代位物是指担保物因灭失、损毁或国家征用等原因而获得的诸如保险金、赔偿金、补偿金等抵押物的代替物。例如：被抵押的汽车被他人偷窃，该车虽已丢失，但抵押人依保险合同可以请求保险公司支付保险金，该保险金即为抵押物的代位物。《担保法》仅仅规定了因灭失而得的赔偿金可为代位物，而《关于担保法若干问题的解释》将范围扩大到“灭失、毁损、被征用”三种情况。
Mortgages efficacy of claim is constrained by safety of transaction and cant not surpass subrogation of mortgage.
抵押权的追及效力止于交易安全,只及于抵押物的代位物。
参考来源 - 论抵押权的追及效力·2,447,543篇论文数据，部分数据来源于NoteExpress
虽然根据我国担保法以及新物权法的规定，因抵押物灭失而获得的保险金应当作为代位物。
Although according to our Warranty Law and Property Rights Law, insurance come from the loss of collateral should be subrogation.
物上代位性是物权的重要特征，抵押权作为支配标的物“交换价值”的担保物权，当然也有物上代位性。
As the right of guaranteed goods that justified the exchange value of the subject matter, mortgage right certainly has the characteristic of subrogation.
第三问题是抵押权的物上代位权的规定是否适用于船舶物权。
The third question is whether the provision of real subrogation of mortgage can be applied to the mortgage of ship.
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