보험자가 피보험자의 피보험 이익 유무를 묻지 않고 보험 증권 자체를 이익의 증거로 인정하여 전액을 보상하기로 약정하는 약관.
A clause in an insurance policy, particularly in marine insurance, where the insurer agrees to accept the policy itself as proof of interest, waiving the need for the insured to provide further evidence of insurable interest in the event of a loss.
예문:
"The cargo was insured on a fia basis to avoid complex documentation during the claims process."
"Under a fia clause, the underwriter cannot demand proof of ownership at the time of the loss."
"Many marine policies include fia terms when the insurable interest is difficult to quantify precisely."