Rsearch On The Assignment Of The Object Of Property Insurance

The main content of the clause of the object of property insurance is the transfer of rights and obligations of the insurance contract. China’s Insurance Law which published in2009changes the rules of the clause of the object of property insurance which fixed in2002, it realized the transformation from the personal doctrine to the physical principle. The new insurance law has great progress compared with the old insurance law. First, it has protecting concessioners which in a weak position in the the insurance relationship.it sets out the rules that insurance contract will transfer without "the consent of the insuer"if the object of the property insurance had be transferred,which in favors of the stability of the insurance relationship.Second,the new insurance law sets out the rules of the obligation of giving notice when the property insurance had be transferred.The rule includes obligation of giving notice of the fact of the property insurance had be transferred and the fact of the significant increasing in the risk which touching off the the object of property insurance.But,there are still unperfect places in the new insurance law,which need further theoretical researching.The core of the article’s content is studing the effect of the transfer of the object of property insurance to the insurance contract.The article includs three chapters.The first chapter,putting forward the problems and some basic concepts related to the transfer of the object of property insurance in base of on insurance case and the rules of the new and old insurance law.The second chapter, differentiating and analysing the basic concepts which be putted forword in the first chapter,including insurance object, insurance interest, insurance contract object, the transfer of the insurance object, the transfer of insurance interest, insurance claims and the transfer of insurance contract.The third chapter,is the core of the article.The aim of the chapter is stuying the effectiveness of the transfer of the insurance object.The chapter is divided into four parts.The first part in about "the consent of the insuer".The second part in about the position of the concessioners in the insurance contract which has be trasferred.The third is about obligation of the payment of the Insurance premium.The fourth part is the the most important part in the charpter,even in the whole of the article.The part is about the obligation of giving notice,incuding obligation of giving notice of the fact of the property insurance had be transferred and the fact of the significant increasing in the risk which touching off the the object of property insurance.