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保险利益原则是保险合同四大基本原则之一,保险合同的订立要求投保人对保险标的应具有保险利益。责任保险作为财产保险的主要险种,毫无例外应遵循此原则。本文拟对责任保险保险利益的相关问题作一探讨,希望能有助于责任保险在我国的健康发展。 一、责任保险保险利益的构成要素及实践意义 《保险法》第十一条中规定,保险利益是指投保人对保险标的具有的法律上承认的利益。在财产险中,这种利益通常体现为:(1) 财产所有人或经营管理人对所占有财产的经济利益;(2) 对某项财产有直接利害关系的人所具有的利益,如抵
The principle of insurance interest is one of the four basic principles of insurance contract. The conclusion of insurance contract requires that the insured person should have insurance benefits to the subject matter of insurance. Liability insurance as the main insurance of property insurance, without exception, should follow this principle. This article intends to discuss the related issues of liability insurance and insurance interests, hoping to contribute to the healthy development of liability insurance in our country. First, the liability insurance liability components and practical significance of the “Insurance Law,” Article XI stipulates that insurance interests refers to the insured object of the insurance has a legally recognized interest. In property insurance, this kind of benefit usually manifests as: (1) the economic benefits to the property owned by the owner or the manager of the property; (2) the benefit to those who have a direct interest in the property, for example,