我国《海商法》、《保险法》以及《合同法》对于海上货物运输保险赔付中的“及时”赔付规定过于模糊,实践操作中会出现延迟赔付进而导致被保险人损失,并要求保险人承担损害赔偿的问题。而2015年有关拖延支付保险赔款的条款被并入英国《企业法案》,其有可能成为2015年《英国保险法》的修正案。其中“合理时间”的确定,可以为我国的立法和司法实践提供借鉴意义。 China ’s “Maritime Law”, “Insurance Law” and “Contract Law” are too vague on the “timely” claims in the insurance of carriage of goods by sea. In practice, there will be a delay in the payment of claims, which will result in the loss of the insured and require the insurer Bear the damage compensation problem. The 2015 clause on deferred payment of insurance claims was incorporated into the UK Business Act, which could become an amendment to the 2015 British Insurance Act. Among them, the determination of “reasonable time” can provide reference for our country’s legislation and judicial practice.