【正文】 shall be construed as requiring the subscription of a corporation to be under seal. (2) Where a policy is subscribed by or on behalf of two or more insurers, each subscription, unless the contrary by expressed, constitutes a distinct contract with the assured. 24．（1）海上保險單必須由保險人或其代表簽署，假如是（保險）公司出具保險單，則加蓋公司印章即可；但不能把本條規(guī)定解釋為要求公司簽署加蓋印章。 （4）在適用本條規(guī)定時，還應(yīng)考慮制約保險標(biāo)的指定的任何習(xí)慣。 （3）除非保險單另有規(guī)定，申報應(yīng)按裝運的前后依次進行。 重復(fù)保險（Double Insurance） 第32條 重復(fù)保險（Double insurance） 32.(1) Where two or more policies are effected by or on behalf of the assured on the same adventure and interest or any part thereof, and the sums insured exceed the indemnity allowed by this Act, the assured is said to be overinsured by double insurance (2) Where the assured is overinsured by double insurance (a) The assured, unless the policy otherwise provides, may claim payment from the insurers in such order as he may think fit, provided that he is not entitled to receive any sum in excess of the indemnity allowed by this Act。如果被保險人不如此遵守之，除非保險單另有明示規(guī)定，從被保險人違反保證之日起，保險人解除責(zé)任，但不妨礙在違反保證之前產(chǎn)生的任何責(zé)任。 （2）在船舶明文保證中立之情況下，亦存在一項默示條件，即在被保險人能控制的范圍內(nèi)，該船舶應(yīng)適當(dāng)備齊各種證件；亦即，該船舶必須攜帶表明其中立性質(zhì)的必要文件，并不得偽造或隱匿證件或使用假文件。 （5）在船舶定期保險單中，不存在船舶在海上冒險的任何階段應(yīng)當(dāng)適航的默示保證，但若被保險人私謀，將處于不適航狀態(tài)下的船舶派出海，保險人對可歸因于不適航的任何損失不負責(zé)任。 第45條 改變航程（Change of voyage） 45.(1) Where, after the mencement of the risk, the destination of the ship is voluntarily changed from the destination contemplated by the policy there is said to be a change of voyage. (2) Unless the policy otherwise provides, where there is a change of voyage, the insurer is discharged from liability as from the time of change , that is to say, as from the time when the determination to change it is manifested。 第43條 啟航港的變更（Alteration of port of departure） 43. Where the place of departure is specified by the policy, and the ship instead of sailing from that place sails from any other place, the risk does not attach. 43．在保險單已明確規(guī)定了啟航地之情況下，船舶未從該地而是從任何其他地點啟航，保險單不承保該風(fēng)險。 （3）在保險單有關(guān)的航次分不同階段履行之場合，在各個階段中，船舶需要不同種類的裝備或進一步準備，有一項默示保證，在每一階段開始時，為各該階段之目的，船舶就有關(guān)此種準備或裝備是適航的。 (3) 除非明示保證與默示保證相抵觸，明示保證不排除默示保證。 （2）保證可以明示或默示。 第31條 待安排的保險費（Premium to be arranged） 31.(1) Where an insurance is effected at a premium to be arranged, and no arrangements is made, a reasonable premium is payable. (2) Where an insurance is effected on the terms that an additional premium is to be arranged in a given event, and that event happens, but no arrangement is made, then a reasonable additional premium is payable. 31．（1）在待安排的保險費倘未確定而保險業(yè)已生效之場合，被保險人應(yīng)支付合理的保險費。 第29條 船舶預(yù)約保險單（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 the policy, and the value of the goods or other property must be honestly stated, but an omission or erroneous declaration may be rectified even after loss or arrival, provided the omission or declaration was made in good faith. (4) Unless the policy otherwise provides, where a declaration of value is not made until after notice of loss or arrival, the policy must be treated as an unvalued policy as regards the subject to matter of that declaration. 29.(1) 預(yù)約保險單是指保險單僅作籠統(tǒng)的規(guī)定，將船舶的名稱和其他事項在以后申報中確定。 （2）被保險人對于保險標(biāo)的利益的性質(zhì)和范圍無需在保險單中明確規(guī)定。 (4) The sum or sums insured。 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。 (c) Any circumstance as to which information is waived by the insurer。 保險價值（Insurable Value） 第16條 保險價值的確定（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．除保險單的明文規(guī)定或定值外，保險標(biāo)的的保險價值，必須按下列規(guī)定確定： （1）在船舶保險中，保險價值是風(fēng)險開始時的船舶價值，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單載明的航程或海上冒險所可能產(chǎn)生的其他墊付費用加上全部保險費用。 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利益。 第6條 何時應(yīng)具有利益（When interest must attach） 6.（1）The ass