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1、财产保险合同 英文propertyinsuranceclauseswholedoc.i. thepropertyinsuredthepropertyinsuredshallrefertoallpropertiesandexpensesspe-cifiedinthescheduleofthispolicy.unlessspecificallyagreeduponinwritingbetweentheinsuredandthecompanyandappraisedandvalue-establishedbyprofessionalsorassessors,thefollowingarticlesa
2、ndtheexpensesrelevanttheretoshallnotbecoveredunderthispolicy:1. gold,silver,pearls,diamonds,preciousstonesandjades;2. antiques,articlesofvirtue,ancientcoins,ancientbooksandancientpaintings;3. worksofartorpostagestamps;4. advertisements,aerials,neon,piecesofsolarenergyapparatu setc.onbuildings;5. com
3、putersystemrecordsoritsmakingandcopyingcosts.undernocircumstancesshallthefollowingarticlesrelevanttheret obecoveredhereunder:1. guns,ammunitionorexplosives;2. banknotes,securities,bills,documents,files,accountbooksordrawings;3. animals,plantsandagriculturalcrops;4. mobilephones,portablecomputers,rem
4、ovablephotographapparatusorotherpreciousarticles;5. vehicleslicensedforgeneraltransportuse.ii. scopeofcoverthecompanyshallindemnifytheinsuredinrespectofthephysicallossofordamagetotheinsuredpropertystatedinthescheduleduringtheperiodofinsurancedirectlyarisingfromthefollowingperils:1.fire;2. explosion;
5、butnotincludingexplosionofaboilerorotherpressurereliefdevices;3.lightning;4.hurricane,typhoonandtornado;5.storm,tempestandflood;butnotincludinglossordamagecausedbychangeinnormalwate rlevelorinundationfromseawaterorwaterescapeorleakagefrom thenormalconfinesofanynaturalwatercourse,lakeorreservoir,can
6、alordamaswellaslossofordamagetotheinsuredpropertycausedby storm,tempestorfloodwhilebeingstoredintheopenorcoveredbyorunderashedthatchedwithreeds,tarpaulins,straw,asphaltfelt,plasticor nylonsheet;6. hailstorm;7.landslide,rockslide,avalanche;8. volcanicexplosion;9. subsidenceofground;butnotincludinglos
7、sordamageresultingfrompiledriving, groundworkorexcavation;10. crashingaircraftandpartsorarticlesfallingfromaircraftand otherflyingobjects;11. burstingofwatertankorpipe;butnotincludingburstingofwatertankorpipeduetorust.iii. exclusionsthiscompanyshallnotbeliablefor:1.lossofordamagetotheinsuredproperty
8、orexpensescausedbyintentionalactorgrossnegligenceoftheinsuredorhisrepresentat ive;2.lossofordamagetotheinsuredpropertycausedandexpensesincurredbyearthquakeortsunami;3. depreciation,lossofmarket,lossofuseandotherconsequentiallossesofanydescription;4.lossofordamagetotheinsuredpropertyorexpensesincurre
9、darisingfromwar,warlikeoperation,hostilities,armedconflicts,terrorism,conspiracyinsurrection,coupdetat,strike,riot,andcivil commotion;5.confiscation,requisition,destructionordamagebyanyactionororderofanygovernmentdejureordefactoorbyanypublicauthorities;6.lossofordamagetoinsuredpropertydirectlyorindi
10、rectlycausedorexpensesincurredbynuclearfission,nuclearfusion,nuclearweapon,nuclearmaterial,nuclearradiationandradioactivecontamination;7.lossordamagecausedandexpensesincurredbypollutionofankindordescriptionwhatsoeversuchasatmosphere,landandwaterpollutionsbutthisdoesnotincludelossordamagecausedbypoll
11、utionarisingfromperilsspecifiedinarticleiithepolicy;8.thedeductiblesstatedinthescheduletobebornebytheinsured;9.lossordamagearisingfromanyotherperilsnotlistedinarticleiiofthispolicy.iv. treatmentofclaim1.thecompanyshallatitsoption,indemnifytheinsuredinrespectoflossordamagefallingwithinthescopeofcover
12、ofthepolicybyeither:1.1payingtheamountoftheactualvalueofthepropertylostor damagedor;1.2payingthenecessarycostofrepairingorrestoringthedamagedpropertytoitsnearestconditionimmediatelyprecedingthedama geor;1.3repairingorrestoringthedamagedpropertytoaconditionneartootherpropertyoflikekindandquality.2.in
13、demnityunderthispolicyshallbebaseduponthesoundmarke tvalueofthepropertyprevailingatthetimeofloss.ifthesoundmarketvalueofthedamagedpropertyislowerthanthesuminsuredofsuc hproperty,theclaimshallbesettledonitsmarketvalue;ifthesoundmarketvalueofthepropertyisinexcessofthesuminsured,theco mpanyshallonlybel
14、iableforsuchproportionoftheclaimasthesuminsure dofthedamagedpropertybearstoitssoundmarketvalue.iftheinsu redpropertyenumeratedinthescheduleismorethanoneitem,thepro visionofthisclauseshallapplytoeachthereof.3.ifaclaimforlossofordamagetotheinsureditemissettledonatotallossbasis,thesalvagevalueofsuchite
15、mshallbedeductedfr omtheindemnitypayablebythecompany.thecompanymay,atitsoption,declinetheabandonmentofanydamagedpropertybytheinsured.4.intheeventoflossofordamagetoanyequipmentiteminsuredformingpartofapairorset,thecompanyshallnotbeliableinrespec tofeachofsuchitemlostordamagedformorethanitsproportiona
16、tepartofthesuminsuredonthecompletepairorset.5.intheeventofanylossoccurrence,thecompanyshallalsopayth einsuredfortheexpensesreasonablyincurredfortakingnecessar ymeasurestominimizelossordamagetotheleastextent,butinnocaseshalls uchexpensesreferredheretoexceedthesuminsuredoftheinsuredpr operty.6.uponset
17、tlementofaclaim,anendorsementshallbeissuedbyth ecompanytoreducethesuminsuredcorrespondingtotheproperty lostordamagedbytheamountsosettledfromthedateofloss,andnopre miumshallberefundedfortheamountsoreduced.ifreinstatementofthe suminsuredisrequiredbytheinsureduponsettlementoftheclaim,anadditionalpremiu
18、mforthereinstatedamountshallbechargedata nagreedrate,andbecalculatedonproratadailybasisfromthedateoflosstotheexpiryoftheinsurance.7.thetimeofvalidityofaclaimunderthisinsuranceshallnotexceedaperiodoftwoyearcountingfromthedateofloss.v.insuredsobligationsthefollowingobligationsshallbestrictlyfulfilledb
19、ytheinsuredandhisrepresentative:1. theinsuredandhisrepresentative,whenapplyingforinsuranceshallmaketrueanswersordescriptionstothequestionsinthepro posalandquestionnaireortoanyotherquestionsraisedbythecompany.2. theinsuredandhisrepresentativeshallpaytothecompanyindu ecoursetheagreedpremiuminthemanner
20、asprovidedinthesched uleandendorsements.3. duringtheperiodofthisinsurance,theinsuredshallathisownexpensetakeallreasonableprecautions,includingpayingsuffici entattentiontoandputtingintopracticethereasonablerecommenda tionsofthecompany,prudentlyselectingtheworkmenandemployeesa ndcomplyingwithallstatut
21、oryregulationsandsafetyoperationprocedures.4.intheeventofanyoccurrencewhichgivesormightgiverisetoa claimunderthispolicy,theinsuredorhisrepresentativeshall:4.1notifythecompanyimmediatelyandwithinseven(7)daysoran yfurtherperiodasmaybeagreedbythecompanyinwriting,furnish awrittenreporttoindicatethecours
22、e,probablereasonandextentoflossordamage;4.2takeallnecessarymeasurestoavoidaggravationofthelossor damageandminimizeittotheleastextent;4.3preservethespotaffectedanddefectivepartsbeforean inspectioniscarriedoutbyarepresentativeorsurveyorfromthe company;4.4furnishallsuchinformationanddocumentaryevidence
23、asthe companymayrequireforsupportingtheclaim.vi.generalconditions1. policyeffectthedueobservanceandfulfilmentofthetermsandconditionsofthi spolicyinsofarastheyrelatetoanythingtobedoneorcompliedwith bytheinsuredshallbeaconditionprecedenttoanyliabilityofthecompanyunderthispolicy.2. policyvoidancethispo
24、licyshallbevoidableintheeventofmisrepresentation,misdescriptionornon-disclosuremadebytheinsuredorhisrepresentativeinanymaterialparticularinrespectofthisinsurance.3. policyterminationunlessitscontinuancebeadmittedbythecompanyinwriting,thispolicyshallbeautomaticallyterminatedif:3.1theinsurableinterest
25、oftheinsuredislost;3.2theriskoflossordamageisincreased.afterterminationofthepolicy,thepremiumshallberefundedtotheinsuredcalculatedonproratadailybasisfortheperiodfromthedat eofterminationtothedateofexpiry.4. policycancellationthispolicymaybecanceledatanytimeattherequestoftheinsuredinwritingorattheopt
26、ionofthecompanybygivingafifteen(15)dayspriornoticetotheinsured.intheformercasethecompanyshallretainapremiumcalculatedonshorttermratebasisforthetimethepolicyhasbeeninforcewhileinthelattercasesuchpremiumshallbecalculatedonproratadailybasis.5. forfeitofbenefitiftheclaimisinanyrespectfraudulent,orifanyf
27、raudulentmeansordevicesareusedbytheinsuredorhisrepresentativetoobtainanbenefitunderthispolicyorifanylossordamageisoccasionedbyth eintentionalactorintheconnivanceoftheinsuredorhisrepresentative,theninanyofthesecases,alltherightsandbenefitsoftheinsuredunderthispolicyshallbeforfeited,andallconsequentlo
28、ssesarisin gtherefromincludingtheamountofclaimpaidbythecompanyshallbeindemnifiedbytheinsured.6. reasonableinspection therepresentativeofthecompanyshallatanysuitabletimebeentitledtoattendthesiteandinspectorexaminetheriskexplosure ofthepropertyinsured.forthispurpose,theinsuredshallprovidefull assistan
29、ceandalldetailsandinformationrequiredbythecompanyasmaybenecessaryfortheassessmentoftherisk.theabovementioned inspectionorexaminationshallinnocircumstancesbeheldasany admissiontotheinsuredbythecompany.7. doubleinsurance shouldanyloss,damage,expensesorliabilityrecoverableunderthe policybealsocoveredby
30、anyotherinsurance,thecompanyshallonlybeliabletopayorcontributehisproportionoftheclaimirrespectiveas towhethertheotherinsuranceisarrangedbytheinsuredorothersonhisbehalf,orwhetheranyindemnificationisobtainableundersuchotherinsurance.8. subrogationwhereathirdpartyshallbeheldresponsibleforthelossordamag
31、ecoveredunderthispolicy,theinsuredshall,whetherbeingindemnifiedbythecompanyornot,takeallnecessarymeasurestoenforceorreservetherightofrecoveryagainstsuchthirdparty,anduponbeingindemnifi edbythecompany,subrogatetothecompanyalltherightofrecovery,tr ansferallnecessarydocumentstoandassistthecompanyinpurs
32、uingre coveryfromtheresponsibleparty.9. disputealldisputesunderthisinsurancearisingbetweentheinsuredandt hecompanyshallbesettledthroughfriendlynegotiations.wherethe twopartiesfailtoreachanagreementafternegotiations,suchdispute shallbesubmittedtoarbitrationortocourtforlegalactions.unlessotherwiseagre
33、ed,sucharbitrationorlegalactionshallbecarriedoutintheplacewherethedefendantisdomiciled.vii.specialprovisionsthefollowingprovisionsshallbeappliedtoallpartsofthispolicyandshalloverridetheothertermsandconditionsofthispolicyifanyconflictarises.propertyinsurancepolicypolicyno.:whereastheinsurednamedinthe
34、scheduleheretohasmadetoth einsurancecompany(hereinaftercalled""thecompany"")awrittenproposalwhichtogetherwithanyotherstatementsmadebytheinsuredforthepurposeofthispolicyisdeemedtobeincorporatedhereinandhaspaidtothecompanythepremiumstatedintheschedule.nowthispolicyofinsurancewitnes
35、sesthatsubjecttothetermsandconditionscontainedhereinorendorsedhereonthecompanyshallindemnifytheinsuredforthelossordamagesustainedduringtheperiodof insurancestatedinthescheduleinthemannerandtotheextent hereinafterprovided.bytheinsurancecompanyauthorisedsignaturedateofissue:placeofissue:schedulepolicy
36、no.:1.nameandaddressoftheinsured1.1theinsured:1.2address:2.locationofthepropertyinsured:3.natureoftrade:4.insureditemsandsumsinsured:insureditemssumsinsured4.1propertyinsured 4.1.1building(s)(includingdecoration): 4.1.2machineryandequipment: 4.1.3furnitureandfixture:(includingofficeequipmentandsuppl
37、ies) 4.1.4stock:4.1.5others:4.2additionalexpenses: 4.2.1removalofdebrisfees:4.2.2fireextinguishingexpenses: 4.2.3professionalfees:4.2.4otherexpenses:totalsuminsured:5. deductible(anyoneaccident):6. periodofinsurance:_months.from00:00ofto24:00hoursof7. premiumrate:totalpremium:8. dateofpayment:9. jurisdiction:thispolicyisgovernedbylawofthepeoplesrepublicofchina.10. specialprovisions:propertyinsurancepolicysscheduleinsurancecompany