According to the early British insurance cases and the development of the written laws on later stage,I sum up two kinds of theories, analyse the meanings of two kinds of theories, the backgrounds , the practical meaning and their existing defects.

• 根据早期英国的保险判例及后期成文法的发展，归纳出两种理论，分析了两种理论的涵义、产生背景、对实践的意义和存在的缺陷。