船舶价值的确定直接影响到互保比例的大小和理赔金额的多少，这尤其体现在附加第三者责任和小综合险种上。究竟如何确定船舶价值更合理，笔者就这一问题谈点看法。首先，新造船舶价值的确定越接近实际价值越好，不能高也不应该低。若确定价值过低就会导致在同样的保额情况下， The determination of the value of the ship directly affects the size of the mutual insurance and the amount of the claims, which is especially reflected in the additional third party liability and the small comprehensive insurance. How to determine the value of the ship is more reasonable, the author talk about this issue point of view. First of all, the new shipbuilding value to determine the closer to the actual value of the better, can not be high and should not be low. If you determine the value is too low will result in the same amount of insurance coverage,