根据英国《海上保险法》，传统上，海上保险单（船壳险）依据船东的“可保利益”保障船舶的市场价值。任何超出船舶市场价值的保险都是被禁止的。不过，从20世纪开始，在船舶发生全损时，船东产生了新的保险需求，以保障全损事故导致的额外费用，例如，购买替代船舶产生的各种费用。保险市场因此开始意识到，被保险人对船舶有超出船舶市场价值的额外保险利益，且超出了船壳险的保险金额。
详细信息请参阅附件。
Increased Value Insurance
Traditionally, under the “Marine Insurance Act”, Marine Policy (Hull & Machinery Insurance) covers the market value of the ship which refers to the Shipowners’ “insurable interest”. Any cover in excess of market value was prohibited. However, in the past century, shipowners has a demand for additional costs associated with a Total Loss event to be covered, for example, the sundries for the ship replacement. Therefore, the Insurance Market started to recognize that the assured has an additional insurable interest beyond the vessel’s market value and in excess of the sum of insured under Hull & Machinery Insurance.
See attached file: ALCO20140028 Increased Value Insurance.pdf
