保险合同变更

这样就增加了保险合同变更的灵活性和投保人、被保险人自由性。

It is free to increase the flexibility , insured , the assured of modification of the contract of insurance in this way .

由于投保人必须对保险标的具有保险利益，所以，保险标的转让相应地会带来保险合同主体的变更，转让保险标的就需要履行法定的手续。

Because policy-holder must is opposite of insurance mark have insurance interest , so , the cession of insurance mark can bring the change of insurance contract main body accordingly , those who transfer insurance sign perform legal procedure with respect to need .

因保险标的转让而变更保险合同有一种特定情况，就是货物运输保险合同的保险标的转让，保险合同自动变更。

Because of the cession of insurance mark modificatory insurance contract has a kind of specific case , of the insurance mark that is freightage insurance contract make over , insurance contract is changed automatically .

修改后的《保险法》已经实施一年多，它规定了保险标的转让时，投保人和被保险人只要通知保险人，保险合同即可变更。

Amended the Insurance Act has been implemented for over a year , when it provides for the transfer of the subject-matter insured , insured persons and informed the insurer of the insured , the insurance contract can be changed .