在国际海上货物运输中,经常会发生货损货差,保险索赔也就随之而至。而保险人保险责任的认定则是一项政策性强、程序复杂的重要工作,它直接影响到国家的信誉和企业的利益。本文结合伦敦保险协会海上货物运输保险条款,从责任期间、保险标的、可保利益以及索赔款项的合理性等四个方面详细论述了保险人保险责任认定的条件。 In the international carriage of goods by sea, cargo damage often occurs, insurance claims will follow. The identification of the insurance liability of the insurer is an important task with strong policy and complicated procedures. It directly affects the reputation of the state and the interests of the enterprise. In this paper, the insurance policies of the London Insurance Association for the carriage of goods by sea are discussed in detail from four aspects: the period of responsibility, the subject of insurance, the insurable interest and the rationality of claims.