随着国内海上保险市场竞争格局的逐步形成，近年来船舶保险费率的大幅度提高和船东法律意识的增强，船东越来越重视利用保险合同条款并在必要时诉诸法律手段，来保护自身利益。中国人民保险公司1986年1月1日修订之供远洋船舶和外轮使用的“船舶保险条款”有诸多不明确之处，隐 With the gradual formation of the competition pattern in the domestic marine insurance market, in recent years the substantial increase in the insurance rates of ships and the increase in the legal awareness of shipowners has led shipowners to pay more and more attention to using the terms of insurance contracts and resorting to legal measures when necessary Protect their own interests. The People’s Insurance Company of China revised its clauses on “ship insurance” for ocean-going vessels and outer vessels as amended on January 1, 1986, with many uncertainties.