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1、 财产保险合同(英文)propertyinsuranceclauseswholedoc.i.thepropertyinsuredthepropertyinsuredshallrefertoallpropertiesandexpensesspe-cifiedinthescheduleofthispolicy.unlessspecificallyagreeduponinwritingbetweentheinsuredandthecompanyandappraisedandvalue-establishedbyprofessionalsorassessors,thefollowingarticles
2、andtheexpensesrelevanttheretoshallnotbecoveredunderthispolicy:1.gold,silver,pearls,diamonds,preciousstonesandjades;2.antiques,articlesofvirtue,ancientcoins,ancientbooksandancientpaintings;3.worksofartorpostagestamps;4.advertisements,aerials,neon,piecesofsolarenergyapparatusetc.onbuildings;putersyste
3、mrecordsoritsmakingandcopyingcosts.undernocircumstancesshallthefollowingarticlesrelevanttheretobecoveredhereunder:1.guns,ammunitionorexplosives;2.banknotes,securities,bills,documents,files,accountbooksordrawings;3.animals,plantsandagriculturalcrops;4.mobilephones,portablecomputers,removablephotograp
4、happaratusorotherpreciousarticles;5.vehicleslicensedforgeneraltransportuse.ii.scopeofcoverthecompanyshallindemnifytheinsuredinrespectofthephysicallossofordamagetotheinsuredpropertystatedinthescheduleduringtheperiodofinsurancedirectlyarisingfromthefollowingperils:1.fire;2.explosion;butnotincludingexp
5、losionofaboilerorotherpressurereliefdevices;3.lightning;4.hurricane,typhoonandtornado;5.storm,tempestandflood;butnotincludinglossordamagecausedbychangeinnormalwaterlevelorinundationfromseawaterorwaterescapeorleakagefromthenormalconfinesofanynaturalwatercourse,lakeorreservoir,canalordamaswellaslossof
6、ordamagetotheinsuredpropertycausedbystorm,tempestorfloodwhilebeingstoredintheopenorcoveredbyorunderashedthatchedwithreeds,tarpaulins,straw,asphaltfelt,plasticornylonsheet;6.hailstorm;7.landslide,rockslide,avalanche;8.volcanicexplosion;9.subsidenceofground;butnotincludinglossordamageresultingfrompile
7、driving,groundworkorexcavation;10.crashingaircraftandpartsorarticlesfallingfromaircraftandotherflyingobjects;11.burstingofwatertankorpipe;butnotincludingburstingofwatertankorpipeduetorust.iii.exclusionsthiscompanyshallnotbeliablefor:1.lossofordamagetotheinsuredpropertyorexpensescausedbyintentionalac
8、torgrossnegligenceoftheinsuredorhisrepresentative;2.lossofordamagetotheinsuredpropertycausedandexpensesincurredbyearthquakeortsunami;3.depreciation,lossofmarket,lossofuseandotherconsequentiallossesofanydescription;4.lossofordamagetotheinsuredpropertyorexpensesincurredarisingfromwar,warlikeoperation,
9、hostilities,armedconflicts,terrorism,conspiracyinsurrection,coupdetat,strike,riot,andcivilcommotion;5.confiscation,requisition,destructionordamagebyanyactionororderofanygovernmentdejureordefactoorbyanypublicauthorities;6.lossofordamagetoinsuredpropertydirectlyorindirectlycausedorexpensesincurredbynu
10、clearfission,nuclearfusion,nuclearweapon,nuclearmaterial,nuclearradiationandradioactivecontamination;7.lossordamagecausedandexpensesincurredbypollutionofanykindordescriptionwhatsoeversuchasatmosphere,landandwaterpollutionsbutthisdoesnotincludelossordamagecausedbypollutionarisingfromperilsspecifiedin
11、articleiithepolicy;8.thedeductiblesstatedinthescheduletobebornebytheinsured;9.lossordamagearisingfromanyotherperilsnotlistedinarticleiiofthispolicy.iv.treatmentofclaim1.thecompanyshallatitsoption,indemnifytheinsuredinrespectoflossordamagefallingwithinthescopeofcoverofthepolicybyeither:1.1payingtheam
12、ountoftheactualvalueofthepropertylostordamagedor;1.2payingthenecessarycostofrepairingorrestoringthedamagedpropertytoitsnearestconditionimmediatelyprecedingthedamageor;1.3repairingorrestoringthedamagedpropertytoaconditionneartootherpropertyoflikekindandquality.2.indemnityunderthispolicyshallbebasedup
13、onthesoundmarketvalueofthepropertyprevailingatthetimeofloss.ifthesoundmarketvalueofthedamagedpropertyislowerthanthesuminsuredofsuchproperty,theclaimshallbesettledonitsmarketvalue;ifthesoundmarketvalueofthepropertyisinexcessofthesuminsured,thecompanyshallonlybeliableforsuchproportionoftheclaimasthesu
14、minsuredofthedamagedpropertybearstoitssoundmarketvalue.iftheinsuredpropertyenumeratedinthescheduleismorethanoneitem,theprovisionofthisclauseshallapplytoeachthereof.3.ifaclaimforlossofordamagetotheinsureditemissettledonatotallossbasis,thesalvagevalueofsuchitemshallbedeductedfromtheindemnitypayablebyt
15、hecompany.thecompanymay,atitsoption,declinetheabandonmentofanydamagedpropertybytheinsured.4.intheeventoflossofordamagetoanyequipmentiteminsuredformingpartofapairorset,thecompanyshallnotbeliableinrespectofeachofsuchitemlostordamagedformorethanitsproportionatepartofthesuminsuredonthecompletepairorset.
16、5.intheeventofanylossoccurrence,thecompanyshallalsopaytheinsuredfortheexpensesreasonablyincurredfortakingnecessarymeasurestominimizelossordamagetotheleastextent,butinnocaseshallsuchexpensesreferredheretoexceedthesuminsuredoftheinsuredproperty.6.uponsettlementofaclaim,anendorsementshallbeissuedbythec
17、ompanytoreducethesuminsuredcorrespondingtothepropertylostordamagedbytheamountsosettledfromthedateofloss,andnopremiumshallberefundedfortheamountsoreduced.ifreinstatementofthesuminsuredisrequiredbytheinsureduponsettlementoftheclaim,anadditionalpremiumforthereinstatedamountshallbechargedatanagreedrate,
18、andbecalculatedonproratadailybasisfromthedateoflosstotheexpiryoftheinsurance.7.thetimeofvalidityofaclaimunderthisinsuranceshallnotexceedaperiodoftwoyearcountingfromthedateofloss.v.insuredsobligationsthefollowingobligationsshallbestrictlyfulfilledbytheinsuredandhisrepresentative:1.theinsuredandhisrep
19、resentative,whenapplyingforinsuranceshallmaketrueanswersordescriptionstothequestionsintheproposalandquestionnaireortoanyotherquestionsraisedbythecompany.2.theinsuredandhisrepresentativeshallpaytothecompanyinduecoursetheagreedpremiuminthemannerasprovidedinthescheduleandendorsements.3.duringtheperiodo
20、fthisinsurance,theinsuredshallathisownexpensetakeallreasonableprecautions,includingpayingsufficientattentiontoandputtingintopracticethereasonablerecommendationsofthecompany,prudentlyselectingtheworkmenandemployeesandcomplyingwithallstatutoryregulationsandsafetyoperationprocedures.4.intheeventofanyoc
21、currencewhichgivesormightgiverisetoaclaimunderthispolicy,theinsuredorhisrepresentativeshall:4.1notifythecompanyimmediatelyandwithinseven(7)daysoranyfurtherperiodasmaybeagreedbythecompanyinwriting,furnishawrittenreporttoindicatethecourse,probablereasonandextentoflossordamage;4.2takeallnecessarymeasur
22、estoavoidaggravationofthelossordamageandminimizeittotheleastextent;4.3preservethespotaffectedanddefectivepartsbeforeaninspectioniscarriedoutbyarepresentativeorsurveyorfromthecompany;4.4furnishallsuchinformationanddocumentaryevidenceasthecompanymayrequireforsupportingtheclaim.vi.generalconditions1.po
23、licyeffectthedueobservanceandfulfilmentofthetermsandconditionsofthispolicyinsofarastheyrelatetoanythingtobedoneorcompliedwithbytheinsuredshallbeaconditionprecedenttoanyliabilityofthecompanyunderthispolicy.2.policyvoidancethispolicyshallbevoidableintheeventofmisrepresentation,misdescriptionornon-disc
24、losuremadebytheinsuredorhisrepresentativeinanymaterialparticularinrespectofthisinsurance.3.policyterminationunlessitscontinuancebeadmittedbythecompanyinwriting,thispolicyshallbeautomaticallyterminatedif:3.1theinsurableinterestoftheinsuredislost;3.2theriskoflossordamageisincreased.afterterminationoft
25、hepolicy,thepremiumshallberefundedtotheinsuredcalculatedonproratadailybasisfortheperiodfromthedateofterminationtothedateofexpiry.4.policycancellationthispolicymaybecanceledatanytimeattherequestoftheinsuredinwritingorattheoptionofthecompanybygivingafifteen(15)dayspriornoticetotheinsured.intheformerca
26、sethecompanyshallretainapremiumcalculatedonshorttermratebasisforthetimethepolicyhasbeeninforcewhileinthelattercasesuchpremiumshallbecalculatedonproratadailybasis.5.forfeitofbenefitiftheclaimisinanyrespectfraudulent,orifanyfraudulentmeansordevicesareusedbytheinsuredorhisrepresentativetoobtainanybenef
27、itunderthispolicyorifanylossordamageisoccasionedbytheintentionalactorintheconnivanceoftheinsuredorhisrepresentative,theninanyofthesecases,alltherightsandbenefitsoftheinsuredunderthispolicyshallbeforfeited,andallconsequentlossesarisingtherefromincludingtheamountofclaimpaidbythecompanyshallbeindemnifi
28、edbytheinsured.6.reasonableinspectiontherepresentativeofthecompanyshallatanysuitabletimebeentitledtoattendthesiteandinspectorexaminetheriskexplosureofthepropertyinsured.forthispurpose,theinsuredshallprovidefullassistanceandalldetailsandinformationrequiredbythecompanyasmaybenecessaryfortheassessmento
29、ftherisk.theabovementionedinspectionorexaminationshallinnocircumstancesbeheldasanyadmissiontotheinsuredbythecompany.7.doubleinsuranceshouldanyloss,damage,expensesorliabilityrecoverableunderthepolicybealsocoveredbyanyotherinsurance,thecompanyshallonlybeliabletopayorcontributehisproportionoftheclaimir
30、respectiveastowhethertheotherinsuranceisarrangedbytheinsuredorothersonhisbehalf,orwhetheranyindemnificationisobtainableundersuchotherinsurance.8.subrogationwhereathirdpartyshallbeheldresponsibleforthelossordamagecoveredunderthispolicy,theinsuredshall,whetherbeingindemnifiedbythecompanyornot,takealln
31、ecessarymeasurestoenforceorreservetherightofrecoveryagainstsuchthirdparty,anduponbeingindemnifiedbythecompany,subrogatetothecompanyalltherightofrecovery,transferallnecessarydocumentstoandassistthecompanyinpursuingrecoveryfromtheresponsibleparty.9.disputealldisputesunderthisinsurancearisingbetweenthe
32、insuredandthecompanyshallbesettledthroughfriendlynegotiations.wherethetwopartiesfailtoreachanagreementafternegotiations,suchdisputeshallbesubmittedtoarbitrationortocourtforlegalactions.unlessotherwiseagreed,sucharbitrationorlegalactionshallbecarriedoutintheplacewherethedefendantisdomiciled.vii.speci
33、alprovisionsthefollowingprovisionsshallbeappliedtoallpartsofthispolicyandshalloverridetheothertermsandconditionsofthispolicyifanyconflictarises.propertyinsurancepolicypolicyno.:whereastheinsurednamedinthescheduleheretohasmadetothe_insurancecompany(hereinaftercalledthecompany)awrittenproposalwhichtog
34、etherwithanyotherstatementsmadebytheinsuredforthepurposeofthispolicyisdeemedtobeincorporatedhereinandhaspaidtothecompanythepremiumstatedintheschedule.nowthispolicyofinsurancewitnessesthatsubjecttothetermsandconditionscontainedhereinorendorsedhereonthecompanyshallindemnifytheinsuredforthelossordamage
35、sustainedduringtheperiodofinsurancestatedinthescheduleinthemannerandtotheextenthereinafterprovided.bythe_insurancecompany_authorisedsignaturedateofissue:placeofissue:schedulepolicyno.:1.nameandaddressoftheinsured1.1theinsured:1.2address:2.locationofthepropertyinsured:3.natureoftrade:4.insureditemsan
36、dsumsinsured: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:4.2.3professionalfees:4.2.4otherexpenses:totalsuminsured:5.deductible(anyoneaccident):6.periodofinsurance:_months.from00:00of_to24:00hoursof_7.premiumrat
