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保险标的转让与保险合同转让之间不具有必然的因果联系,保险标的的转让更不是保险合同转让的唯一原因和根本原因。保险合同的转让未必均须征得保险人的同意,而是应区分法定转让与意定转让两种情形并分别予以考虑。保险合同转让的时间标准应是财产保险合同转让制度的一个重要组成部分,因而在对我国现行保险法进行修改时,应增加有关保险合同转让时间标准的规定。
There is no necessary causal link between the transfer of the insurance subject and the assignment of the insurance contract, and the transfer of the subject of insurance is not the only reason and the fundamental reason for the transfer of the insurance contract. The transfer of the insurance contract may not be subject to the consent of the insurer, but should be divided into two kinds of legal transfer and intended transfer will be considered separately. The time standard of the transfer of insurance contract should be an important part of the system of transfer of property insurance contract. Therefore, when the current insurance law in our country is amended, the regulations on the time standard of insurance contract transfer should be added.