但是既然抵押权人是有保险利益的，他作为投保人的同时也是被保险人。
But since mortgages people have insurance benefits, he will be policyholder when he is insured people at the same time.
抵押权人、收货人或对保险标的有利益的其他人，除为了自已的利益外，得代表和为其他有利害关系的人的利益进行保险。
A mortgagee, consignee, or other person having an interest in the subject-matter insured may insure on behalf and for the benefit of other persons interested as well as for his own benefit.
未保险的，抵押权人有权对该船舶进行保险，保险费由抵押人负担。
In case the ship is not insured, the mortgagee has the right to place the ship under insurance coverage and the mortgagor shall pay for the premium thereof.
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