【正文】 單是由兩個或兩個以上認可保險份額的保險人或其代表出具之情況下，除非另有明示相反約定，每一簽署構成與被保險人的獨立合同。若被保險人未作此種告知，保險人可以撤消合同。 第14條 利益數(shù)額（Quantum of interest） 14.(1) Where the subjectmatter insured is mortgaged, the mortgagor has an insurable interest in the full value thereof, and the mortgagee has an insurable interest in respect of any sum due or to bee due under the mortgage. (2) A mortgagee, consignee, or other person having an interest in the subjectmatter insured may insure on behalf and for the benefit of other persons interested as well as for his own benefit. (3) The owner of insurable property has an insurable interest in respect of the full value thereof, notwithstanding that some third person may have agreed, or be liable, to indemnify him in case of loss. 14．（1）在保險標的被抵押之場合，抵押人對抵押物的全部價值有保險利益，而抵押權人對抵押貸款合同下其所付的或應付的有關金額有保險利益。 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合同無效。 （b）由于保險財產暴露于海上危險之中而危及的任何運費，客票款，傭金，利潤或其他錢財上的利益，或任何預付款，貸款，或墊付費用的擔保。 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。 (c) Any circumstance as to which information is waived by the insurer。 (4) The sum or sums insured。 第29條 船舶預約保險單（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）保證可以明示或默示。 （3）在保險單有關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，船舶就有關此種準備或裝備是適航的。 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。 （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，該船舶應適當備齊各種證件；亦即，該船舶必須攜帶表明其中立性質的必要文件，并不得偽造或隱匿證件或使用假文件。 重復保險（Double Insurance） 第32條 重復保險（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。 （4）在適用本條規(guī)定時，還應考慮制約保險標的指定的任何習慣。 (b) 及被保險人有義務告知的每一重要情況,除非他得知該情況過遲,無法及時通知該代理人. 第20條 協(xié)商合同時的陳述（Representations pending negotiation of contract） 20.①Every material representation made by the assured or his agent to the insurer during the negotiations for the contract and before the contract is concluded, must be true. If it be untrue the insurer may avoid the contract. ②A representation is material which would influence the judgment of a prudent insurer in fixing the premium, or determining whether he will take the risk. ③A representation may be either a representation as to a matter of fact, or as to a matter of expectation or belief. ④A representation as to a matter of fact is true, if it be substantially correct, that is to say, if the difference between what is represented and what is actually correct would not be considered material by a prudent insurer. ⑤A representation as to a matter of expectation or belief is true if it be made in good faith. ⑥A representation may be withdrawn or corrected before the contract is concluded. ⑦Whether a particular representation be material or not is, in each case, a question of fact. 20.①在協(xié)商合同期間及訂立合同前,被保險人或其代理人向保險人作出的每一重要陳述必須真實,若其不真實,保險人可以撤消合同. ②影響謹慎的保險人確定保險費的評價或決定是否承保該項風險的陳述,即為重要陳述. ③一項陳述既可以是有關事實,也可以是關于期望或是關于信念的陳述. ④若一項關于事實的陳述實質上是準確的,它便是真實的,亦即,如果陳述內容與實際情況有差異,謹慎的保險人并不認為是重要的. ⑤若被保險人依誠信作出期望或信念的陳述,該陳述即是真實的. ⑥陳述在訂立合同前可以撤回或更正. ⑦在每一案件中,某一特定的陳述是否重要,屬事實問題. 第21條 何時合同視為成立（When contract is deemed to be concluded） 21．A contract of marine insurance is deemed to be concluded when the proposal of the assured is accepted by the insurer, whether the policy be then issued or not and, for the purpose of showing when the proposal was accepted, reference may be made to the slip or covering note or other customary memorandum of the contract. 21．保險人接受被保險人的投保單后，無論當時是否已簽發(fā)保險單，海上保險合同應視為已經成立；為表明該投保單何時被接受，可以參考承保條或暫保單或其他合同習慣的備忘錄。 （2）在運費保險中，無論運費是否預付，保險價值是指被保險人處于風險中的總運費加上保險費。 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