第12篇赔付原则.docVIP

PAGE PAGE 9第十二章 赔付原则与做法1 向保险人索赔的时效保险合约是跟其他的合约或者侵权一样都是受到时效的限制。根据英国1980年《Limitation Act 1980》，普通的合约自诉因产生之日起6年内可以提起诉讼。针对货物保险这是从发生货损那天起算：Chrandris v. Argo Insurance Co Ltd (1963) 2 Lloyd’s Rep 65；The “Fanti” and The “Padre Island” (1990) 2 Lloyd’s Rep 191；The “Italia Express” (No. 2) (1992) 2 Lloyd’s Rep 281。其中在The “Fanti” and The “Padre Island”，贵族院的Goff勋爵是这样说：“I also accept that, at common law, the cause of action does not [unless the contract provides otherwise] arise until the indemnified person can show actual loss: see Collinge v. Heywood (1893) 9 Ad. E. 634. This is, as I understand it, b