{"id":10726,"date":"2012-02-22T08:17:00","date_gmt":"2012-02-22T08:17:00","guid":{"rendered":"http:\/\/192.168.1.14\/index.php\/2012\/02\/22\/%e4%bf%9d%e9%99%a9%e6%8a%a5%e4%bb%b7%e4%b8%ad%e7%9a%84-%e5%89%8d%e6%8f%90%e6%9d%a1%e4%bb%b6\/"},"modified":"2025-08-29T13:07:21","modified_gmt":"2025-08-29T05:07:21","slug":"%e4%bf%9d%e9%99%a9%e6%8a%a5%e4%bb%b7%e4%b8%ad%e7%9a%84-%e5%89%8d%e6%8f%90%e6%9d%a1%e4%bb%b6","status":"publish","type":"post","link":"https:\/\/andrewliu.com.hk\/zh\/%e4%bf%9d%e9%99%a9%e6%8a%a5%e4%bb%b7%e4%b8%ad%e7%9a%84-%e5%89%8d%e6%8f%90%e6%9d%a1%e4%bb%b6\/","title":{"rendered":"\u4fdd\u9669\u62a5\u4ef7\u4e2d\u7684 \u201c\u524d\u63d0\u6761\u4ef6\u201d"},"content":{"rendered":"

 \"pdf\" \u4e2d\u6587<\/a>   \"pdf\" ENG<\/a><\/p>\n

\u4e00\u4e9b\u4fdd\u9669\u62a5\u4ef7\u4f1a\u5305\u542b\u524d\u63d0\u6761\u4ef6\uff0c\u8bf8\u5982 “\u524d\u63d0\u6761\u4ef6\u662f\u5df2\u7ecf\u586b\u5199\u5b8c\u6574\u7684\u7533\u8bf7\u8868”\u3001”\u524d\u63d0\u6761\u4ef6\u662f\u63d0\u4f9b\u524d\u4fdd\u9669\u4eba\u8be6\u7ec6\u7d22\u8d54\u8bb0\u5f55”\u3001”\u524d\u63d0\u6761\u4ef6\u662f\u4fdd\u8d39\u5168\u90e8\u4ed8\u6e05”\u3001”\u524d\u63d0\u6761\u4ef6\u662f\u5b8c\u6210\u68c0\u9a8c\u5e76\u4e14\u68c0\u9a8c\u7ed3\u679c\u4ee4\u4eba\u6ee1\u610f”\u7b49\u3002<\/p>\n

Beazley v Travelers(2011) \u4e00\u6848\u8ba4\u5b9a\uff0c\u5982\u679c\u4efb\u4f55\u4e00\u9879\u524d\u63d0\u6761\u4ef6\u6ca1\u6709\u5f97\u5230\u6ee1\u8db3\uff0c\u5219\u4fdd\u9669\u5408\u540c\u4e0d\u6210\u7acb\u3002\u8be5\u6848\u7684\u88ab\u4fdd\u9669\u4eba\u8ba4\u4e3a\uff0c\u524d\u63d0\u6761\u4ef6\u672c\u8d28\u4e0a\u662f\u4e00\u79cd\u884c\u653f\u884c\u4e3a\uff0c\u5bf9\u4fdd\u9669\u5408\u540c\u6ca1\u6709\u5b9e\u8d28\u6027\u5f71\u54cd\uff0c\u56e0\u800c\u4fdd\u9669\u5408\u540c\u6709\u6548\u6210\u7acb\uff0c\u4f46\u662f\u8fd9\u4e00\u4e3b\u5f20\u6ca1\u6709\u88ab\u6cd5\u9662\u8ba4\u53ef\u3002<\/p>\n

\u53e6\u5916\uff0c\u6cd5\u5ead\u8ba4\u5b9a\u5408\u540c\u4e0d\u6210\u7acb\uff0c\u56e0\u4e3a\u6ca1\u6709\u6761\u6b3e\u89c4\u5b9a\u524d\u63d0\u6761\u4ef6\u5fc5\u987b\u5728\u67d0\u4e00\u65f6\u95f4\u5185\u5f97\u5230\u6ee1\u8db3\u3002<\/p>\n

\u5c3d\u7ba1 “\u524d\u63d0\u6761\u4ef6\u5bf9\u4fdd\u9669\u5408\u540c\u7684\u5f00\u59cb\u6ca1\u6709\u5b9e\u8d28\u6027\u5f71\u54cd” \u8fd9\u79cd\u89c2\u70b9\u53ef\u80fd\u6210\u7acb\u3002\u4f46\u662f\uff0c\u5fc5\u987b\u6709\u660e\u786e\u7684\u63aa\u8f9e\u8868\u660e\u4fdd\u9669\u4eba\u8ba4\u4e3a\u524d\u63d0\u6761\u4ef6\u662f\u5426\u6ee1\u8db3\u4e0d\u4f1a\u5f71\u54cd\u4fdd\u9669\u5408\u540c\u7684\u5f00\u59cb\uff0c\u5e76\u4e14\u672c\u8d28\u4e0a\u53ea\u662f\u4e00\u4e2a\u884c\u653f\u95ee\u9898\u3002<\/p>\n

\u7efc\u4e0a\uff0c\u5982\u679c\u4fdd\u9669\u62a5\u4ef7\u5e26\u6709\u524d\u63d0\u6761\u4ef6\uff0c\u9664\u975e\/\u76f4\u5230\u6240\u6709\u524d\u63d0\u6761\u4ef6\u5f97\u5230\u6ee1\u8db3\uff0c\u5426\u5219\u4fdd\u9669\u5408\u540c\u4e0d\u6210\u7acb\u3002<\/p>\n

\u4ee5\u4e0a\u7531 ANDREW LIU & CO.,LTD \u7f16\u8bd1\uff0c\u5e94\u4ee5\u82f1\u6587\u4e3a\u51c6\uff01<\/p>\n

\u8be6\u7ec6\u4fe1\u606f\u8bf7\u53c2\u9605\u9644\u4ef6\u3002<\/p>\n

 <\/p>\n

Insurance Quotes with Subjectivities<\/strong><\/span><\/p>\n

Some insurance quotes contain subjectivities, such as ‘subject to completed application form’ ; ‘subject to provision of previous insurer’s claims record details’ ; ‘subject to payment of full outstandings’ ; ‘subject to completion of survey and results satisfactory’.<\/p>\n

It was held in the case of Beazley v Travelers (2011), there is no contract of insurance in place if there are any subjectivities which are not complied with. The assured failed in their argument that there was a binding insurance cover in place, as the subjectivities were only administrative in nature and was immaterial to the cover.<\/p>\n

Further, the insurance was not ‘held covered’ as there was no provision for a time period within which the subjectivity must be complied.<\/p>\n

Although it is not impossible for a ‘subjectivity to be immaterial to the commencement of an insurance’ there must be words showing it was the intention of the insurers to treat the subjectivity as not affecting the commencement of insurance cover and was in the nature of an administrative matter.<\/p>\n

To conclude it is probable in all circumstances where an insurance quote is provided based on a subjectivity, there will be no insurance in place unless and until the subjectivity has been complied with.<\/p>\n

See attached : ALCO20120005Insurance Quotes with Subjectivities.pdf<\/p>","protected":false},"excerpt":{"rendered":"

  CHN    ENG \u4e00\u4e9b\u4fdd\u9669\u62a5\u4ef7\u4f1a\u5305\u542b\u524d\u63d0\u6761\u4ef6\uff0c\u8bf8\u5982 “\u524d\u63d0\u6761\u4ef6\u662f\u5df2\u7ecf\u586b\u5199\u5b8c\u6574\u7684\u7533\u8bf7\u8868”\u3001”\u524d\u63d0\u6761\u4ef6\u662f\u63d0\u4f9b\u524d\u4fdd\u9669\u4eba\u8be6\u7ec6\u7d22\u8d54\u8bb0\u5f55”\u3001”\u524d\u63d0\u6761\u4ef6\u662f\u4fdd\u8d39\u5168\u90e8\u4ed8\u6e05”\u3001”\u524d\u63d0\u6761\u4ef6\u662f\u5b8c\u6210\u68c0\u9a8c\u5e76\u4e14\u68c0\u9a8c\u7ed3\u679c\u4ee4\u4eba\u6ee1\u610f”\u7b49\u3002 Beazley v Travelers(2011) \u4e00\u6848\u8ba4\u5b9a\uff0c\u5982\u679c\u4efb\u4f55\u4e00\u9879\u524d\u63d0\u6761\u4ef6\u6ca1\u6709\u5f97\u5230\u6ee1\u8db3\uff0c\u5219\u4fdd\u9669\u5408\u540c\u4e0d\u6210\u7acb\u3002\u8be5\u6848\u7684\u88ab\u4fdd\u9669\u4eba\u8ba4\u4e3a\uff0c\u524d\u63d0\u6761\u4ef6\u672c\u8d28\u4e0a\u662f\u4e00\u79cd\u884c\u653f\u884c\u4e3a\uff0c\u5bf9\u4fdd\u9669\u5408\u540c\u6ca1\u6709\u5b9e\u8d28\u6027\u5f71\u54cd\uff0c\u56e0\u800c\u4fdd\u9669\u5408\u540c\u6709\u6548\u6210\u7acb\uff0c\u4f46\u662f\u8fd9\u4e00\u4e3b\u5f20\u6ca1\u6709\u88ab\u6cd5\u9662\u8ba4\u53ef\u3002 \u53e6\u5916\uff0c\u6cd5\u5ead\u8ba4\u5b9a\u5408\u540c\u4e0d\u6210\u7acb\uff0c\u56e0\u4e3a\u6ca1\u6709\u6761\u6b3e\u89c4\u5b9a\u524d\u63d0\u6761\u4ef6\u5fc5\u987b\u5728\u67d0\u4e00\u65f6\u95f4\u5185\u5f97\u5230\u6ee1\u8db3\u3002 \u5c3d\u7ba1 “\u524d\u63d0\u6761\u4ef6\u5bf9\u4fdd\u9669\u5408\u540c\u7684\u5f00\u59cb\u6ca1\u6709\u5b9e\u8d28\u6027\u5f71\u54cd” \u8fd9\u79cd\u89c2\u70b9\u53ef\u80fd\u6210\u7acb\u3002\u4f46\u662f\uff0c\u5fc5\u987b\u6709\u660e\u786e\u7684\u63aa\u8f9e\u8868\u660e\u4fdd\u9669\u4eba\u8ba4\u4e3a\u524d\u63d0\u6761\u4ef6\u662f\u5426\u6ee1\u8db3\u4e0d\u4f1a\u5f71\u54cd\u4fdd\u9669\u5408\u540c\u7684\u5f00\u59cb\uff0c\u5e76\u4e14\u672c\u8d28\u4e0a\u53ea\u662f\u4e00\u4e2a\u884c\u653f\u95ee\u9898\u3002 \u7efc\u4e0a\uff0c\u5982\u679c\u4fdd\u9669\u62a5\u4ef7\u5e26\u6709\u524d\u63d0\u6761\u4ef6\uff0c\u9664\u975e\/\u76f4\u5230\u6240\u6709\u524d\u63d0\u6761\u4ef6\u5f97\u5230\u6ee1\u8db3\uff0c\u5426\u5219\u4fdd\u9669\u5408\u540c\u4e0d\u6210\u7acb\u3002 \u4ee5\u4e0a\u7531 ANDREW LIU & CO.,LTD \u7f16\u8bd1\uff0c\u5e94\u4ee5\u82f1\u6587\u4e3a\u51c6\uff01 \u8be6\u7ec6\u4fe1\u606f\u8bf7\u53c2\u9605\u9644\u4ef6\u3002   Insurance Quotes with Subjectivities Some insurance quotes contain subjectivities, such as ‘subject to completed application form’ ; ‘subject to provision of previous insurer’s claims record details’ ; ‘subject to payment of full outstandings’ ; […]<\/p>","protected":false},"author":3,"featured_media":9071,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34],"tags":[124],"class_list":["post-10726","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-circulars","tag-chinese"],"_links":{"self":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts\/10726","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/comments?post=10726"}],"version-history":[{"count":1,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts\/10726\/revisions"}],"predecessor-version":[{"id":20497,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts\/10726\/revisions\/20497"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/media\/9071"}],"wp:attachment":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/media?parent=10726"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/categories?post=10726"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/tags?post=10726"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}