)合同在下列情況下，被認(rèn)為是賭博合同： (a) 被保險(xiǎn)人對保險(xiǎn)標(biāo)的無本法規(guī)定的保險(xiǎn)利益，而且在締約后仍無獲得此種保險(xiǎn)利益的可能； (b) 保險(xiǎn)單是按“無論有無保險(xiǎn)利益”，或“除保險(xiǎn)單本身外，再無具有保險(xiǎn)利益的證明”，或“保險(xiǎn)人無救助利益”等條件，或按其他類似條件訂定的。但是，如無救助的可能，保險(xiǎn)單可以按保險(xiǎn)人無救助利益的條件簽訂。 第5條 保險(xiǎn)利益的定義（Insurable interest defined） 5.（1）Subject to the provisions of this Act, every person has an insurable interest who is interested in a marine adventure. （2） In particular, a person is interested in a marine adventure where he stands in any legal or equitable relation to the adventure or to any insurable property at risk therein, in consequence of which he may benefit by the safety or due arrival of insurable property, or may be prejudiced by its loss, or by damage thereto, or by the detention thereof, or may incur liability in respect thereof. （1）根據(jù)本法各條規(guī)定，與海上冒險(xiǎn)有利益關(guān)系的每一個(gè)人具有保險(xiǎn)利益。 （2）一個(gè)人與海上冒險(xiǎn)有利益關(guān)系，尤其是在他與該冒險(xiǎn)或處在危險(xiǎn)中的任何保險(xiǎn)財(cái)產(chǎn)，具有任何法律上或衡平的關(guān)系，因而若保險(xiǎn)財(cái)產(chǎn)安全或及時(shí)抵達(dá)他便能從中獲取利益；反之，如果保險(xiǎn)財(cái)產(chǎn)滅失，損壞，或被滯留或招致有關(guān)責(zé)任，他的利益將受到損害。 第6條 何時(shí)應(yīng)具有利益（When interest must attach） 6.（1）The assured must be interested in the subjectmatter insured at the time of loss though he need not be interested when the insurance is effected. （2）Where the assured has no interest at the time of the loss, he cannot acquire interest by any act or election after he is aware of the loss. （1）雖然投保時(shí)被保險(xiǎn)人無需對保險(xiǎn)標(biāo)的具有利益，但在保險(xiǎn)標(biāo)的滅損時(shí)，他必須對其具有利益。 （2）如果被保險(xiǎn)人在滅損當(dāng)時(shí)不具有利益，他不能在他知曉該滅損后，通過任何行為或選擇而獲取利益。 第7條 可撤銷的利益或偶然的利益（Defeasible or contingent interest） 7.(1) A defeasible interest is insurable, as also is a contingent interest. (2) In particular, where the buyer of goods has insured them, he has an insurable interest, notwithstanding that he might, at his election, （1）可撤銷的利益是保險(xiǎn)利益，偶然的利益亦然。 （2）特別是，如貨物買方已將該批貨物保險(xiǎn)，他就對該批貨物具有保險(xiǎn)利益，盡管由于賣方交貨延誤或其他原因，致使被保險(xiǎn)人可能選擇拒收貨物，或?qū)⒇浳镆曌髻u方風(fēng)險(xiǎn)。 第8條 部分利益（Partial interest） 8. A partial interest of any nature is insurable. 8．任何性質(zhì)的部分利益均可承保。 第9條 再保險(xiǎn)（Reinsurance） 9(1) The insurer under a contract of marine insurance has an insurable interest in his risk, and may reinsure in respect of it. (2) Unless the policy otherwise provides, the original assured has no right or interest in respect of such reinsurance. 9．（1）海上保險(xiǎn)合同中的保險(xiǎn)人對其承保的風(fēng)險(xiǎn)有保險(xiǎn)利益，并可將有關(guān)風(fēng)險(xiǎn)再保險(xiǎn)。 （2）除非保險(xiǎn)單另有規(guī)定，原被保險(xiǎn)人對此種再保險(xiǎn)沒有權(quán)利或利益。 第10條 （以船、貨為抵押物的）抵押貸款（Bottomry） 10. The lender of money on bottomry or respeondentia has an insurable interest in respect of the loan. 10．以船、貨為抵押物的貸款方對其貸款有保險(xiǎn)利益。 第11條 船長和船員的工資（Master’s and seamen’s wages） 11. The master or any member of the crew of a ship has an insurable interest in respect of his wages. 11．船長或船員對其工資有保險(xiǎn)利益。 第12條 預(yù)付運(yùn)費(fèi)（Advance freight） 12. In the case of advance freight, the person advancing the freight has an insurable interest, in so for as much freight is not repayable in case of loss. 12．預(yù)付運(yùn)費(fèi)的人對在損失后不能收回的預(yù)付運(yùn)費(fèi)有保險(xiǎn)利益。 第13條 保險(xiǎn)費(fèi)（Charges of insurance） 13. The assured has an insurable interest in the charges of any insurance which be may effect. 13．被保險(xiǎn)人對其應(yīng)支付的保險(xiǎn)費(fèi)具有保險(xiǎn)利益。 第14條 利益數(shù)額（Quantum of interest） 14.(1) W