案情介绍南京市溧水县个体户张某于1994年7月自筹资金组织建造了一艘机动钢质船──“溧水机116号”，并于同年9月，以400万元的价值向当地中国人民保险公司投保船舶险，保险期限一年。根据“国内船舶保险条款”第四章第十条的“个体船舶按照最高不超过实际价值的七成确定保险 Case introduction Zhang Lishui County, Nanjing self-employed in July 1994 self-financing organization to build a motorized steel boat - “Lishui Machine No. 116”, and in September the same year, with a value of 4 million yuan to the local China People’s Insurance Company insures ship insurance, insurance period of one year. According to the “Domestic Shipping Insurance Clauses” Chapter IV, Article X of the "individual ships in accordance with the highest does not exceed the actual value of 70% sure insurance