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我国《保险法》在借鉴国外相关立法经验的基础上,结合我国的具体国情对财产保险标的转让后保险合同的效力做了较大改变,将受让人直接承继保险合同的权利义务作为一般原则,从而有助于消除保险空白期,在平衡保险人和被保险人利益的基础上加强了对被保险人利益的保护。法律上对保险标的的转让未作明确规定,认为应将“保险标的转让”理解为“保险标的危险负担的转移”。
The Insurance Law of our country has greatly changed the validity of the insurance contract after the transfer of the property insurance subject to the specific national conditions of our country on the basis of drawing on the experience of other relevant foreign legislation. Taking the rights and obligations of the assignee directly inherited the insurance contract as a general principle, Thus helping to eliminate the blank period of insurance and strengthening the protection of the insured’s interests on the basis of balancing the interests of the insurer and the insured. Legal transfer of the subject of insurance has not been clearly defined, that “the transfer of insurance subject” should be understood as “the transfer of the burden of insurance subject ”.