where no insurable value has been agreed upon between the insurer and the insured, the insurable value shall be calculated as follows.

therefore the formation of insurance commodity price is greatly affected by the moral risk of the insured.

因而，投保人（或被保险人）的道德风险对于保险商品的价格形成影响很大。

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with the effects of restricting output of the insured and price, automobile industry of the first downline earnings might hit bottom.

随着限产保价的展开以及价格的下行，汽车行业三季度的盈利情况可能触底。

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to enhance the protection of consumers, the authority should amend the regulations to loosen the requirements of the insured.

惟为扩大对消费者保护，主管机关宜适度修法放宽对被保险人资格之限制。

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the insurer shall not be liable for the extended loss caused by the insured's breach of the provisions of the preceding paragraph.

对于被保险人违反前款规定所造成的扩大的损失，保险人不负赔偿责任。

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unless otherwise agreed in the insurance contract, the insured shall pay the premium immediately upon conclusion of the contract.

第二百三十四条除合同另有约定外，被保险人应当在合同订立后立即支付保险费；

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the emergence of the foregoing two sentences, regard the insured as an ordinary consumer with the high level of protection either.

前述两种判决的出现，说明了对作为普通消费者的投保人一方的高度保护水平。

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the various forms of life insurance protect one's dependents against major financial losses in the event of the insured's death.

各种各样的人寿保险保证在被保险人死亡的情况下，其家属不至于陷入财务困境。

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in general, the higher the excess, the more careful would be the insured and hence the lower risk of having a claim.

一般来说，更高的多余的，更小心，因此将被保险人的风险降低有索赔。

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this covers personal injury to the driver (when not at fault), passengers of the insured vehicle and any third party.

这涉及人身伤害的驱动程序（当没有过失），乘客投保车辆和任何第三方。

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the underwriters shall not be liable in respect of unrepaired damage for more than the insured value at the time this insurance terminates.

保险人对未修理的损害的赔偿责任，不应超过本保险终止时的保险价值。

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warranty is a particular system of marine insurance law. it is an obligation for the insured required by the principle of utmost good faith.

“保证”是海上保险中一项特有的制度，其是基于海上保险法“最大诚信原则”而要求被保险人履行的义务。

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the insured person suffering from any pre-existing physical defect or infirmity which existed prior to inception of this policy.

被保险人因本身存在的缺陷或病症，而此缺陷或病症在保单有效前已存在。

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if the insured cancels , earned premiums shall be computed in accordance with the customary short rate table and procedure .

如果被保险人取消本保单，满期保费应依照常用的短期费率表和程序来计算。

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china life insurance shall transfer deformity compensation directly into the account designated by the insured.

伤残保险金给付时，中国人寿负责将保险金直接划入被保险人的指定账户。

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from the time the insured goods leave the consignor's warehouse at the place of shipment named in the policy.

本保险责任自被保险货物运离本保险单所载明的启运地发货人的仓库时生效。

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should the applicant fail to pay the premium as agreed above, the insurer shall not be liable for the insured events.

投保人未按上述约定交纳保险费，发生保险事故，保险人不承担赔偿责任。

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in the case of several beneficiaries, the insured or the insurant may determine the order and shares of the benefit among them.

受益人为数人的，被保险人或者投保人可以确定受益顺序和受益份额；

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the duty of disclosure on the insured formed in the 18th century, is one of the oldest system in the area of marine insurance.

被保险人告知义务制度形成于十八世纪，是海上保险领域最古老的制度之一。

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whether the boker know the article or not, once the insured acted against the assurance, the insurance agency could refuse compensation.

不管经纪人知不知道，只要被保险人违反了保证，保险公司都可以拒赔。

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the insurer may refuse to issue the insurance policy or other insurance certificate before the premium is paid by the insured.

被保险人支付保险费前，保险人可以拒绝签发保险单证。

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