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保赔保险作为船东相互保险形式,在海上保险中占据重要地位。我国现行立法中并无关于保赔保险的法律明文规定,中船保也不具有保险组织资格,因此保赔保险纠纷只能适用有关合同的一般立法,这不仅不利于保赔保险纠纷的正确审理,也可能阻碍保赔保险的正常发展。据此,应该在借鉴先进立法例的基础上,通过立法赋予保赔协会以相互保险社这一保险组织地位,并在《海商法》中单列一节规定保赔保险的相关内容。
P & I insurance occupies an important position in marine insurance as a form of mutual insurance for shipowners. China’s current legislation does not expressly provide for the law on insurance, the CSIC also does not have the insurance organization qualification, so the insurance insurance disputes can only apply the general provisions of the contract, which is not conducive to the correct hearing of insurance claims , May also hinder the normal development of insurance. Therefore, on the basis of drawing on the advanced legislation, we should legislate to grant the P & I Club the status of an insurance company with the mutual insurance company and stipulate the relevant contents of the insurance indemnity separately in the Maritime Law.