1、Lecturer: Ye Chenghui2022-5-201 1 Principle of Indemnity Principle of Indemnity2022-5-20 Insurance2 21.1 Meaning of Indemnity and other related concepts1.2 Limit Condition of Indemnity1.3 Way of damages1.4 significance of insisting on the principle of indemnity 1.5 Exception to the principle indemni

2、ty2022-5-20 Insurance3 3It can be defined as exact financial compensation.It is sufficient to place the insured in the same financial position after a loss as he can enjoy the benefit before it occurs.The Meaning of Indemnity2022-5-20 Insurance4 4In property insurance, the payment made to an insured

3、 cannot exceed the extent of his insurance interest.There often are cases where the insured receive less than the value of their insurance interest. .The principle of indemnity relies on financial evaluation.indemnity links with insurable interest2022-5-20 Insurance5 5How does an insurer provide ind

4、emnity?Cash paymentRepair Replacement Reinstatement 2022-5-20 Insurance6 6 Marine insuranceMarine insuranceUnvalued policyValued policy Property insuranceProperty insuranceBy its value at the date of the loss and the place of loss PrecuniaryPrecuniary insurance insurance Based on actual financial lo

5、ss suffered by the insured Liability insuranceLiability insuranceThe amount of any award made by the court or an out-of court settlement negotiatedSalvageSalvage Abandonment Abandonment measurement of indemnity2022-5-20 Insurance7 7Be limited to the actual loss（以實(shí)際損失為限）Be limited to the sum insured（

6、以保險(xiǎn)金額為限）Be limited to insurance interests（以保險(xiǎn)利益為限）2022-5-20 Insurance8 8王某獨(dú)立經(jīng)營(yíng)一運(yùn)輸船隊(duì)，投保時(shí)船的價(jià)值和保險(xiǎn)金額為1000萬(wàn)元，保險(xiǎn)期限1年。投保3個(gè)月后，將其船只的40%轉(zhuǎn)讓給李某，投保8個(gè)月后船全損。保險(xiǎn)人應(yīng)賠給王某_萬(wàn)元的損失。某企業(yè)以價(jià)值200萬(wàn)元的廠房作抵押貸款100萬(wàn)元，發(fā)生保險(xiǎn)事故廠房全損，保險(xiǎn)人給銀行的最高賠償金額是_萬(wàn)元。若貸款已經(jīng)收回，則賠償_萬(wàn)元。2022-5-20 Insurance9 9 Loss amount sum insured, indemnity amount=loss amou

7、nt Loss amountthe sum insured, indemnity amount= sum insuredThe first way of damages or The first danger of indemnity（第一危險(xiǎn)賠償方式）Proportion of indemnity（比例賠償）2022-5-20 Insurance1010Sum insuredAverage Excess Franchise Deductibles2022-5-20 Insurance1111Safeguard legitimate rights and interests of both t

8、he insurancePrevent the insured person to obtain additional benefits through compensation, to avoid the insurance evolved into gambling behavior and the generation of induced moral hazard2022-5-20 Insurance1212Life Insurance(人身保險(xiǎn))Valued insurance（定值保險(xiǎn)）Insurance replacement value（重置價(jià)值保險(xiǎn)）Compensation

9、for rescue costs（施救費(fèi)用的賠償）2022-5-20 Insurance13131.Contribution2.subrogation2022-5-20 Insurance1414Insured on the same subject matter insured, the same insurable interest, the same insured event enter into insurance contracts with two or more insurers at the same time and their total sum insured is o

10、ver the value of the subject matter insured. Contribution of Double Insurance 2022-5-20 Insurance1515投保人對(duì)同一保險(xiǎn)標(biāo)的、同一保險(xiǎn)利益、同一保險(xiǎn)事故分別向兩個(gè)以上保險(xiǎn)人訂立保險(xiǎn)合同的保險(xiǎn)。重復(fù)保險(xiǎn)當(dāng)被保險(xiǎn)人向數(shù)個(gè)保險(xiǎn)人進(jìn)行重復(fù)保險(xiǎn)時(shí)，被保險(xiǎn)人的索賠只能在保險(xiǎn)人之間進(jìn)行分?jǐn)?，賠償金額之和不能超過(guò)實(shí)際損失金額。重復(fù)保險(xiǎn)分?jǐn)傇瓌t同一保險(xiǎn)標(biāo)的及同一可保利益同一保險(xiǎn)期間同一保險(xiǎn)危險(xiǎn)與數(shù)個(gè)保險(xiǎn)人訂立數(shù)個(gè)保險(xiǎn)合同，且保險(xiǎn)金額總和超過(guò)保險(xiǎn)標(biāo)的的價(jià)值重復(fù)保險(xiǎn)必須具備下列條件2022-5-20 Insurance

11、1616Over-Insurance（超額保險(xiǎn)）Co-Insurance（共同保險(xiǎn)）Double Insurance（重復(fù)保險(xiǎn)）2022-5-20 Insurance1717Proportionate Liability Contribution(比例責(zé)任分?jǐn)偡绞?Limit Liability Contribution（限額責(zé)任分?jǐn)偡绞剑㏒equential Liability Contribution（順序責(zé)任分?jǐn)偡绞剑?022-5-20 Insurance1818按每家保險(xiǎn)公司的保險(xiǎn)金額占各家保險(xiǎn)公司全部保險(xiǎn)金額之和的比例分?jǐn)倱p失金額。2022-5-20 Insurance1919202

12、2-5-20 Insurance2020張某以10萬(wàn)元家產(chǎn)同時(shí)向甲、乙兩家公司投保家財(cái)險(xiǎn)，保險(xiǎn)金額分別為6萬(wàn)元和7萬(wàn)元，損失金額為8萬(wàn)元，問(wèn)按比例責(zé)任兩家公司各賠多少？張某以10萬(wàn)元家產(chǎn)同時(shí)向甲、乙兩家公司投保家財(cái)險(xiǎn)，保險(xiǎn)金額分別為6萬(wàn)元和7萬(wàn)元，損失金額為8萬(wàn)元，問(wèn)按比例責(zé)任兩家公司各賠多少？甲公司賠款=8(6/13)=3.69(萬(wàn)元)乙公司賠款=8(7/13)=4.31(萬(wàn)元)2022-5-20 Insurance2121各家保險(xiǎn)公司的分?jǐn)偛灰云浔ｋU(xiǎn)金額為基礎(chǔ)，而是在假設(shè)無(wú)他保情況下單獨(dú)應(yīng)負(fù)的賠償責(zé)任限額占各家保險(xiǎn)公司賠償責(zé)任限額之和的比例分?jǐn)倱p失金額。2022-5-20 Insuranc

13、e2222某企業(yè)以100萬(wàn)元，同時(shí)向兩家保險(xiǎn)公司投保企業(yè)財(cái)產(chǎn)險(xiǎn)，甲、乙兩公司的保險(xiǎn)金額分別為80萬(wàn)元和40萬(wàn)元，廠房著火損失60萬(wàn)元，問(wèn)按限額責(zé)任甲、乙兩公司的賠償額是多少？2022-5-20 Insurance2323某企業(yè)以100萬(wàn)元，同時(shí)向兩家保險(xiǎn)公司投保企業(yè)財(cái)產(chǎn)險(xiǎn)，甲、乙兩公司的保險(xiǎn)金額分別為80萬(wàn)元和40萬(wàn)元，廠房著火損失60萬(wàn)元，問(wèn)按限額責(zé)任甲、乙兩公司的賠償額是多少？ 甲公司賠款額=60【 60/(60+40) 】=36(萬(wàn)元)乙公司賠款額=60【 40/(60+40) 】=24(萬(wàn)元)2022-5-20 Insurance2424各保險(xiǎn)公司按出單時(shí)間順序賠償，首先出單的公司先在

14、其保額限度內(nèi)負(fù)責(zé)賠償，后出單的公司只在損失額超出前一家公司的保額時(shí)，在自身保額限度內(nèi)賠償超出部分。2022-5-20 Insurance2525貨物價(jià)值18萬(wàn)元，發(fā)貨人與其代理人同時(shí)向甲、乙兩家保險(xiǎn)公司分別投保水漬險(xiǎn)10萬(wàn)元和12萬(wàn)元，甲公司先出單，乙公司后出單。貨物在運(yùn)輸途中因船舶觸礁損失16萬(wàn)元，按順序責(zé)任兩家公司應(yīng)賠多少？2022-5-20 Insurance2626貨物價(jià)值18萬(wàn)元，發(fā)貨人與其代理人同時(shí)向甲、乙兩家保險(xiǎn)公司分別投保水漬險(xiǎn)10萬(wàn)元和12萬(wàn)元，甲公司先出單，乙公司后出單。貨物在運(yùn)輸途中因船舶觸礁損失16萬(wàn)元，按順序責(zé)任兩家公司應(yīng)賠多少？甲公司賠款額為：10萬(wàn)元乙公司賠款額為

15、：6萬(wàn)元2022-5-20 Insurance27272.2.1 Subrogation Rights （權(quán)力代位）2.2.2 Material Subrogation （物上代位）-Abandonment （委付）2022-5-20 Insurance2828Subrogation means that after the insurer has indemnified the insured in the event of loss and damage, he is entitled to receive back from the insured who might receive f

16、rom any other party liable. The Meaning of Subrogation2022-5-20 Insurance2929To avoid the insured acquiring double indemnity at the same time from the insurer and the third party so that he can receive some excess benefits. (為防止被保險(xiǎn)人由于保險(xiǎn)事故的發(fā)生，從保險(xiǎn)人和第三者責(zé)任方同時(shí)獲得雙重賠償而額外獲利。)To safeguard the public interest

17、 and protect the legitimate rights and interests of citizens and legal persons are not infringed.(維護(hù)社會(huì)公共利益，保障公民、法人的合法權(quán)益不受侵害。)2022-5-20 Insurance3030The causes of the accident damage and the damaged subject matter of insurance are covered by the insurance policy. （損害事故發(fā)生的原因和受損的標(biāo)的都屬于保險(xiǎn)責(zé)任范圍。）The third

18、party caused the insurance accident and he has to bear the civil liability for damages. （保險(xiǎn)事故的發(fā)生是由第三者的責(zé)任造成的，肇事方依法應(yīng)對(duì)被保險(xiǎn)人承擔(dān)民事?lián)p害賠償責(zé)任，這樣被保險(xiǎn)人才有權(quán)向第三者請(qǐng)求賠償，并在取得保險(xiǎn)賠款后將向第三者請(qǐng)求賠償權(quán)轉(zhuǎn)移給保險(xiǎn)人，由保險(xiǎn)人代位追償。）The insurer can be entitled the subrogation rights only after he exercise the indemnity obligation as per the insura

19、nce contract.（保險(xiǎn)人按合同的規(guī)定對(duì)被保險(xiǎn)人履行賠償義務(wù)之后，才有權(quán)取得代位追償權(quán)。）2022-5-20 Insurance31312022-5-20 Insurance3232Insurers can only subrogate to the extent that they have provided indemnity. （保險(xiǎn)人的代位追償權(quán)以其對(duì)被保險(xiǎn)人賠付的金額為限，如果保險(xiǎn)人從第三者責(zé)任方追償?shù)慕痤~大于其對(duì)被保險(xiǎn)人的賠償，則超出的部分應(yīng)歸被保險(xiǎn)人所有。）The insurers must not make any profit by exercising their

20、subrogation rights.（保險(xiǎn)人不能通過(guò)行使代位追償權(quán)而獲得額外的利益，損害被保險(xiǎn)人的利益。）If the loss caused by the third party is greater than the amount of indemnity paid by the insurer, the insured is entitled to claim the part of unindemnity paid by the insurer from the third party.（當(dāng)?shù)谌咴斐傻膿p失大于保險(xiǎn)人支付的賠償金額時(shí)，被保險(xiǎn)人有權(quán)就未取得賠償部分對(duì)第三者請(qǐng)求賠償。）2

21、022-5-20 Insurance3333Statutory（法定方式）Without going through anyones confirmation insurer can obtain the interest.（權(quán)益的取得無(wú)須經(jīng)過(guò)任何人的確認(rèn)。）Agreed（約定方式） The insurer obtain the interest after being agreed and confirmed by the parties.（權(quán)益的取得必須經(jīng)過(guò)當(dāng)事人的磋商、確認(rèn)）2022-5-20 Insurance3434Tort(侵權(quán)行為)Fails to Perform the Contract（不履行合同）Acts Illegal Profit（不履行合同規(guī)定的義務(wù)）Other Indemnity（其他依據(jù)法律規(guī)定，第