涉外财产保险合同 中英文.docx
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涉外财产保险合同中英文
涉外财产保险合同 (中英文)
CONTRACTFORPROPERTY INSURANCE
一、保险财产I. THE PROPERTY INSURED
保险财产指在本保险单明细表中列明的财产及费用。
The property insured shall refer to all properties&nbpd expenses specified in the Schedule of this Policy.
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:
Unless specifically agreed upon in writing between the Insured&nbpd the
Company&nbpd appraised&nbpd value-established by professionals or assessors,
the following articles&nbpd the expenses relevant thereto shall not be
covered under this Policy:
(一)金银、珠宝、钻石、玉器;1. gold, silver, pearls, diamonds, precious stones&nbpd jades;
(二)古玩、古币、古书、古画;2.Anbptiques, articles of virtue,&nbpcient coins,&nbpcient books&nbpd
ancient paintings;
(三)艺术作品、邮票;3. works of art or postage stamps;
(四)建筑物上的广告、天线、霓虹灯、太阳能装置等; 4. advertisements, aerials, neon, pieces of solar energy apparatus
etc. on buildings;
(五)计算机资料及其制作、复制费用。
5. computer system records or its making&nbpd copying costs.
下列物品一律不得作为保险财产:
Under no circumstances shall the following articles relevant theretobe covered hereunder:
(一)枪支弹药、爆炸物品;1. guns, ammunition or explosives;
(二)现钞、有价证券、票据、文件、档案、帐册、图纸;2. banknotes, securities, bills, documents, files, account books or
drawings;
(三)动物、植物、农作物;animals, plantsand agricultural crops;
(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;
4. mobile phones, portable computers, removable photograph apparatus
or other precious articles;
(五)用于公共交通的车辆。
5. vehicles licensed for general transport use.
二、责任范围II. SCOPE OF COVER
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。
The Company shall indemnify the Insured in respect of the physicalloss of or damage to the insured property stated in the Schedule during
the period of insurance directly arising from the following perils:
(一)火灾;1. fire;
(二)爆炸,但不包括锅炉爆炸;2. explosion;but not including explosion of a boiler or other pressure reliefdevices;
(三)雷电;3.lightning;
(四)飓风、台风、龙卷风;hurricane, typhoon&nbpd tornado;
(五)风暴、暴雨、洪水 storm, tempest&nbpd flood;
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、油毛毡、塑料膜或尼龙等作罩棚或覆盖的保险财产的损失;but not including loss or damage caused by change in normal waterlevel or inundation from sea water or water escape or leakage from the
normal confines of&nbpy natural water course, lake or reservoir, canal 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;
(六)冰雹; hailstorm;
(七)地崩、山崩、雪崩; landslide, rockslide, avalanche;
(八)火山爆发; volcanic explosion;
(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;9. subsidence of ground;but not including loss or damage resulting from pile driving,groundwork or excavation;
(十)飞机坠毁、飞机部件或飞行物体坠落;
10. crashing aircraft&nbpd parts or articles falling from aircraft&nbpd
other flying objects;
(十一)水箱、水管爆裂,但不包括由于锈蚀引起水箱、水管爆裂。
11. bursting of water tank or pipe;but not including bursting of water tank or pipe due to rust.
三、除外责任III. EXCLUSIONS
本公司对下列各项不负责赔偿:
This Company shall not be liable for:
(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;1. loss of or damage to the insured property or expenses caused byintentional act or gross negligence of the Insured or his representative;
(二)地震、海啸引起的损失和费用;2. loss of or damage to the insured property caused&nbpd expenses
incurred by earthquake or tsunami;
(三)贬值、丧失市场或使用价值等其他后果损失;3. depreciation, loss of market, loss of use&nbpd other consequential
losses of&nbpy description;
(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;4. loss of or damage to the insured property or expenses incurred
arising from war, warlike operation, hostilities, armed conflicts,
terrorism, conspiracy insurrection, coup d'etat, strike, riot,&nbpd civil
commotion;
(五)政府命令或任何公共当局的没收、征用、销毁或毁坏;5. confiscation, requisition, destruction or damage by&nbpy action or
order of&nbpy government de jure or de facto or by&nbpy public authorities
(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;6. loss of or damage to insured property directly or indirectly caused
or expenses incurred by nuclear fission, nuclear fusion, nuclear weapon,
nuclear material, nuclear radiation&nbpd radioactive contamination;
(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;7. loss or damage caused&nbpd expenses incurred by pollution of&nbpy
kind or description whatsoever such as atmosphere, land&nbpd water
pollutions but this does not include loss or damage caused by pollution
arising from PERILS specified in Article II the Policy;
(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;8. the deductibles stated in the Schedule to be borne by the Insured;
(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。
9. loss or damage arising from&nbpy other perils not listed in Article
II of this Policy.
四、赔偿处理IV. TREATMENT OF CLAIM
(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:
1. The Company shall at its option, indemnify the Insured in respect
of loss or damage falling within the Scope of Cover of the Policy by
either:
1.按受损财产的价值赔偿;1.1 paying the amount of the actual value of the property lost or
damaged or;
2.赔付受损财产基本恢复原状的修理、修复费用;1.2 paying the necessary cost of repairing or restoring the damaged
property to its nearest condition immediately preceding the damage or;
3.修理、恢复受损财产,使之达到与同类财产基本一致的状况。
1.3 repairing or restoring the damaged property to a condition near to
other property of like kind&nbpd quality.
(二)受损财产的赔偿按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。
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 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 Company
shall only be liable for such proportion of the claim as the sum insured
of the damaged property bears to its sound market value. If the insured
property enumerated in the Schedule is more than one item, the provision
of this clause shall apply to each thereof.
(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。
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 Company. The Company may, at its option,
decline the abandonment of&nbpy damaged property by the Insured.
(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。
4. In the event of loss of or damage to&nbpy equipment item insured
forming part of a pair or set, the Company shall not be liable in respect
of each of such item lost or damaged for more than its proportionate part
of the sum insured on the complete pair or set.
(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。
5. In the event of&nbpy loss occurrence, the Company shall also pay the
Insured for the expenses reasonably incurred for taking necessary measures
to minimize loss or damage to the least extent, but in no case shall such
expenses referred hereto exceed the sum insured of the insured property.
(六)本公司赔偿损失后,由本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。
6. Upon settlement of a claim,&nbp endorsement shall be issued by the
Company to reduce the sum insured corresponding to the property lost or
damaged by the amount so settled from the date of loss,&nbpd no premium
shall be refunded for the amount so reduced. If reinstatement of the sum
insured is required by the Insured upon settlement of the claim,&nbp
additional premium for the reinstated amount shall be charged at&nbp agreed
rate,&nbpd be calculated on pro rata daily basis from the date of loss to
the expiry of the insurance.
(七)被保险人的索赔期限,从损失发生之日起,不得超过两年。
7. The time of validity of a claim under this insurance shall not
exceed a period of two year counting from the date of loss.
五、被保险人的义务V. INSURED'S OBLIGATIONS
被保险人及其代表应严格履行下列义务:
The following Obligations shall be strictly fulfilled by the Insured
and his representative:
(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;1. The Insured&nbpd his representative, when applying for insurance
shall make true&nbpswers or descriptions to the questions in the Proposal
and Questionnaire or to&nbpy other questions raised by the Company.
(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;2. The Insured&nbpd his representative shall pay to the Company in due
course the agreed premium in the manner as provided in the Schedule&nbpd
Endorsements.
(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;3. During the period of this insurance, the Insured shall at his own
expense take all reasonable precautions, including paying sufficient
attention to&nbpd putting into practice the reasonable recommendations of
the Company, prudently selecting the workmen&nbpd employees&nbpd complying
with all statutory regulations&nbpd safety operation procedures.
(四)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:
4. In the event of&nbpy occurrence which gives or might give rise to a
claim under this Policy, the Insured or his representative shall:
1.立即通知本公司,并在七天或经本公司书面同意延长的期限内以书面提供事故发生的经过,原因和损失程度;4.1 notify the Company immediately&nbpd within seven (7) days or&nbpy
further period as may be agreed by the Company in writing, furnish a
written report to indicate the course, probable reason&nbpd extent of loss
or damage;
2.采取一切必要措施防止损失的进一步扩大并将损失减少到最低程度;4.2 take all necessary measures to avoid aggravation of the loss or
damage&nbpd minimize it to the least extent;
3.在本公司的代表或检验师进行勘查之前,保留事故现场及有关实物证据;4.3 preserve the spot affected&nbpd defective parts before&nbp
inspection is carried out by a representative or surveyor from the
Company;
4.根据本公司的要求提供作为索赔依据的所有证明文件、资料和单据。
4.4 furnish all such information&nbpd documentary evidence as the
Company may require for supporting the claim.
六、总则VI. GENERAL CONDITIONS
(一)保单效力1. Policy Effect
被保险人严格地遵