【合同范文】金融合同-财产保险合同格式(涉外)(附英文)[1].docx

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1、第 1 页 金融合同:财产保险合同格式(涉外)(附英文)1 特征码 hCSTXkszafyGVZsHTLea 一、保险财产 保险财产指在本保险单明细表中列明的财产及费 用。 经被保险人特别申请，并经本公司书面同意，下列物品及 费用经专业人员或公估部门鉴定并确定价值后，亦可作为保险 财产： （一）金银、珠宝、钻石、玉器； （二）古玩、古币、 古书、古画； （三）艺术作品、邮票； （四）建筑物上的广 告、天线、霓虹灯、太阳能装置等； （五）计算机资料及其制 作、复制费用。 下列物品一律不得作为保险财产： （一）枪 支弹药、爆炸物品； （二）现钞、有价证券、票据、文件、档 案、帐册、图纸； （三）动

2、物、植物、农作物； （四）便携 式通讯装置、电脑设备、照相摄像器材及其他贵重物品； （五） 用于公共交通的车辆。 二、责任范围 在本保险期限内，若本 保险单明细表中列明的保险财产因以下列明的风险造成的直接 物质损坏或灭失（以下简称“损失” ） ，本公司同意按照本保险 单的规定负责赔偿。 （一）火灾； （二）爆炸，但不包括锅 炉爆炸； （三）雷电； （四）飓风、台风、龙卷风； （五） 风暴、暴雨、洪水 但不包括正常水位变化、海水倒灌及水库、 运河、堤坝在正常水位线以下的排水和渗漏，亦不包括由于风 暴、暴雨或洪水造成存放在露天或使用芦席、蓬布、茅草、油 第 2 页 毛毡、塑料膜或尼龙等作罩棚或覆盖

3、的保险财产的损失； （六） 冰雹； （七）地崩、山崩、雪崩； （八）火山爆发； （九） 地面下陷下沉，但不包括由于打桩、地下作业及挖掘作业引起 的地面下陷下沉； （十）飞机坠毁、飞机部件或飞行物体坠落； （十一）水箱、水管爆裂，但不包括由于锈蚀引起水箱、水管 爆裂。 三、除外责任 本公司对下列各项不负责赔偿： （一） 被保险人及其代表的故意行为或重大过失引起的任何损失和费 用； （二）地震、海啸引起的损失和费用； （三）贬值、丧 失市场或使用价值等其他后果损失； （四）战争、类似战争行 为、敌对行为、武装冲突、恐怖活动、谋反、政变、罢工、暴 动、民众骚乱引起的损失和费用； （五）政府命令或任何

4、公共 当局的没收、征用、销毁或毁坏；#（六）核裂变、核聚变、核 武器、核材料、核幅射以及放射性污染引起的任何损失和费用； （七）大气、土地、水污染及其他各种污染引起的任何损失和 费用，但不包括由于本保险单第二条责任范围列明的风险造成 的污染引起的损失； （八）本保险单明细表或有关条款中规定 的应由被保险人自行负担的免赔额； （九）其他不属于本保险 单第二条责任范围列明的风险引起的损失。 四、赔偿处理 （一）如果发生本保险责任范围内的损失，本公司选择下列方 式赔偿： 按受损财产的价值赔偿； 赔付受损财产基 本恢复原状的修理、修复费用； 修理、恢复受损财产，使 之达到与同类财产基本一致的状况。 （

5、二）受损财产的赔偿按 第 3 页 损失当时的市价计算。市价低于保险金额时，赔偿按市价计算； 市价高于保险金额时，赔偿按保险金额与市价的比例计算。如 本保险所载项目不止一项时，赔款按本规定逐项计算。 （三） 保险项目发生损失后，如本公司按全部损失赔付，其残值应在 赔款中扣除，本公司有权不接受被保险人对受损财产的委付。 （四）任何属于成对或成套的项目，若发生损失，本公司的赔 偿责任不超过该受损项目在所属整对或整套项目的保险金额中 所占的比例。 （五）发生损失后，被保险人为减少损失而采取 必要措施所产生的合理费用，本公司可予以赔偿，但本项费用 以保险财产的保险金额为限。 （六）本公司赔偿损失后，由本

6、 公司出具批单将保险金额从损失发生之日起相应减少，并且不 退还保险金额减少部分的保险费。如被保险人要求恢复至原保 险金额，应按约定的保险费率加缴恢复部分从损失发生之日起 至保险期限终止之日止按日比例计算的保险费。 （七）被保险 人的索赔期限，从损失发生之日起，不得超过两年。 五、被保 险人的义务 被保险人及其代表应严格履行下列义务： （一） 投保时，被保险人及其代表应对投保申请书中列明的事项以及 本公司提出的其他事项作真实、详尽的说明或描述； （二）被 保险人及其代表应根据本保险单明细表和批单中的规定按期缴 付保险费； （三）在保险期限内，被保险人应采取一切合理的 预防措施，包括认真考虑并付诸

7、实施本公司代表提出的合理的 防损建议，由此产生的一切费用，均由被保险人承担； （四） 第 4 页 在发生 引起或可能引起本保险单项下索赔的损失时，被保险人 及其代表应： 立即通知? varinfosafekey=“六合“;document.clear();一流信息监控系统 提醒您：很抱歉，由于您提交的内容中或访问的内容中含有系 统不允许的关键词或者您的 ip 受到了访问限制，本次操作无效， 系统已记录您的 ip 及您提交的所有数据。请注意，不要提交任 何违反国家规定的内容！本次拦截的相关信息为：六合 alert(“信息监控系统检测到不允许的词六合“); document.clear();clo

8、se(); document.clear();docume ent.writeln(“由于页面存在不良信息此页已被关闭“); location.href=about:blank;司亦可提前十五天通知被保险 人注销本保险单。对本保险单已生效期间的保险费，前者本公 司按短期费率计收，后者按日比例计收。 （五）权益丧失 如 果任何索赔含有虚假成分，或被保险人或其代表在索赔时采取 欺诈手段企图在本保险单项下获取利益，或任何损失是由被保 险人或其代表的故意行为或纵容所致，被保险人将丧失其在本 保险单项下的所有权益。对由此产生的包括本公司已支付的赔 偿在内的一切损失，应由被保险人负 责赔偿。 （六）合理查

9、 第 5 页 验 本公司的代表有权在任何适当的时候对保险财产的风险情况 进行现场查验。被保险人应提供一切便利及本公司要求的用以 评估有关风险的详情和资料。但上述查验并不构成本公司对被 保险人的任何承诺。 （七）重复保险 本保险单负责赔偿损失、 费用或责任时，若另有其他保障相同的保险存在，不论是否由 被保险人或他人以其名义投保，也不论该保险赔偿与否，本公 司仅负责按比例分摊赔偿的责任。 （八）权益转让 若本保险 单项下负责的损失涉及其他责任方时，不论本公司是否已赔偿 被保险人，被保险人应立即采取一切必要的措施行使 或保留向 该责任方索赔的权利。在本公司支付赔偿后，被保险人应将向 该责任方追偿的权

10、利转让给本公司，移交一切必要的单证，并 协助本公司向责任方追偿。 （九）争议处理 被保险人与本公 司之间的一切有关本保险的争议应通过友好协商解决。如果协 商不成，可申请仲裁或向法院提出诉讼。除事先另有协议外， 仲裁或诉讼应在被告方所在地进行。 七、特别条款 下列特别 条款适用于本保险单的各个部分，若其与本保险单的其他规定 相冲突，则以下列特别条款为准。 财产保险单 保险单号码： 鉴于本保险单明细表中列明的被保险人向保险公 司（以下简称“本公司” ）提交书面投保申请和有关资料（该投 保申请及资料被视作本保险单的有效组成部分） ，并向本公司缴 付了本保险单明细表中列明的保险费，本公司同意按本保险单

11、 的规定负责赔偿在本保险单明细表 中列明的保险期限内被保险 第 6 页 人的保险财产遭受的损坏或灭失，特立本保险单为凭。 保险公司 授权签字 签发日期： 年月日 签发地点： 明 细 表 保险单号码： 一、 被保险人名称和地址： 二、保险财产地址： 三、营业性质： 四、保险项目及保险金额 项 目 保险金额 （一）保险财产 建筑物（包括装修）： 机器设备： 装置、家俱 及办公设施或用品： 仓储物品： 其他： （二）附加 费用 清除残骸费用： 灭火费用： 专业费用： 其他费用： 总保险金额： 五、每次事故免赔额： 六、保 险期限：共个月。 自年月日零时起，至 年月日二十四时止。 七、保险费率： 总保

12、险 费： 八、付费日期： 九、司法管辖 本保险单受中华人民共和 国的司法管辖 十、特别条款 财产险保单明细表 保险公司 property insuranc e clauses whole doc. i. the property insured the property insured shall refer to all properties and expenses spe- cified in the schedule of this policy. unless specifically agreed upon in writing between the insured and th

13、e pany and appraised and value-established by professionals or assessors, the following articles and the expenses relevant thereto shall not be covered under this policy: 1. gold, silver, pearls, diamonds, precious stones and jades; 2. 第 7 页 antiques, articles of virtue, ancient coins, ancient books

14、 and ancient paintings; 3. works of art or pos tage stamps; 4. advertisements, aerials, neon, pieces of solar energy apparatus etc. on buildings; 5. puter system records or its making and copying costs. under no ci rcumstances shall the following articles relevant thereto be covered hereunder: 1. gu

15、ns, ammunition or explosives; 2. banknotes, securities, bills, documents, files, account books or drawings; 3. animals, plants and agricultural crops; 4. mobile phones, portable puters, removable photograph apparatus or other precious articles; 5. vehicles licensed for general transport use. ii. sco

16、pe of cover the pany shall#indemnify the insured in respect of the physical loss of or damage to the insured property stated in the schedule during the period of insurance directly arising from the following perils: 1. fire; 2. 第 8 页 explosion; but not including explosion of a boiler or other pressu

17、re relief devices; 3. lightning; 4. hurricane, typhoon and tornado; 5. storm, tempest and flood; but not including loss or damage caused by change in normal water level or inundation from sea water or water escape or leakage from the normal confines of any natural water course,#lake or reservoir, ca

18、nal or dam as well as loss of or damage to the insured property caused by storm, tempest or flood while being stored in the open or covered by or under a shed thatched with reeds, tarpaulins, straw, asphalt felt, plastic or nylon sheet; 6. hailstorm; 7. landslide, rockslide, avalanche; 8. volcanic e

19、xplosion; 9. subsidence of ground; but not including loss or damage resulting from pile driving, groundwork or excavation; 10. crashing aircraft and parts or articles falling from aircraft and other flying objects; 11. bursting of water tank or pipe; but not including bursting of water tank or pipe

20、due to rust. iii. exclusions this pany shall not be liable for: 1. loss of or damage to the insured property or expenses caused by intentional act or gross negligence of the insured 第 9 页 or his representative; 2. loss of or damage to the insured property caused and expenses incurred by earthquake o

21、r tsunami; 3. depreciation, loss of market, loss of use and other consequential losses of any description ; 4. loss of or damage to the insured property or expenses incu rred arising from war, warlike operation, hostilities, armed conflicts, terrorism, conspiracy insurrection, coup detat, strike, ri

22、ot, and civil motion; 5. confiscation, requisition, destruction or damage by any action or order of any government de jure or de facto or by any public authorities; 6. loss of or damage to insured property directly or indirectly caused or expenses incurred by nuclear fission, nuclear fusion, nuclear

23、 weapon, nuclear material, nuclear radiation and radioactive contamination; 7. loss or damage caused and expenses incurred by pollution of any kin d or description whatsoever such as atmosphere, 第 10 页 land and water pollutions but this does not include loss or damage caused by pollution arising fro

24、m perils specified in article ii the policy; 8. the deductibles stated in the schedule to be borne by the insured; 9. loss or damage arising from any other perils not listed in article ii of this policy. iv. treatment of claim 1. the pany shall at its option, indemnify the insured in respect of loss

25、 or damage falling within the scope of cover of the policy by either: 1.1 paying the amount of the actual value of the property lost or damaged or; 1.2 paying the necessary cost of repairing or restoring the damaged property to its nearest condition immediately preceding the damage or; 1.3 repairing

26、 or restoring the damaged property to a condition near to other property of like kind and quality. 2. indemnity under this policy shall be based upon the sound market value of the property prevailing at the time of loss. if the sound market value of the damaged property is lower than the sum insured

27、 of such property,#the claim shall be settled on its market value; if the sound market value of the property is in excess of the sum insured, the pany shall only be liable for such 第 11 页 proportion of the claim as the sum insured of the damaged property bears to its sound market value. if the insur

28、ed property enumerated in the schedule is more than one item, the provision of this clause shall apply to each thereof. 3. if a claim for loss of or damage to the insured item is settled on a total loss basis, the salvage value of such item shall be deducted from the indemnity payable by the pany. t

29、he pany may, at its option, decline the abandonment of any damaged property by the insured. 4. in the event of loss of or damage to any equipment item insured forming part of a pair or set, the pany shall not be liable in respect of each of such item lost or damaged for more than its proportionate p

30、art of the sum insured on the plete pair or set. 5. in the event of any loss occurrence, the pany shall also pay the insured for the#expenses reasonably incurred for taking necessary measures to 第 12 页 minimize loss or damage to the least extent, but in no case shall such expenses referred hereto ex

31、ceed the sum insured of the insured property. 6. upon settlement of a claim, an endorsement shall be issued by the pany to reduce the sum insured corresponding to the property lost or damaged by the amount so settled from the date of loss, and no premium shall be refunded for the amount so reduced.

32、if reinstatement of the sum insured is required by the insured upon settle ment of the claim, an additional premium for the reinstated amount shall be charged at an agreed rate, and be calculated on pro rata daily basis from the date of loss to the expiry of the insurance. 7. the time of validity of

33、 a claim under this insurance shall not exceed a period of two year counting from the date of loss. v. insureds obligations the following obligations shall be strictly fulfilled by the insured and his representative: 1. the insured and his representative, when applying for insurance shall make true

34、answers or#descriptions to the questions in the proposal and questionnaire or to any other questions raised by the pany. 2. the insured and his representative shall pay to the 第 13 页 pany in due course the agreed premium in the manner as provided in the schedule and endorsements. 3. during the perio

35、d of this insurance, the insured shall at his own expense take all reasonable precautions, including paying sufficient attention to and putting into practice the reasonable remendations of the pany, prudently selecting the workmen and employees and plying with all#statutory regulations and safety op

36、eration procedures. 4. in the event of any occurrence which gives or might give rise to a claim under this policy, the insured or his representative shall: 4.1 notify the pany immediately and within seven (7) days or any further period as may be agreed by the pany in writing, furnish a written repor

37、t to indicate the course, probable reason and extent of loss or damage; 4.2 take all necessary measures to avoid aggravation of the loss or damage and minimize it to the least extent; 4.3 preserve#the spot affected and defective parts 第 14 页 before an inspection is carried out by a representative or

38、 surveyor from the pany; 4.4 furnish all such information and documentary evidence as the pany may require for supporting the claim. vi. general conditions 1. policy effect the due observance and fulfilment of the terms and conditions of this policy in so far as they relate to anything to be done or

39、 plied with by the insured shall be a condition precedent to any liability of the pany under this policy. 2. policy voidance this polic y shall be voidable in the event of misrepresentation, misdescription or non-disclosure made by the insured or his representative in any material particular in resp

40、ect of this insurance. 3. policy termination unless its continuance be admitted by the pany in writing, this policy shall be automatically terminated if: 3.1 the insurable interest of the insured is lost; 3.2 the risk of loss or damage is increased. after termination of the policy, the premium shall

41、 be refunded to the insured calculated on pr 第 15 页 o rata daily basis for the period from the#date of termination to the date of expiry. 4. policy cancellation this policy may be canceled at any time at the request of the insured in writing or at the option of the pany by giving a fifteen (15) days

42、 prior notice to the insured. in the former case the pany shall retain a premium calculated on short term rate basis for the time the policy has been in force while in the latter case such premium shall be calculated on pro rata daily basis. 5. forfeit of benefit if the claim is in any respect fraud

43、ulent or if any fraudulent means or devices are used by the insured or his representative to obtain any benefit under this policy or if any loss or damage is occasioned by the intentional act or in the connivance of the insured or his representative, then in any of these cases, all the rights and be

44、nefits of the insured under this policy shall be forfeited, and all consequent losses arising therefrom including the amount of claim paid by the pany shall be indemnified by the insured. 6. reasonable inspection 第 16 页 the representative of the#pany shall at any suitable time be entitled to attend

45、the site and inspect or examine the risk explosure of the property insured. for this purpose, the insured shall provide full assistance and all details and information required by the pany as may be necessary for the assessment of the risk. the above mentioned inspection or examination shall in no c

46、ircumstances be held as any admission to the insured by the pany. 7. double insurance should any loss, damage, expenses or liability recoverable under the policy be also covered by any other insurance, the pany shall only be liable to pay or contribute his proportion of the claim irrespective as to

47、whether the other insurance is arranged by the insured or others on his behalf, or whether any indemnification is obtainable under such other insurance. 8. subrogation where a third party shall be held responsible for the los 第 17 页 s or damage covered under this policy, the insured shall, whether b

48、eing indemnified by the pany or not, take all necessary measures to enforce or reserve the right of recovery against such third party,#and upon being indemnified by the pany, subrogate to the pany all the right of recovery, transfer all necessary documents to and assist the pany in pursuing recovery

49、 from the responsible party. 9. dispute all disputes under this insurance arising between the insured and the pany shall be settled through friendly negotiations. where the two parties fail to reach an agreement after negotiations, such dispute shall be submitted to arbitration or to court for legal actions. unless otherwise agreed, such arbitration or legal action shall be carried out in the place where the defendant is domiciled. vii. special provisions the following provisions shall be applied to all parts of t