海上保险近因原则解析

近因原则是在海上保险中索赔理赔阶段应当遵循的基本原则。近因应当是效果上近接,并独立发挥决定性、支配性作用的原因。我国立法上没有近因原则的表述,这不能不说是一大缺憾。英国海上保险法确立的近因原则是经过长期实践总结的结果,具有相当的合理性和科学性。同时,近因原则也为绝大多数国家海上保险法所采用,作为保险理赔的一项基本原则。因此无论从完善我国海上保险立法或与国际航运与保险实践相接轨的角度考虑,我国都应当在立法上确认近因原则。

On principle of proximate cause

Principle of proximate cause is the fundamental in the phase of claiming damages and claiming setting for marine insurance. Proximate cause ought to be the cause that is approximate to the effect and exerts a decisive and dominative function independently. we have no the statement of principle of proximate cause in our state-run laws, which is of a great defect. The principle of proximate cause as a basic principle is adopted in insurance law of maritime in most countries definitely, So we should confirm the principle of proximate cause in legislating from perfection of our marine insurance legislation or practice of international shipping and insurance.