【正文】 or respeondentia has an insurable interest in respect of the loan. 10．以船、貨為抵押物的貸款方對(duì)其貸款有保險(xiǎn)利益。 （2）特別是，如貨物買方已將該批貨物保險(xiǎn)，他就對(duì)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)。 （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。 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(wú)效。此種財(cái)產(chǎn)在本法中被稱為“可保財(cái)產(chǎn)”。 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。 （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(rùn)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。 （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(duì)保險(xiǎn)標(biāo)的無(wú)本法規(guī)定的保險(xiǎn)利益，而且在締約后仍無(wú)獲得此種保險(xiǎn)利益的可能； (b) 保險(xiǎn)單是按“無(wú)論有無(wú)保險(xiǎn)利益”，或“除保險(xiǎn)單本身外，再無(wú)具有保險(xiǎn)利益的證明”，或“保險(xiǎn)人無(wú)救助利益”等條件，或按其他類似條件訂定的。 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(wú)需對(duì)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(duì)其具有利益。 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11條 船長(zhǎng)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(zhǎng)或船員對(duì)其工資有保險(xiǎn)利益。 （2）抵押權(quán)人、收貨人或?qū)ΡｋU(xiǎn)標(biāo)的有利益的其他人，除為了自已的利益外，得代表和為其他有利害關(guān)系的人的利益進(jìn)行保險(xiǎn)。 保險(xiǎn)價(jià)值（Insurable Value） 第16條 保險(xiǎn)價(jià)值的確定（Measure of insurable value） 16. Subject to any express provision or valuation in the policy, the insurable value of the subjectmatter insured must be ascertained as follows: (1) In insurance on ship, the insurable value is the value at the mencement of the risk, of the ship, including her outfit, provisions and stores for the officers and crew, money advanced for seamen’s wages, and other disbursements (if any) incurred to make the ship fit for the voyage or adventure contemplated by the policy, plus the charges of insurance upon the whole: The insurable value, in the case of a steamship, includes also the machinery, boilers, and coals and engine stores if owned by the assured, and, in the case of a ship engaged in a special trade, the ordinary fittings requisite for that trade: (2) In insurance on freight, whether paid in advance or otherwise, the insurable value is the gross amount of the freight at the risk of the assured, plus the charges of insurance: (3) In insurance on goods or merchandise, the insurable value is the prime cost of the property insured, plus the expenses of and incidental to shipping and the charges of insurance upon the whole: (4) In insurance on any other subjectmatter, the insurable value is the amount at the risk of the assured when the policy attaches, plus the charges of insurance. 16．除保險(xiǎn)單的明文規(guī)定或定值外，保險(xiǎn)標(biāo)的的保險(xiǎn)價(jià)值，必須按下列規(guī)定確定： （1）在船舶保險(xiǎn)中，保險(xiǎn)價(jià)值是風(fēng)險(xiǎn)開始時(shí)的船舶價(jià)值，包括船舶的裝備、全體船員的食物與其他物料、預(yù)付給船員的工資以及為使船舶適合航行于保險(xiǎn)單載明的航程或海上冒險(xiǎn)所可能產(chǎn)生的其他墊付費(fèi)用加上全部保險(xiǎn)費(fèi)用。 （4）在其他保險(xiǎn)中，保險(xiǎn)價(jià)值是保險(xiǎn)單生效時(shí)被保險(xiǎn)人處于風(fēng)險(xiǎn)中的金額加上保險(xiǎn)費(fèi)用。 (c) Any circumstance as to which information is waived by the insurer。 (2) 影響謹(jǐn)慎的保險(xiǎn)人確定保險(xiǎn)費(fèi)的決定或決定是否承保該項(xiàng)風(fēng)險(xiǎn)的每一情況，即屬重要情況。 第19條 投保代理人的告知（Disclosure by agent effecting insurance） 19．Subject to the provisions of the preceding section as to circumstances which need not be disclosed where an insurance is effected for the assured by an agent, the agent must disclose to the insurer (a) Every material circumstance which is known to himself, and an agent to insure is deemed to know every circumstance which in the ordinary course of business ought to be known by, or to have been municated to, him。保險(xiǎn)單可在海上保險(xiǎn)合同成立時(shí)或以后簽發(fā)。 (4) The sum or sums insured。 第25條 航次保險(xiǎn)單和定期保險(xiǎn)單（Voyage and time policies） 25.(1) Where the contract is to insure the subjectmatter at and from, or from one place to another or others, the policy is called a “voyage policy” and where the contract is to insure the subjectmatter for a definite period of time the policy is called a “time policy”. A contract for both voyage and time may be included in the same policy. (2) Subject to the provisions of section eleven of the Finance Act, 1901, a time policy which is made for any time exceeding twelve months is invalid.) 25．（1）在保險(xiǎn)合同承保保險(xiǎn)標(biāo)的“在和從”或“從”某一地點(diǎn)運(yùn)送至另一地點(diǎn)或其他地點(diǎn)之場(chǎng)合，該保險(xiǎn)單稱作“航次保險(xiǎn)單”；在保險(xiǎn)合同承保保險(xiǎn)標(biāo)的某一段固定期間之情況下，該保險(xiǎn)單叫做“定期保險(xiǎn)單”。 （2）被保險(xiǎn)人對(duì)于保險(xiǎn)標(biāo)的利益的性質(zhì)和范圍無(wú)需在保險(xiǎn)單中明確規(guī)定。 （2）定值保險(xiǎn)單指載明保險(xiǎn)標(biāo)的的約定價(jià)值的保險(xiǎn)單。 第29條 船舶預(yù)約保險(xiǎn)單（Floating policy by ship or ships） 29.(1) A floating policy is a policy which describes the insurance in general terms, and leaves the name of the ship or ships and other particulars to be defined by subsequent declaration. (2) The subsequent declaration or declarations may be made by endorsement on the policy, or in other customary manner. (3) Unless the policy otherwise provides, the declarations must be made in the order of dispatch or shipment. They must, in the case of goods, prise all consignments within the terms of