81.在本保险投保金额少于其可保价值，或在定值保险单中，投保的金额少于保险单价值之场合，就有关该未保险余额，他应视为是他自已的保险人。
保险费的退费（Return of Premium）
第82条 退费（Enforcement of return）
82.Where the premium, or a proportionate part thereof is, by this Act, declared to be returnable,-
(a) If already paid, it may be recovered by the assured from the insurer; and
(b) If unpaid, it may be retained by the assured or his agent.
82．凡根据本法规定，已申明的保险费或保险费的一个比例部分可以退还：
(a) 如果保险费已经缴付，可由被保险人向保险人追回；
(b) 假如未缴付保险费，被保险人或其代理人可以保留之。
第83条 约定退费（Return by agreement）
83.Where the policy contains a stipulation for the return of the premium, or a proportionate part thereof, on the happening of a certain event, and that event happens, the premium, or, as the case may be, the proportionate part thereof, is thereupon returnable to the assured.
83．在保险单中有发生某一事件时退还保险费或部分保险费的规定之情况下，当发生该事件时，保险费或保险费的比例部分，由保险人退还给被保险人。
第84条 缺乏对价的退费（Return for failure of consideration）
84.(1) Where the consideration for the payment of the premium totally fails, and there has been no fraud or illegality on the part of the assure or his agents, the premium is thereupon returnable to the assured.
(2) Where the consideration for the payment of the premium is apportionable and there is a total failure of any apportionable part of the consideration, a proportionate part of the premium is, under the like conditions, thereupon returnable to the assured.
（3）In particular-
(a) Where the policy is void, or is avoided by the insurer as from the commencement of the risk, the premium is returnable, provided that there has been no fraud or illegality on the part of the assured; but if the risk is not apportionable, and has once attached, the premium is not returnable.
(b) Where the subject-matter insured, or part thereof, has never been imperiled, the premium, or, as the case may be, a proportionate part thereof, is returnable;
Provided that where the subject-matter has been insured “lost or not lost” and has arrived in safety at the time when the contract is concluded, the premium is not returnable unless, at such time, the insurer knew of the safe arrival.
(c) Where the assured has no insurable interest throughout the currency of the risk, the premium is returnable, proviede that this rule does not apply to a policy effected by way of gaming or wagering;
(d) Where the assured has a defeasible interest which is terminated during the currency of the risk, the premium is not returnable;
(e) Where the assured has over-insured under an unvalued policy, a proportionate part of the premium is returnable;
(f) Subject to the foregoing provisions, where the assured has over-insured by double insurance, a proportionate part of the several premiums is returnable;
Provided that, if the policy are effected at different times, and any earlier policy has at any time borne the entire risk, or if a claim has been paid on the policy in respect of the full sum insured thereby, no premium is returnable in respect of that policy, and when the double insurance is effected knowingly by the assured no premium is returnable.
84.（1）在支付保险费所考虑的对价完全缺乏，且被保险人及其代理人不存在任何欺诈和非法行为的情况下，保险费得退还被保险人。
（2）在支付保险费所考虑的对价可以分割，且有任何可分割部分完全缺乏之场合，该比例部分的保险费得根据相同条件退还被保险人。
(3) 特别是：
(a) 如果被保险人不存在欺诈或非法行为，在保险人宣布自风险开始起，保险单无效或撤销保险单，保险费应予退回； 但若该风险是不可分割的，一旦保险责任已开始，则保险费不得退回。
(b) 如果保险标的或其他部分从未处于危险之中，保险费或该比例部分的保险费便可退回；
但是，如果保险标的是按“无论是否已灭失”条件保险，且当合同订立时该条保险标的已经安全到达，保险费亦不得退回，除非订立合同时，保险人已知道其业已安全到达。
(c) 如果在整个风险存在期间，被保险人无保险利益，保险费可予退回，但这一规则对赌博性保险单不适用。
(d) 如果被保险人的可撤销的利益于风险存在期间终止，则保险费不能退回。
(e) 如被保险人不定值保险单中超额保险，保险费得按比例退还一部分。
(f) 除前述条款另有规定外，若被保险人经重复保险而超额保险，几笔保险费按比例退还。
但是，如果几份保险单在不同时间开始生效，任何较早订立的保险单已在任何时间承保整个保险，或保险单已就全部保险金额支付赔偿，该保险单项下的保险费不能退回；若被保险人在明知的情况下订立重复保险，保险费不予退还。
相互保险（Mutual Insurance）
第85条 相互保险情况下本法的修改（Modification of Act in case of mutual insurance）
(1) Where two or more persons mutually agree to insure each other against marine losses there is said to be a mutual insurance.
(2) The provisions of this Act relating to the premium do not apply to mutual insurance, but a guarantee, or such other arrangement as may be agreed upon, may be substituted for the premium.
(3) The provisions of this Act, in so far as they may be modified by the agreement of the parties, may in the case of mutual insurance be modified by the terms of the polices issued by the association, or by the rules and regulations of the association.
(4) Subject to the exceptions mentioned in this section, the provision of this Act apply to a mutual insurance.
85. (1) 两人或两人以上彼此同意互相承保海上损失，称为相互保险。
（2）本法有关保险费的各项规定，不适用于相互保险，各方达成的担保或其他类似安排可以替代保险费。
（3）本法的各项规定，在可由各方协议修改的范围内，在适用于相互保险时，可由保赔协会签发的保险单的条件或协会的规则和章程加以修改。
（4）除本条所提及的例外，本法的各项规定适用于相互保险。
补充条款（Supplemental）
第86条 被保险人的认可（Ratification by assured）
86.Where a contract of marine insurance is in good faith effected by on e person on behalf of another, the person on whose behalf it is effected may rarity the contract even after he is aware of a loss.
86．若某人代表他人善意签定海上保险合同，即使在该被代表订立合同之人知晓损失之后，仍可以追认该合同。
第87条 由协议或习惯改变的默示义务（Implied obligations varied by agreement or usage）
(1) Where any right, duty, or liability would arise under a contract of marine insurance by implication of law, it may be negatived or varied by express agreement, or by usage, if the usage by such as to bind both parties to the contract.
(2) The provisions of this section extend to any right, duty, or liability declared by this Act which may be lawfully modified by agreement.
87．（1）海上保险合同因法律的默示而产生的权利、义务或责任，均可通过双方明文协议或依据双方都能接受并受其约束的习惯否定或修改之。
（2）本条各项规定，可以扩大到本法规定的经协议合法修改的任何权利、义务或责任。
第88条 合理的时间等属于事实问题（Reasonable time, etc., a question of fact）
88.Where by this Act any reference is made to reasonable time, reasonable premium, or reasonable diligence, the question what is reasonable is a question of fact.
88．在本法提及的任何有关合理时间，合理保险费，或合理谨慎之场合，何谓合理属于事实问题。
第89条 承保条作为证据（Slip as evidence）
89.Where there is a duly stamped policy, reference may be made, as heretofore, to the slip or covering note, in any legal proceeding.
89．在保险单有义务贴足印花之情况下，满足印花要求的承保条或承保通知书在法律诉讼中均得作为证据。
第90条 术语解释（Interpretation of terms）
90.In this Act, unless the context or subject-matter otherwise requires,-
“Action” includes counterclaim and set-off;
“Freight” includes the profit derivable by a shipowner from the employment of his ship to carry his own goods or movables, as well as freight payable by a third party, but does not include passage money;
“Movables” means any movable tangible property, other than the ship, and includes money, valuable securities, and other documents;
“Policy” means a marine Policy.
90．在本法中除非上下文或所述问题另有要求，
“诉讼”包括反诉和抵销
“运费”包括船东使用自已的船舶运送自已的货物或动产获取的利润，以及由第三者支付的运费，但不包括客票价款。
“动产”指除船舶之外的任何可移动的有形财产，包括货币、有价证券及其他单证。
“保险单”指海上保险单。
第91条 保留 （Savings）
91.(1) Nothing in this Act, or in any repeal effected thereby, shall affect-
(a) The provisions of the Stamp Act, 1891, or any enactment for the time being in force relation to the revenue;
(b) The provisions of the Companies Act, 1862, or any enactment amending or substituted for the same;
(c) The provisions of any statute not expressly repealed by this Act.
(2) The rules of the common law including the law merchant, save in so far as they are inconsistent with the express provisions of this Act, shall continue to apply to contracts of marine insurance.
91．（1）本法或任何已废除的条文不影响：
(a) 1891年《印花税法》或任何有关税收的现行法规；
(b) 1862年《
公司法》或任何对其修订或替代的法规；
(c) 本法未明文废除的任何法规条文。
(2) 普通法包括商法除非与本法明文规定相悖，得继续适用于海上保险合同。
第92条 废止（Repeals）
92.The enactment mentioned in the Second Schedule of this Act are hereby repealed to the extent specified in that schedule.
92．本法附件2列举的各项法律规定，按该附件所确定的范围予以废除。
第93条 生效（Commencement）
93.This Act shall come into operation on the first day of January one thousand nine hundred and seven.
