财产险常用附加条款中英对比文档格式.docx

财产险常用附加条款中英对比文档格式.docx

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被保险人可随时书面通知保险人注销本保险单，保险人将依照短期费率计收保险生效期间的保费。

保险人亦可提前三十天书面通知被保险人注销本保险单，保险人将退还被保险人从保险单取消之日起未满期限的按日比例计算的保险费。

30DaysNoticeofCancellationClause

Theinsurancemayatanytimebeterminatedattheoptionoftheinsurer,giving30days’noticetothateffectbeinggivingtotheinsured,inwhichcasetheCompanyshallbeliabletorepayondemandaratableproportionofthepremiumfortheunexpiredtermsfromthedateofthecancellation.

Theinsurancemayalsoatanytimebeterminatedattheoptionoftheinsured,givingimmediatenoticetothateffectbeinggivingtotheInsurer,inwhichcasetheinsuredshallbechargedonashortperiodpremiumfortheexpiredtermsfromthedateofinception.

备注：

天数可变动30/60/90

60天不续保通知条款/60DaysNon-RenewalNoticeClause

60天不续保通知条款

保险期限终止之前，本公司可提前60天书面通知被保险人本公司不虚报本保险单。

通知必须按照本公司得知的被保险人的最新地址，派专人或由合格的邮递部门送至被保险人。

60DaysNon-RenewalNoticeClause

TheCompanymaynotrenewthepolicybysendingtheInsured60days’noticeinwritingpriortothePolicyexpirationdate.NotificationistobedeliveredpersonallyorpostedbycertifiedmailtotheInsuredathislatestknownaddressnotifiedtotheCompany.

天数可变动30/60

理赔控制条款/ClaimsControlClause

ClaimsControlClause

TheReinsuredtherebyundertakestoadviseReinsurersoftheoccurrenceofanyaccidentwhichmaygiverisetoaclaimhereafterassoonastheythemselvesaremadeawareofit,andinsucheventwillcooperatewithReinsurersinthedefenceorsettlementofsuchclaimandinnocaseshalltheReinsuredmakeanyadmissionofliabilityundertheoriginalpolicywithouttheconsentinwritingoftheReinsurershavingthefirstbeenobtained.

共同被保险人条款/Joint-InsuredClause

共同被保险人条款

鉴于组成被保险人之各方当事人为独立的、不同的实体（不管本保单条文中是否有任何相关约定），各方当事人的一切权利也应被视为独立的，如同他们各自持有保障其各自权益的独立保单一样。

任何一方未能遵从、履行或遵守本保单的条款或条件，不会导致本保险单其它各方的权利受损。

对本保险单项下的任何索赔或保单明细表列明的自负责任之外的索赔，本公司将放弃向被保险人任何一方或其董事、代理、雇员或其他保单追偿的权利。

Joint-InsuredClause

AsallthepartiescomprisingtheInsuredoperateasseparateanddistinctentitiestherightsofeachofthepartiesinallrespectsshall（notwithstandinganythingcontainedorimpliedhereintothecontrary）betreatedasthougheachofthepartieshadseparatepoliciesfortheirrespectiverightsandinterests.

Notwithstandinganythinginthepolicytothecontrary,itisexpresslyunderstoodandagreedthatthefailureofanyInsuredpartytocomplywith,fulfillorobservethetermsandconditionsofthepolicyshallnotprejudicetherightsofanyotherInsuredpartyorpartiesunderthepolicy.

TheCompanyherebyagreetowaiveallrightsofsubrogationoractionwhichtheymayhaveoracquireagainstanyofthepartiescomprisingtheInsuredortheirdirectorsagentsoremployeesortheirinsurancearisingoutofanyoccurrenceinrespectofwhichanyclaimisadmittedhereunderorwhichbutfortheapplicationofanyRetainedLiabilitymentionedintheScheduleofthispolicywouldbemadehereunder.

司法管辖权条款/JurisdictionClause

JurisdictionClause

TheCompanyshallnotbeliableinrespectofanyjudgmentthataredeliveredbyorobtainedfromacourtoutsidethePeople'

sRepublicofChina.

ItisfurtherprovidedthattheIndemnityshallnotapplytoajudgmentororderobtainedinthePeople'

sRepublicofChinafortheenforcementofajudgmentobtainedelsewhere.

指定公估人条款/LossAdjustersClause

指定公估人条款

经双方同意，当发生保险责任范围内的损失，估损金额超过本保险合同中载明的相应金额时，可以指定双方认可的有合法执业资格的机构作为公估人，公估费用由保险人承担。

本附加条款与主条款内容相悖之处，以本附加条款为准；

未尽之处，以主条款为准。

LossAdjustersClause

ItisherebydeclaredandagreedthattheCompany’sClaimsHandlingRepresentativewouldappointqualifiedinternationallossadjustersinHongKong/PRCtoinvestigateandadjusttheloss.

损失通知条款/LossNotificationClause

LossNotificationClause

Notwithstandinganythingcontainedhereintothecontrary,itisherebydeclaredandagreedthatthisinsurancewillnotbeprejudicedbyanyinadvertentdelays,errors,oromissioninnotifyingtheinsurersofanycircumstancesoreventgivingriseorlikelytogiverisetoaclaiminsidethisPolicy.

SubjectotherwisetotheTerms,ExceptionsandConditionsofthisPolicy.

不受控制条款/NoControlClause

不受控制条款

经双方同意，被保险人在无法控制或不存在过错的情况下违反本保险合同的条件和保证，本保险合同的保障不受影响。

NoControlClause

AnybreachofthewrittenwarrantiesinthisPolicywithouttheknowledgeandconsentoftheInsuredshallnotprejudicethisinsurance,providedduediligencebeexercisedbytheInsuredtoensurethatsamearecompliedwith.

不可注销保单条款/Non-CancellationClause

不可注销保单条款

未经双方同意，保险公司和被保险人均不得注销本保险单。

但本条款不适用于被保险人未能按照约定支付保险费的情况下。

Non-CancellationClause

不使失效条款/Non-invalidationClause

不使失效条款

经双方同意，在投保人、被保险人完全不知情的情况下，本保险合同不因保险标的所占用场地或价值的变更、保险标的危险程度的增加或其它重要事项的变化而失效。

但投保人、被保险人一旦知道该情况，应立即通知保险人，并支付从风险增加之日起至保险期间届满之日止期间可能的额外保险费，否则保险人不承担保险责任。