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   Jiangsu Overseas Enterprise Group Co., Ltd. v. Shanghai Branch of Winterthur Insurance (Asia) Co., Ltd. (case regarding dispute over an insurance contract for marine cargo transportation)
(case regarding dispute over an insurance contract for marine cargo transportation)

原告江苏省海外企业集团有限公司与被告丰泰保险（亚洲）有限公司上海分公司海上货物运输保险合同赔偿纠纷案

[Key Terms] marine insurance ; utmost good faith ; rescission of a contract

[核心术语] 海运保险；最大诚信；解除合同

[Disputed Issues] Where the insured party to an insurance contract for international cargo transportation fails to inform the insurer that the goods are damaged when they are aware of this, may the insurer make a claim to rescind the contract?

[争议焦点] 国际货物运输保险合同中，被保险人在明知货物损毁的情况下未告知保险人的，保险人能否主张解除合同？

[Case Summary] The principle of utmost good faith applies to insurance contracts so during the signing and performance of an insurance contract the insured party should truthfully and actively disclose all the facts that affect the signing of the insurance contract. This is because parties to an insurance contract have the characteristics of asymmetric information. The insurer may only make a decision about underwriting when the insured party is under the utmost good faith. Under the provisions of Article 223 of the Maritime Law...

[案例要旨] 保险合同实行最大诚信原则即在保险合同的签订和履行过程中被保险人应当如实主动告知影响保险合同签订的所有事实。因为保险合同当事人具有信息不对称的特点只有被保险人履行最大诚信义务保险人才能作出是否承保的决定。《海商法》》第二百二十三条规定...

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