2. 自考
  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

Utmost good faith is a very important principle. The people who decide what premium is fair for a particular cover do so on the

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问题 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. Suppose I say that a crate contains copper, when in fact it contains platinum. The premium required to cover the cheaper metal will be an unfair premium for the more valuable cargo. The mis-statement is a fraud, and the policy is voidable by the party who is misled. Even if the mis-statement was unintentional, the underwriter would still be deceived and the policy voidable.
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答案最大诚信原则是条非常重要的原则。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。假如有人说箱子里装的是铜，但实际上是白金，那么将廉价金属需要的保费用于贵重金属上就不合理。错误的陈述是欺骗，被误导的可认为保险单无效。即使无意犯了陈述的错误，保险公司还是受到了欺骗，保险单也就无效。
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