Article 39 the insured value of the subject matter of the insurance may be agreed by the applicant and the insurer , and specified in the contract ; or it may be assessed based on the actual value of the subject matter of the insurance at the time of the occurrence of the insured event 第三十九条保险标的的保险价值，可以由投保人和保险人约定并在合同中载明，也可以按照保险事故发生时保险标的的实际价值确定。
1 any claim for general average and salvage to be on the basis of an adjustment according to the york - antwerp rule 1974 if so required by the underwriters but the insured value of hull and machinery to be taken as the contributory value without deduction 1为共同海损和救助而提出的任何索赔，若经保险人要求应根据1974年《约克安特卫普规则》作为理算基础，但船体和机器的保险价值应作为分摊价值而不得作任何扣除。
1 any claim for general average and salvage to be on the basis of an adjustment according to the york - antwerp rule 1974 if so required by the underwriters but the insured value of hull and machinery to be taken as the contributory value without deduction 1为共同海损和救助而提出的任何索赔，若经保险人要求应根据1974年《约克安特卫普规则》作为理算基础，但船体和机器的保险价值应作为分摊价值而不得作任何扣除。
Subject to any express provision in the policy , where the assured has paid , or is liable for , any general average contribution , the measure of indemnity is the full amount of such contribution , if the subject matter liable to contribution is insured for its full contributory value ; but , if such subject - matter be not insured for its full contributory value , or if only part of it be insured , the indemnity payable by the insurer must be reduced in proportion to the under insurance , and where there has been a particular average loss which constitutes a deduction from the contributory value , and for which the insurer is liable , that amount must be deducted from the insured value in order to ascertain what the insurer is liable to contribute 除保单另有规定外，如果被保险人已经给付或有责任给付任何共同海损分摊，其赔偿限额为：如果负责分摊的标的物是按分摊价值足额投保的话，应按共同海损分摊全额赔付；如果该标的物未按分摊价值足额投保或只投保了一部分，保险人应支付的赔偿额必须按不足额保险比例减少，而且如果发生了应从分摊价值内扣掉的单独海损损失，且保险人对此负有赔偿责任，则应从保险价值中先予扣除，以便确定保险人应承担的分摊额。
