货物所有人和承运人对于所运输的货物具有的保险利益的性质是截然不同的 ,因而适用的保险条款也是不同的。前者适用货物运输保险条款 ,后者适用承运人责保险条款。货物的保险利益不能转让给承运人 ,由于保险合同与运输合同责任重叠部分毕竟有限 ,所以货物运输保险的市场需求并不会因为运输合同的存在而受影响。另一方面 ,货物运输保险合同也不可能涵盖运输合同中承运人的全部责任。 The nature of the insurance benefits that the owner of the goods and the carrier have for the goods being shipped is quite different and therefore the applicable insurance clause is also different. The former applies the cargo transport insurance clause, which applies the carrier liability insurance clause. The interests of the insurance of the goods can not be transferred to the carrier. Since the overlap of the insurance contract and the liability of the transportation contract is limited, the market demand of the cargo transportation insurance will not be affected by the existence of the contract of carriage. On the other hand, it is impossible for the contract of carriage of goods and transport to cover the entire liability of the carrier in the contract of carriage.