任何一项民事活动,各方当事人都应当遵循诚信原则.诚信原则是世界各国民事立法对民事、商事活动的基本要求.各国民法中对此均有规定.在保险法律关系中,要求当事人具有的诚信程度,要比一般民事活动更为严格.此即保险的最大诚信原则.英国《保险法词典》中对此有如下论述:“最大诚信是保险法的基本原则,保险合同双方必须遵守该原则,保险是一个带有投机性质的合同,一般情况下有关偶然机能的主要情况只有被保险人知道,保险人相信被保险人的陈述.如果被保险人不将主要情况告诉保险人就是欺诈.”最大诚信原则是基于保险这一特殊行业的特点而建立的.保险人只能依赖于投保人的告知和陈述来承保和确定费率,从而要求投保人本着最大诚信原则履行其告知、陈 Any one of the civil activities, all parties should abide by the principle of good faith.The principle of good faith is the basic requirements for civil and commercial activities of civil legislation in various countries in the world, which is stipulated in civil law of all countries.In the law of insurance, the parties are required to have Honesty, than the more civil activities more strictly.This is the principle of the maximum integrity of insurance.English “Insurance Law Dictionary” in the following discussion: "The greatest integrity is the basic principles of insurance law, the insurance contract must comply with both the principle of insurance Is a speculative contract, under normal circumstances only the accidental function of the main situation known only to the insured, the insurer believes the insured person’s statement .If the insured person does not tell the insurer is the main fraud. The principle is based on the characteristics of insurance in this particular industry and the insurer can only rely on the insurer’s notification and statement to cover and determine the rate, thus requiring the insured in accordance with the principle of the principle of the greatest good faith to fulfill its notice, Chen