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1、propertyinsuranceclauseswholedoc.i.thepropertyinsuredthepropertyinsuredshallrefertoallpropertiesandexpensesspe-cifiedinthescheduleofthispolicy.unlessspecificallyagreeduponinwritingbetweentheinsuredandthecompanyandappraisedandvalue-establishedbyprofessionalsorassessors,thefollowingarticlesandtheexpen
2、sesrelevanttheretoshallnotbecoveredunderthispolicy:1.gold,silver,pearls,diamonds,preciousstonesandjades;2.antiques,articlesofvirtue,ancientcoins,ancientbooksandancientpaintings;3.worksofartorpostagestamps;4.advertisements,aerials,neon,piecesofsolarenergyapparatusetc.onbuildings;putersystemrecordsori
3、tsmakingandcopyingcosts.undernocirc umstancesshallthefollowingarticlesrelevanttheretobecoveredhereunder:1.guns,ammunitionorexplosives;2.banknotes,securities,bills,documents,files,accountbooksordrawings;3.animals,plantsandagriculturalcrops;4.mobilephones,portablecomputers,removablephotographapparatus
4、orotherpreciousarticles;5.vehicleslicensedforgeneraltransportuse.ii.scopeofcoverthecompanyshallindemnifytheinsuredinrespectofthephysicallossofordamagetotheinsuredpropertystatedinthescheduleduringtheperiodofinsurancedirectlyarisingfromthefollowingperils:1.fire;2.explosion;butnotincludingexplosionofab
5、oilerorotherpressurereliefdevices;3.lightning;4.hurr icane,typhoonandtornado;5.storm,tempestandflood;butnotincludinglossordamagecausedbychangeinnormalwaterlevelorinundationfromseawaterorwaterescapeorleakagefromthenormalconfinesofanynaturalwatercourse,lakeorreservoir,canalordamaswellaslossofordamaget
6、otheinsuredpropertycausedbystorm,tempestorfloodwhilebeingstoredintheopenorcoveredbyorunderashedthatchedwithreeds,tarpaulins,straw,asphaltfelt,plasticornylonsheet;6.hailstorm;7.landslide,rockslide,avalanche;8.volcanicexplosion;9.subsidenceofground;butnotincludinglossordamageresultingfrompiledriving,g
7、roundworkorexcavation;10.crashingaircraftandpartsorarticlesfallingfromaircraftandotherflyingobjects;11.burstingofwate rtankorpipe;butnotincludingburstingofwatertankorpipeduetorust.iii.exclusionsthiscompanyshallnotbeliablefor:1.lossofordamagetotheinsuredpropertyorexpensescausedbyintentionalactorgross
8、negligenceoftheinsuredorhisrepresentative;2.lossofordamagetotheinsuredpropertycausedandexpensesincurredbyearthquakeortsunami;3.depreciation,lossofmarket,lossofuseandotherconsequentiallossesofanydescription;4.lossofordamagetotheinsuredpropertyorexpensesincurredarisingfromwar,warlikeoperation,hostilit
9、ies,armedconflicts,terrorism,conspiracyinsurrection,coupdetat,strike,riot,andcivilcommotion;5.confiscation,requisition,destructionordamagebyanyactionor orderofanygovernmentdejureordefactoorbyanypublicauthorities;6.lossofordamagetoinsuredpropertydirectlyorindirectlycausedorexpensesincurredbynuclearfi
10、ssion,nuclearfusion,nuclearweapon,nuclearmaterial,nuclearradiationandradioactivecontamination;7.lossordamagecausedandexpensesincurredbypollutionofanykindordescriptionwhatsoeversuchasatmosphere,landandwaterpollutionsbutthisdoesnotincludelossordamagecausedbypollutionarisingfromperilsspecifiedinarticle
11、iithepolicy;8.thedeductiblesstatedinthescheduletobebornebytheinsured;9.lossordamagearisingfromanyotherperilsnotlistedinarticleiiofthispolicy.iv.treatmentofclaim1.thecompanyshallatitsoption,indemnifytheinsuredinrespectoflossordamagefallingwithinthescopeofcove rofthepolicybyeither:1.1payingtheamountof
12、theactualvalueofthepropertylostordamagedor;1.2payingthenecessarycostofrepairingorrestoringthedamagedpropertytoitsnearestconditionimmediatelyprecedingthedamageor;1.3repairingorrestoringthedamagedpropertytoaconditionneartootherpropertyoflikekindandquality.2.indemnityunderthispolicyshallbebaseduponthes
13、oundmarketvalueofthepropertyprevailingatthetimeofloss.ifthesoundmarketvalueofthedamagedpropertyislowerthanthesuminsuredofsuchproperty,theclaimshallbesettledonitsmarketvalue;ifthesoundmarketvalueofthepropertyisinexcessofthesuminsured,thecompanyshallonlybeliableforsuchproportionoftheclaimasthesuminsur
14、edofthedamagedpropertybearstoitssoundmarketvalue.iftheinsuredpropertyenumeratedinthesched uleismorethanoneitem,theprovisionofthisclauseshallapplytoeachthereof.3.ifaclaimforlossofordamagetotheinsureditemissettledonatotallossbasis,thesalvagevalueofsuchitemshallbedeductedfromtheindemnitypayablebythecom
15、pany.thecompanymay,atitsoption,declinetheabandonmentofanydamagedpropertybytheinsured.4.intheeventoflossofordamagetoanyequipmentiteminsuredformingpartofapairorset,thecompanyshallnotbeliableinrespectofeachofsuchitemlostordamagedformorethanitsproportionatepartofthesuminsuredonthecompletepairorset.5.int
16、heeventofanylossoccurrence,thecompanyshallalsopaytheinsuredfortheexpensesreasonablyincurredfortakingnecessarymeasurestominimizelossordamagetotheleastextent,butinnocaseshallsuchexpensesreferredheretoexceedthesuminsuredoftheinsuredproperty.6.uponsettlementofaclaim,anendorsementshallbeissuedbythecompan
17、ytoreducet hesuminsuredcorrespondingtothepropertylostordamagedbytheamountsosettledfromthedateofloss,andnopremiumshallberefundedfortheamountsoreduced.ifreinstatementofthesuminsuredisrequiredbytheinsureduponsettlementoftheclaim,anadditionalpremiumforthereinstatedamountshallbechargedatanagreedrate,andb
18、ecalculatedonproratadailybasisfromthedateoflosstotheexpiryoftheinsurance.7.thetimeofvalidityofaclaimunderthisinsuranceshallnotexceedaperiodoftwoyearcountingfromthedateofloss.v.insuredsobligationsthefollowingobligationsshallbestrictlyfulfilledbytheinsuredandhisrepresentative:1.theinsuredandhisreprese
19、ntative,whenapplyingforinsuranceshallmaketrueanswersordescriptionstothequestionsintheproposalandquestion naireortoanyotherquestionsraisedbythecompany.2.theinsuredandhisrepresentativeshallpaytothecompanyinduecoursetheagreedpremiuminthemannerasprovidedinthescheduleandendorsements.3.duringtheperiodofth
20、isinsurance,theinsuredshallathisownexpensetakeallreasonableprecautions,includingpayingsufficientattentiontoandputtingintopracticethereasonablerecommendationsofthecompany,prudentlyselectingtheworkmenandemployeesandcomplyingwithallstatutoryregulationsandsafetyoperationprocedures.4.intheeventofanyoccur
21、rencewhichgivesormightgiverisetoaclaimunderthispolicy,theinsuredorhisrepresentativeshall:4.1notifythecompanyimmediatelyandwithinseven(7)daysoranyfurtherperiodasmaybeagreedbythecompanyinwriting,furnishawrittenreporttoindicatethecourse,probablereasonandextentoflossordamage 4.2takeallnecessarymeasurest
22、oavoidaggravationofthelossordamageandminimizeittotheleastextent;4.3preservethespotaffectedanddefectivepartsbeforeaninspectioniscarriedoutbyarepresentativeorsurveyorfromthecompany;4.4furnishallsuchinformationanddocumentaryevidenceasthecompanymayrequireforsupportingtheclaim.vi.generalconditions1.polic
23、yeffectthedueobservanceandfulfilmentofthetermsandconditionsofthispolicyinsofarastheyrelatetoanythingtobedoneorcompliedwithbytheinsuredshallbeaconditionprecedenttoanyliabilityofthecompanyunderthispolicy.2.policyvoidancethispolicyshallbevoidableintheeventofmisrepresentation,m sdescriptionornon-disclos
24、uremadebytheinsuredorhisrepresentativeinanymaterialparticularinrespectofthisinsurance.3.policyterminationunlessitscontinuancebeadmittedbythecompanyinwriting,thispolicyshallbeautomaticallyterminatedif:3.1theinsurableinterestoftheinsuredislost;3.2theriskoflossordamageisincreased.afterterminationofthep
25、olicy,thepremiumshallberefundedtotheinsuredcalculatedonproratadailybasisfortheperiodfromthedateofterminationtothedateofexpiry.4.policycancellationthispolicymaybecanceledatanytimeattherequestoftheinsuredinwritingorattheoptionofthecompanybygivingafifteen(15)dayspriornoticetotheinsured.intheformercaset
26、hecompanyshallretainapremiumcalculatedonshorttermratebasisforthetimethepolicyhasbeeninforcewhileinthelattercasesuchpremiumshallbecalculatedonproratadailybasis.5.forf eitofbenefitiftheclaimisinanyrespectfraudulent,orifanyfraudulentmeansordevicesareusedbytheinsuredorhisrepresentativetoobtainanybenefit
27、underthispolicyorifanylossordamageisoccasionedbytheintentionalactorintheconnivanceoftheinsuredorhisrepresentative,theninanyofthesecases,alltherightsandbenefitsoftheinsuredunderthispolicyshallbeforfeited,andallconsequentlossesarisingtherefromincludingtheamountofclaimpaidbythecompanyshallbeindemnified
28、bytheinsured.6.reasonableinspectiontherepresentativeofthecompanyshallatanysuitabletimebeentitledtoattendthesiteandinspectorexaminetheriskexplosureofthepropertyinsured.forthispurpose,theinsuredshallprovidefullassistanceandalldetailsandinformationrequiredbythecompanyasmaybenecessaryfor theassessmentof
29、therisk.theabovementionedinspectionorexaminationshallinnocircumstancesbeheldasanyadmissiontotheinsuredbythecompany.7.doubleinsuranceshouldanyloss,damage,expensesorliabilityrecoverableunderthepolicybealsocoveredbyanyotherinsurance,thecompanyshallonlybeliabletopayorcontributehisproportionoftheclaimirr
30、espectiveastowhethertheotherinsuranceisarrangedbytheinsuredorothersonhisbehalf,orwhetheranyindemnificationisobtainableundersuchotherinsurance.8.subrogationwhereathirdpartyshallbeheldresponsibleforthelossordamagecoveredunderthispolicy,theinsuredshall,whetherbeingindemnifiedbythecompanyornot,takeallne
31、cessarymeasurestoenforceorreservetherightofrecoveryagainstsuchthirdparty,anduponbeingindemnifiedbythecompany,subrogatetot hecompanyalltherightofrecovery,transferallnecessarydocumentstoandassistthecompanyinpursuingrecoveryfromtheresponsibleparty.9.disputealldisputesunderthisinsurancearisingbetweenthe
32、insuredandthecompanyshallbesettledthroughfriendlynegotiations.wherethetwopartiesfailtoreachanagreementafternegotiations,suchdisputeshallbesubmittedtoarbitrationortocourtforlegalactions.unlessotherwiseagreed,sucharbitrationorlegalactionshallbecarriedoutintheplacewherethedefendantisdomiciled.vii.speci
33、alprovisionsthefollowingprovisionsshallbeappliedtoallpartsofthispolicyandshalloverridetheothertermsandconditionsofthispolicyifanyconflictarises.propertyinsurancepolicyp olicyno.:whereastheinsurednamedinthescheduleheretohasmadetothe_insurancecompany(hereinaftercalledthecompany)awrittenproposalwhichto
34、getherwithanyotherstatementsmadebytheinsuredforthepurposeofthispolicyisdeemedtobeincorporatedhereinandhaspaidtothecompanythepremiumstatedintheschedule.nowthispolicyofinsurancewitnessesthatsubjecttothetermsandconditionscontainedhereinorendorsedhereonthecompanyshallindemnifytheinsuredforthelossordamag
35、esustainedduringtheperiodofinsurancestatedinthescheduleinthemannerandtotheextenthereinafterprovided.bythe_&nb sp;insurancecompany_authorisedsignaturedateofissue:placeofissue:schedulepolicyno.:1.nameandaddressoftheinsured1.1theinsured:1.2address:2.locationofthepropertyinsured:3.natureoftrade:4.insure
36、ditemsandsumsinsured:insureditemssumsinsured4.1propertyinsured4.1.1building(s)(includingdecoration):4.1.2machineryandequipment:4.1.3furnitureandfixture:(includingofficeequipmentandsupplies)4.1.4stock:4.1.5others:4.2additionalexpenses:4.2.1removalofdebrisfees:4.2.2fireextinguishingexpenses:4.2.3profe
37、ssionalfees: 4.2.4otherexpenses:totalsuminsured:5.deductible(anyoneaccident):6.periodofinsurance:_months.from00:00of_to24:00hoursof_7.premiumrate:totalpremium:8.dateofpayment:9.jurisdiction:thispolicyisgovernedbylawofthepeoplesrepublicofchina.10.specialprovisions:propertyinsurancepolicysschedule_insurancecompany
