1 in ascertaining whether the vessel is a constructive total loss , the insured value shall be taken as the repaired value and nothing in respect of the damaged or break - up value of the vessel or wreck shall be taken into account 1在确定船舶是否构成推定全损时，船舶的保险价值应以船舶修理后的价值为准，不应考虑船舶或残骸的受损或解体价值。
14 should the subject - matter insured or any part thereof not be shipped any claim in respect thereto shall be adjusted on the basis of its insured value less , where include , freight , duty and all charges not incurred 14如果保险标的或其中任何部分未装运，有关这部分的任何索赔，应基于其保险价值，扣除未实际发生的运费、关税和所有的费用进行理算。
The insurable interest of the insured in the insurance subject - matter is one of the fundamentals of insurance and the prerequisite of appraisal of insurance value . the insured must have an insurable interest in the subject - matter 被保险人对保险标的的可保利益是保险的基础，也是确定保险价值的前提，投保人或被保险人必须对保险标的具有可保利益。
Secondly , in deficit safe circumstance falls , be sure namely amount falls under the circumstance of insurance value , the underwriter gains damage insurance mark according to the scale of insurance amount and insurance value partial right 其二，在不足额保险的情况下，也就是保险金额低于保险价值的情况下，保险人按照保险金额与保险价值的比例取得受损保险标的的部分权利。
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。
Because belongings is sure not to exceed actual loss to be a principle with indemnity , accordingly , " insurance law " set a basic principle clearly , namely : the insurance amount that repeats assurance exceeds insurance value , the summation of the indemnity of each underwriter must not exceed insurance value 由于财产保险以赔偿金额不超过实际损失为原则，因此， 《保险法》明确规定了一项基本原则，即：重复保险的保险金额超过保险价值的，各保险人的赔偿金额的总和不得超过保险价值。
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 在保险实践中，住房抵押贷款保险的房屋保险条款通常以不动产价值作为保险金额，而在保险补偿时适用重置价值标准，导致保险金额总是大于保险价值的超额保险情况，超出的金额就是土地的价值或者土地价值的一个比例，这对被保险人是不利的。
Accoding to its risk exposures in all sorts of real estate insurance and relevant insurance clauses , the insurable interest is oriented to the land or to the buildings on land under different circumstances . correspondingly , we should apply various valuation approaches to the caculation of insurance value and insurance indemnity 根据风险因素所起的作用，不动产保险不同保险条款中，可保利益有时指向地上建筑物，有时指向土地，相应地，保险价值的评估和保险补偿也要适用不同的方法。
