保险学重点案例及分析2（Key cases and analysis of insurance 2）.docVIP

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保险学重点案例及分析2（Key cases and analysis of insurance 2）.doc

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保险学重点案例及分析2（Key cases and analysis of insurance 2）

保险学重点案例及分析2（Key cases and analysis of insurance 2） Key cases and analysis of insurance Author: Gu Zhantao (turn) posted from: site original hits: 0, article entry: kfjy1 1. a lessee leases his house on the landlord for 10 months. The lease contract states that the lessee shall be liable for the damage of the house during the lease term, and the lessee shall insure the fire insurance for a year for the purpose of renting the house. Upon completion of the lease, the tenant checks out on time. In the second half of the month, the house was destroyed by fire. Therefore, the lessee claims to the insurance company in the identity of the insured. Is the insurer liable for damages? Why? If the lessee transfers the policy to the landlord when checking out, can the landlord claim compensation from the insurance company in the capacity of the insured? Why? (1) the insurer is not liable for compensation. Because the lessee has no insurable interest in the house. (2) the landlord cannot claim for the identity of the insured. Since the policy transfer has not been approved by the insurer, the landlord has no insurance relationship with the insurer. 2., a bank for fire insurance, additional theft insurance, in the insurance policy written on 24 hours, there are guards on duty, the insurance company to be insured, and as a condition for reducing costs. After the bank was stolen, the investigation, 24 hours an hour, half an hour, the guard is not on duty. Is the insurance company liable for damages? The insurance company is not liable for damages. Because the bank violated the warranty (or warranty, or the principle of utmost good faith, and guarantee) is a part of the insurance contract, breach of warranty, it means a breach, the insurer may terminate the insurance contract, the insurance contract shall be invalid or announced, in the event of insurance that does not bear the liability to pay the insurance money. 3., a hotel for fire insurance, additional theft insurance, in the in