保单结构与条款第 527 / 531 题
An insured sells his building and tries to hand the property policy to the buyer. That assignment is effective only if:
a.The policy has run half of its term
b.The buyer assumes the unpaid premium
c.The insurer consents to it in writing
d.The deed and policy are recorded together
解析
A property policy is a personal contract between the insurer and the particular insured whose character, loss history and use of the property were underwritten, so it cannot be handed to a stranger without the insurer's written consent. Paying the outstanding premium or recording documents at the courthouse does nothing to bind an insurer to someone it did not evaluate, and the age of the policy is irrelevant.
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