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受保险消费者对保险法律不熟悉等诸多因素的影响,实践中保险标的转让后转让人与受让人未将转让之情事通知保险人的现象屡见不鲜。保险标的转让后在保险期间内发生了保险事故,保险人往往以转让人、受让人未履行保险法第三十四条规定的通知义务、未经保险人同意继续承保为由拒赔,从而引发纠纷。保险法第三十四条规定:“保险标的的转让应当通知保险人,经保险人同意继续承保后,依法变更合同。但是,货物运输保险
Insured consumers are not familiar with the insurance law and many other factors. In practice, it is not uncommon for the transferor and assignee not to notify the insurer of the transfer after the transfer of the subject-matter insured. After the transfer of the insured object, an insured event occurs during the insured period. The insurer often refuses to pay the insurer’s failure to perform the notification obligation stipulated in Article 34 of the Insurance Law without the consent of the insurer, thus causing the insured dispute. Article 34 of the Insurance Law stipulates that: ”The transfer of the subject matter of insurance shall notify the insurer, and upon the consent of the insurer to continue the underwriting, the contract shall be changed in accordance with the law." However,