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财产保险合同是投保人(被保险人)与保险人之间关于设立、变更、终止财产保险关系的协议。从保险通例上看,财产保险合同一般均采用保险单的形式。我国《经济合同法》第25条也明确规定:“财产保险合同,采用保险单或保险凭证的形式签订。保险合同中,应明确规定保险标的、坐落的地点、保险金额、保险责任、除外责任、赔偿办法、保险费缴付办法及保险起讫期限等条款。”所以,按照我国经济合同法的要求,保险单就是财产保险合
Property insurance contract is an agreement between the policy holder (the insured) and the insurer regarding the establishment, modification and termination of the property insurance. From the general insurance point of view, property insurance contracts are generally in the form of insurance policies. Article 25 of China's “Economic Contract Law” also clearly stipulates: “Property insurance contracts are signed in the form of insurance policies or insurance vouchers, and insurance contracts should specify the subject matter of the insurance, the location, the amount of insurance, the insurance liability, and the exception , Methods of compensation, payment of insurance premiums, and insurance terms of limitation. ”Therefore, in accordance with the requirements of our country's economic contract law, insurance policy is the property insurance