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財產保險                           咨詢電話:0551-65220168

       1、財產保險概述
    財產保險業務包括財產損失保險、責任保險、信用保險等保險業務。可保財產,包括物質形態和非物質形態的財產及其有關利益。以物質形態的財產及其相關利益作為保險標的的,通常稱為財產損失保險。例如,飛機、衛星、電廠、大型工程、汽車、船舶、廠房、設備以及  財產保險漫畫
家庭財產保險等。以非物質形態的財產及其相關利益作為保險標的的,通常是指各種責任保險、信用保險等。例如,公眾責任、產品責任、雇主責任、職業責任、出口信用保險、投資風險保險等。但是,并非所有的財產及其相關利益都可以作為財產保險的保險標的。只有根據法律規定,符合財產保險合同要求的財產及其相關利益,才能成為財產保險的保險標的。          
       2、保險原則:   
       保險利益原則是保險行業中的一個基本原則,又稱“可保利益原則”或“可保權益原則”。所謂保險利益是指投保人或被保險人對其所保標的具有法律所承認的權益或利害關系。即在保險事故發生時,可能遭受的損失或失去的利益。《中華人民共和國保險法》第12條規定:“保險利益是指投保人對保險標的具有法律上承認的利益。”最大誠信的含義是指當事人真誠地向對方充分而準確的告知有關保險的所有重要事實,不允許存在任何虛偽、欺瞞、隱瞞行為。而且不僅在保險合同訂立時要遵守此項原則,在整個合同有效期內和履行合同過程中也都要求當事人間具有“最大誠信”。最大誠信原則的含義可表述為:保險合同當事人訂立合同及合同有效期內,應依法向對方提供足以影響對方做出訂約與履約決定的全部實質性重要事實,同時絕對信守合同訂立地約定與承諾。否則,受到損害的一方,按民事立法規定可以此為由宣布合同無效,或解除合同,或不履行合同約定的義務或責任,甚至對因此受到的損害還可以要求對方予以賠償。
      《保險法》上的近因原則的含義為“保險人對于承保范圍的保險事故作為直接的、最接近的原因所引起的損失,承擔保險責任,而對于承保范圍以外的原因造成的損失,不負賠償責任。”按照該原則,承擔保險責任并不取決于時間上的接近,而是取決于導致保險損失的保險事故是否在承保范圍內,如果存在多個原因導致保險損失,其中所起決定性、最有效的,以及不可避免會產生保險事故作用的原因是近因。由于導致保險損失的原因可能會有多個,而對每一原因都投保于投保人經濟上不利益且無此必要,因此,近因原則作為認定保險事故與保險損失之間是否存在因果關系的重要原則,對認定保險人是否應承擔保險責任具有十分重要的意義。   
       損失補償原則是財產保險的核心原則。它是指在財產保險中,當保險事故發生導致被保險人經濟損失時,保險公司給予被保險人經濟損失賠償,使其恢復到遭受保險事故前的經濟狀況。   

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