错误,是导致效果意思与表示意思不一致的原因之一。英美法系和大陆法系国家的合同法以及《国际商事合同通则》对错误的界定及处理各不相同。在各种错误概念的基础上,针对保险合同的特殊性(附和性、射幸性和远期服务性),可以将保险合同的错误分为订立保险合同过程中的错误和保险理赔中的错误。根据我国《合同法》和《保险法》,按照保险合同的错误的分类,对错误的保险合同可相应地采用撤销、更改等处理方法。 Errors, is one of the reasons why the meaning of the effect means inconsistent with the meaning. The contract law of Anglo-American legal system and civil law countries as well as the definition and handling of mistakes in the “General Principles of International Commercial Contracts” are different. Based on various misconceptions, we can divide the mistake of insurance contract into the mistake of making insurance contract and the error of insurance claim against the particularity of insurance contract (compatibility, shooting fortune and long-term service). According to China’s “Contract Law” and “Insurance Law”, according to the wrong classification of insurance contracts, the wrong insurance contracts can be revoked and changed accordingly.