OTHER-INSURANCE CLAUSE

other insurance clause

other-insurance clause. An insurance-policy provision that attempts to limit coverage if the insured has other coverage for the same loss. • The three major other-insurance clauses are the pro rata clause, the excess clause, and the escape clause. See ESCAPE CLAUSE; EXCESS CLAUSE; PRO RATA CLAUSE. [Cases: Insurance 2111.]

other insurance clause

glossary / OTHER-INSURANCE CLAUSE, 另保条款

other insurance clause 另保条款保险单中的一项条件条款，不允许被保险人未经保险人同意就同一承保风险另行投保。此条款通常见于火灾保险单中。如果被保险人就其财产另有保险，他应将此事实向保险人披露，并在保单上背书注明，否则该保险被视作无效。

other insurance clause

保险词汇 / OTHER-INSURANCE CLAUSE, 他保条款

other insurance clause 他保条款指同一保险标的有其他保险合同存在时，规定保险人赔偿责任如何分摊的条款。大多数财产保险单、责任保险单或健康保险单都列有此条款，约定分摊方式。