第二百六十四条 保险人赔偿海上保险事故造成的损失，以保险金额为限。保险金额低于保险价值的，在保险标的发生部分损失时，保险人按照保险金额与保险价值的比例承担赔偿责任。
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（一）船舶按份共有的，应当取得持有三分之二以上份额的共有人的同意；
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