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Yunnan Fuyun Logistics Co., Ltd. v. Qujing Central Sub-Branch Companyof China Life Property & Casualty Insurance Company Limited (dispute over a property insurance contract)
云南福运物流有限公司与中国人寿财产保险股份公司曲靖中心支公司财产损失保险合同纠纷案
【法宝引证码】

Yunnan Fuyun Logistics Co., Ltd. v. Qujing Central Sub-Branch Company of China Life Property & Casualty Insurance Company Limited

 

云南福运物流有限公司与中国人寿财产保险股份公司曲靖中心支公司财产损失保险合同纠纷案

[Judgement Abstract]
 [裁判摘要]
1. The Agreement on Compensation and the Confirmation on the Compensation of Freight Insurance concluded by parties concerned for the cargo insurance losses are the admission of the compensation amount for property damages, which are expressions of true will and valid civil legal acts.

2. The insurance contract shall take the consistent expression of intent by both parties as an essential element for the establishment of the contract, that is to say, when both parties are willing to accept the constraints of the specified conditions, the insurance contract is established. The issuance of an insurance policy is the act of an insurer, the purpose of which is to confirm the content of the insurance contract so that the parties could know the content of the insurance contract, it has the effect of proof. In accordance with Paragraph 1, Article 13 of the Insurance Law, an insurance contract shall be formed after the insurance applicant applies for insurance and the insurer agrees to underwrite the insurance. The insurer shall issue an insurance policy or other insurance certificate to the insurance applicant in a timely manner and the insurance policy or any other insurance certificate shall expressly state the contractual contents agreed upon by both parties. Thus it can be seen that the issuance of an insurance policy is not the necessary form for the establishment of an insurance contract.

3. The insurance premium is the consideration for an insured to obtain the insurance guarantee services. Pursuant to Paragraph 3, Article 13 of the Insurance Law, a legally formed insurance contract shall become effective upon its formation. An insurance applicant and an insurer may attach a condition or time limit for the effectiveness of the contract. It follows that it can be stipulated in the insurance contract that the payment of the insurance premium is an essential element for the validity of the insurance contract.

If it is stipulated that the insurance contract will take effect when the insurance premium is paid, the insurance applicant shall not assume the compensation liability for the losses occurring before paying the insurance premium. 

 一、当事人就货物保险损失达成的《赔偿协议书》及《货运险赔偿确认书》是对财产损害赔偿金额的自认,是真实意思表示,是有效的民事法律行为。
 二、保险合同以当事人双方意思表示一致为成立要件,即保险合同以双方当事人愿意接受特定条件拘束时,保险合同即为成立。签发保险单属于保险方的行为,目的是对保险合同的内容加以确立,便于当事人知晓保险合同的内容,能产生证明的效果。根据《保险法》第十三条第一款关于“投保人提出保险要求,经保险人同意承保,保险合同成立。保险人应当及时向投保人签发保险单或者其他保险凭证,并在保险单或者其他保险凭证中载明当事人双方约定的全部内容”之规定,签发保险单并非保险合同成立时所必须具备的形式。
 三、保险费是被保险人获得保险保障的对价。根据《保险法》第十三条第三款关于“依法成立的保险合同,自成立时生效。投保人和保险人可以对合同的效力约定附条件或者附期限”之规定,保险合同可以明确约定以交纳保险费为合同的生效要件。如保险合同约定于交纳保险费后保险合同生效,则投保人对交纳保险费前所发生的损失不承担赔偿责任。
 最高人民法院
 民事裁定书
 (2013)民申字第1567号
 再审申请人(二审上诉人、一审原告、一审反诉被告):云南福运物流有限公司。
 法定代表人:刘永洪,该公司总经理。
 委托代理人:黄涛,云南黄涛律师事务所律师。
 被申请人(二审上诉人、一审被告、一审反诉原告):中国人寿财产保险股份有限公司曲靖中心支公司。
 负责人:张冬松,该公司总经理。
 委托代理人:邹舟。
 委托代理人:李雨嫱,云南真宇律师事务所律师。
 再审申请人云南福运物流有限公司(以下简称福运公司)因与被申请人中国人寿财产保险股份有限公司曲靖中心支公司 (以下简称人寿财保曲靖公司)财产损失保险合同纠纷一案,不服云南省高级人民法院(2012)云高民二终字第110号民事判决,向本院申请再审。本院依法组成合议庭对本案进行了审查,现已审查终结。
 福运公司以其与人寿财保曲靖公司建立货物运输保险关系,发生保险事故后,其在向人寿财保曲靖公司进行保险索赔过程中受到欺诈、所签协议内容显失公平为由,诉至云南省曲靖市中级人民法院,请求法院判令:一、撤销福运公司、人寿财保曲靖公司于2011年8月30日签订的《赔偿协议书》及《货运险赔偿确认书》;二、人寿财保曲靖公司赔偿福运公司保险款2 372 007元 (扣除已支付的498 800元,尚欠福运公司保险赔偿款1 873 207元)。
 云南省曲靖市中级人民法院于2012年1月11日作出(2011)曲中民初字第114号民事判决,认为:依据《中华人民共和国保险法》第十、十三和十四条规定,福运公司采用手机电话投保了包括云AA7753、云A1480挂车在内的36辆汽车公路运输货物,由于客观原因,人寿财保曲靖公司的业务员曾超用笔记录了口述投保内容,后又作了补录。2011年8月18日,人寿财保曲靖公司向福运公司出具了保单尾号为16的《国内公路运输货物保险单》,且在2011年8月29日开具了收取保险费7630.85元的发票。对此,应认为双方当事人签订的《国内公路运输货物保险合同》是成立的。在尾数为16号保单明细表中的云AA7753、云A1480挂车在启运的当天,因左后轮起火,致车辆和车上装载的660担(33 000公斤)2010阿根廷/BIF片烟被烧毁,货物损失金额共计2 372 007元。人寿财保曲靖公司提交的《机动车辆保险报案记录(代抄单)》中记录了黄和灿报案时间为2011年8月16日22时54分06,该机动车和货物保险均在该保险公司,该保险公司应当同时知道货物被烧毁的事实。福运公司在事发后的第二天,即2011年8月17日9时34分才通过网上银行将保险费转入人寿财保曲靖公司业务员曾超的银行卡,按照双方签订的《国内公路运输货物保险单》中的约定,以及《中华人民共和国保险法》的相关规定,保险公司不承担保险责任。福运公司虽然未收到《公路货物运输保险条款》,以及未在尾数为16号的保单上签章,但该公司长期与人寿财保曲靖公司有保险业务,且实际收到了保单,应当知道《公路货物运输保险条款》和保单中的内容。福运公司2011年8月30日签章的《货运险赔偿确认书》,以及与人寿财保曲靖公司于同日签订的《赔偿协议书》,是经双方自愿协商达成的,且人寿财保曲靖公司按照协议一次性了结,全部支付了协议赔偿款。根据最高人民法院《关于民事诉讼证据的若干规定》第二条第一、二款的规定,虽然福运公司主张受人寿财保曲靖公司欺诈,致使其违背真实意思的情况下订立了内容显失公平的协议书等事实,以及人寿财保曲靖公司主张福运公司假意接受通融赔付协议,骗取与其签订国内公路运输货物保险合同,已构成欺诈,属于重大误解,但均无足够证据加以证明,双方当事人均应承担不利后果。判决:一、驳回福运公司的诉讼请求;二、驳回人寿财保曲靖公司的反诉请求。
 ......

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