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What are the main principles of insurance?

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问题 What are the main principles of insurance?
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答案(1)Insurable interest holds that no one may insure anything unless he has an interest in it，which means that if the thing insured is preserved he will derive a benefit from its preservation，but if it is in any way damaged or lost the assured will be adversely affected． (2)Every contract of insurance requires an insurable interest to support it，or otherwise it is invalid and any claim made upon it will not be entertained． (3)Utmost good faith is a very important principle．The people who decide what premium is fair for a particular cover do so on the basis of written statements made in a proposal form．If this statement is untrue，then the premium agreed on will not be a fair one．
解析 (1)可保权益原则认为只有在一件事情中得到利益才能投保。这意味着，如果这投保的东西得到了保护，投保人能从这种保护中得到利益。但如果它受到损失或丢失，投保方就会受到负面影响。
(2)每一份保险合同都需要有可保利益的支持，否则它就是无效的，任何根据此合同提出的索赔都不会受理。
(3)最大诚信原则是条重要的原则。人们根据提议形式的书面声明，决定某项保险的保费是否合理。如果这份文件不真实，商定的保险费就不会合理。
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