Nguyên tắc bảo hiểm chungCâu 231 / 531
A company sells its warehouse in March but leaves the property policy in force, and the building burns in June. The claim fails because insurable interest in property must exist:
a.at the time of the loss, whatever was true when it was written
b.when the policy is applied for and underwritten, and no later
c.continuously from the application through the end of the term
d.at the moment of application and again at each renewal date
Giải thích
Property insurance indemnifies a financial stake, so the insured must stand to lose something when the loss happens; the seller who no longer owns the warehouse suffers no loss and collects nothing. Requiring the interest only at issue would let a policy pay someone who has since walked away, which is exactly the wagering that the rule prevents. Life insurance takes the opposite approach, testing the interest at inception.
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