It means that for keeping away the same risk, the insurant had better made multiple contracts with the same insured interest and the same period, and the insurance amount in all exceeds the insured value.
笔者认为,多数保险是指在同一个保险利益上,为了防范相同的风险,订立数份保险合同,该几份保险合同的保险期间重合,同时数保险合同的总保险金额超过保险价值的状态。 笔者在确立多数保险概念后对其特征进行了阐述。
参考来源 - 损害补偿原则在多数保险中的运用·2,447,543篇论文数据,部分数据来源于NoteExpress
The insured value of the aeroplane was greater than its book value.
该飞机的保险价值高于账面价值。
Exceed insured value of, overage null and void.
超过保险价值的,超过部分无效。
The insured value of the airplane was greater than its book value.
该飞机的投保价值高于它的实际账面价值。
In other words, lower the amount insured below the actual value of the house to prevent moral hazard.
换句话说,将房屋的保险价值低估于其实际价值,以此来防范道德风险。
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