insured value clause 中文意思是什麼
insured value clause
解釋
投保價值條款-
In insurance business practice, the building insurance clause in mortgage insurance usually applies the real estate value to amount insured, wheras raplacement approach is applied to the indemnity, which causes overinsurance ? the amount insured is greater than insurance value. the excess amount is perfectly equal to the land value or a portion of land value, which prejudices the interest of the insured
在保險實踐中，住房抵押貸款保險的房屋保險條款通常以不動產價值作為保險金額，而在保險補償時適用重置價值標準，導致保險金額總是大於保險價值的超額保險情況，超出的金額就是土地的價值或者土地價值的一個比例，這對被保險人是不利的。 -
4 when expenses are incurred pursuant to this clause 10 the liability under this insurance shall not exceed the proportion of such expenses that the amount insured hereunder bears to the value of the vessel as stated herein
3被保險人或保險人為拯救、保護和恢復保險標的而採取的措施，不應視為放棄或接受委付，或者有損于任何一方的權益。
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