保险合同范本财产保险合同英文文档格式.docx

保险合同范本财产保险合同英文文档格式.docx

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2.antiques,articlesofvirtue,ancientcoins,ancientbooksandancientpaintings;

3.worksofartorpostagestamps;

4.advertisements,aerials,neon,piecesofsolarenergyapparatusetc.onbuildings;

putersystemrecordsoritsmakingandcopyingcosts.undernocircumstancesshallthefollowingarticlesrelevanttheretobecoveredhereunder:

1.guns,ammunitionorexplosives;

2.banknotes,securities,bills,documents,files,accountbooksordrawings;

3.animals,plantsandagriculturalcrops;

4.mobilephones,portablecomputers,removablephotographapparatusorotherpreciousarticles;

5.vehicleslicensedforgeneraltransportuse.ii.scopeofcoverthecompanyshallindemnifytheinsuredinrespectofthephysicallossofordamagetotheinsuredpropertystatedinthescheduleduringtheperiodofinsurancedirectlyarisingfromthefollowingperils:

1.fire;

2.explosion;

butnotincludingexplosionofaboilerorotherpressurereliefdevices;

3.lightning;

4.hurricane,typhoonandtornado;

5.storm,tempestandflood;

butnotincludinglossordamagecausedbychangeinnormalwaterlevelorinundationfromseawaterorwaterescapeorleakagefromthenormalconfinesofanynaturalwatercourse,lakeorreservoir,canalordamaswellaslossofordamagetotheinsuredpropertycausedbystorm,tempestorfloodwhilebeingstoredintheopenorcoveredbyorunderashedthatchedwithreeds,tarpaulins,straw,asphaltfelt,plasticornylonsheet;

6.hailstorm;

7.landslide,rockslide,avalanche;

8.volcanicexplosion;

9.subsidenceofground;

butnotincludinglossordamageresultingfrompiledriving,groundworkorexcavation;

10.crashingaircraftandpartsorarticlesfallingfromaircraftandotherflyingobjects;

11.burstingofwatertankorpipe;

butnotincludingburstingofwatertankorpipeduetorust.iii.exclusionsthiscompanyshallnotbeliablefor:

1.lossofordamagetotheinsuredpropertyorexpensescausedbyintentionalactorgrossnegligenceoftheinsuredorhisrepresentative;

2.lossofordamagetotheinsuredpropertycausedandexpensesincurredbyearthquakeortsunami;

3.depreciation,lossofmarket,lossofuseandotherconsequentiallossesofanydescription;

4.lossofordamagetotheinsuredpropertyorexpensesincurredarisingfromwar,warlikeoperation,hostilities,armedconflicts,terrorism,conspiracyinsurrection,coupdetat,strike,riot,andcivilcommotion;

5.confiscation,requisition,destructionordamagebyanyactionororderofanygovernmentdejureordefactoorbyanypublicauthorities;

6.lossofordamagetoinsuredpropertydirectlyorindirectlycausedorexpensesincurredbynuclearfission,nuclearfusion,nuclearweapon,nuclearmaterial,nuclearradiationandradioactivecontamination;

7.lossordamagecausedandexpensesincurredbypollutionofanykindordescriptionwhatsoeversuchasatmosphere,landandwaterpollutionsbutthisdoesnotincludelossordamagecausedbypollutionarisingfromperilsspecifiedinarticleiithepolicy;

8.thedeductiblesstatedinthescheduletobebornebytheinsured;

9.lossordamagearisingfromanyotherperilsnotlistedinarticleiiofthispolicy.iv.treatmentofclaim1.thecompanyshallatitsoption,indemnifytheinsuredinrespectoflossordamagefallingwithinthescopeofcoverofthepolicybyeither:

1.1payingtheamountoftheactualvalueofthepropertylostordamagedor;

1.2payingthenecessarycostofrepairingorrestoringthedamagedpropertytoitsnearestconditionimmediatelyprecedingthedamageor;

1.3repairingorrestoringthedamagedpropertytoaconditionneartootherpropertyoflikekindandquality.2.indemnityunderthispolicyshallbebaseduponthesoundmarketvalueofthepropertyprevailingatthetimeofloss.ifthesoundmarketvalueofthedamagedpropertyislowerthanthesuminsuredofsuchproperty,theclaimshallbesettledonitsmarketvalue;

ifthesoundmarketvalueofthepropertyisinexcessofthesuminsured,thecompanyshallonlybeliableforsuchproportionoftheclaimasthesuminsuredofthedamagedpropertybearstoitssoundmarketvalue.iftheinsuredpropertyenumeratedinthescheduleismorethanoneitem,theprovisionofthisclauseshallapplytoeachthereof.3.ifaclaimforlossofordamagetotheinsureditemissettledonatotallossbasis,thesalvagevalueofsuchitemshallbedeductedfromtheindemnitypayablebythecompany.thecompanymay,atitsoption,declinetheabandonmentofanydamagedpropertybytheinsured.4.intheeventoflossofordamagetoanyequipmentiteminsuredformingpartofapairorset,thecompanyshallnotbeliableinrespectofeachofsuchitemlostordamagedformorethanitsproportionatepartofthesuminsuredonthecompletepairorset.5.intheeventofanylossoccurrence,thecompanyshallalsopaytheinsuredfortheexpensesreasonablyincurredfortakingnecessarymeasurestominimizelossordamagetotheleastextent,butinnocaseshallsuchexpensesreferredheretoexceedthesuminsuredoftheinsuredproperty.6.uponsettlementofaclaim,anendorsementshallbeissuedbythecompanytoreducethesuminsuredcorrespondingtothepropertylostordamagedbytheamountsosettledfromthedateofloss,andnopremiumshallberefundedfortheamountsoreduced.ifreinstatementofthesuminsuredisrequiredbytheinsureduponsettlementoftheclaim,anadditionalpremiumforthereinstatedamountshallbechargedatanagreedrate,andbecalculatedonproratadailybasisfromthedateoflosstotheexpiryoftheinsurance.7.thetimeofvalidityofaclaimunderthisinsuranceshallnotexceedaperiodoftwoyearcountingfromthedateofloss.v.insuredsobligationsthefollowingobligationsshallbestrictlyfulfilledbytheinsuredandhisrepresentative:

1.theinsuredandhisrepresentative,whenapplyingforinsuranceshallmaketrueanswersordescriptionstothequestionsintheproposalandquestionnaireortoanyotherquestionsraisedbythecompany.2.theinsuredandhisrepresentativeshallpaytothecompanyinduecoursetheagreedpremiuminthemannerasprovidedinthescheduleandendorsements.3.duringtheperiodofthisinsurance,theinsuredshallathisownexpensetakeallreasonableprecautions,includingpayingsufficientattentiontoandputtingintopracticethereasonablerecommendationsofthecompany,prudentlyselectingtheworkmenandemployeesandcomplyingwithallstatutoryregulationsandsafetyoperationprocedures.4.intheeventofanyoccurrencewhichgivesormightgiverisetoaclaimunderthispolicy,theinsuredorhisrepresentativeshall:

4.1notifythecompanyimmediatelyandwithinseven（7）daysoranyfurtherperiodasmaybeagreedbythecompanyinwriting,furnishawrittenreporttoindicatethecourse,probablereasonandextentoflossordamage;

4.2takeallnecessarymeasurestoavoidaggravationofthelossordamageandminimizeittotheleastextent;

4.3preservethespotaffectedanddefectivepartsbeforeaninspectioniscarriedoutbyarepresentativeorsurveyorfromthecompany;

4.4furnishallsuchinformationanddocumentaryevidenceasthecompanymayrequireforsupportingtheclaim.vi.generalconditions1.policyeffectthedueobservanceandfulfilmentofthetermsandconditionsofthispolicyinsofarastheyrelatetoanythingtobedoneorcompliedwithbytheinsuredshallbeaconditionprecedenttoanyliabilityofthecompanyunderthispolicy.2.policyvoidancethispolicyshallbevoidableintheeventofmisrepresentation,misdescriptionornon-disclosuremadebytheinsuredorhisrepresentativeinanymaterialparticularinrespectofthisinsurance.3.policyterminationunlessitscontinuancebeadmittedbythecompanyinwriting,thispolicyshallbeautomaticallyterminatedif:

3.1theinsurableinterestoftheinsuredislost;

3.2theriskoflossordamageisincreased.afterterminationofthepolicy,thepremiumshallberefundedtotheinsuredcalculatedonproratadailybasisfortheperiodfromthedateofterminationtothedateofexpiry.4.policycancellationthispolicymaybecanceledatanytimeattherequestoftheinsuredinwritingorattheoptionofthecompanybygivingafifteen（15）dayspriornoticetotheinsured.intheformercasethecompanyshallretainapremiumcalculatedonshorttermratebasisforthetimethepolicyhasbeeninforcewhileinthelattercasesuchpremiumshallbecalculatedonproratadailybasis.5.forfeitofbenefitiftheclaimisinanyrespectfraudulent,orifanyfraudulentmeansordevicesareusedbytheinsuredorhisrepresentativetoobtainanybenefitunderthispolicyorifanylossordamageisoccasionedbytheintentionalactorintheconnivanceoftheinsuredorhisrepresentative,theninanyofthesecases,alltherightsandbenefitsoftheinsuredunderthispolicyshallbeforfeited,andallconsequentlossesarisingtherefromincludingtheamountofclaimpaidbythecompanyshallbeindemnifiedbytheinsured.6.reasonableinspectiontherepresentativeofthecompanyshallatanysuitabletimebeentitledtoattendthesiteandinspectorexaminetheriskexplosureofthepropertyinsured.forthispurpose,theinsuredshallprovidefullassistanceandalldetailsandinformationrequiredbythecompanyasmaybenecessaryfortheassessmentoftherisk.theabovementionedinspectionorexaminationshallinnocircumstancesbeheldasanyadmissiontotheinsuredbythecompany.7.doubleinsuranceshouldanyloss,damage,expensesorliabilityrecoverableunderthepolicybealsocoveredbyanyotherinsurance,thecompanyshallonlybeliabletopayorcontributehisproportionoftheclaimirrespectiveastowhethertheotherinsuranceisarrangedbytheinsuredorothersonhisbehalf,orwhetheranyindemnificationisobtainableundersuchotherinsurance.8.subrogationwhereathirdpartyshallbeheldresponsibleforthelossordamagecoveredunderthispolicy,theinsuredshall,whetherbeingindemnifiedbythecompanyornot,takeallnecessarymeasurestoenforceorreservetherightofrecoveryagainstsuchthirdparty,anduponbeingindemnifiedbythecompany,subrogatetothecompanyalltherightofrecovery,transferallnecessarydocumentstoandassistthecompanyinpursuingrecoveryfromtheresponsibleparty.9.disputealldisputesunderthisinsurancearisingbetweentheinsuredandthecompanyshallbesettledthroughfriendlynegotiations.wherethetwopartiesfailtoreachanagreementafternegotiations,suchdisputeshallbesubmittedtoarbitrationortocourtforlegalactions.unlessotherwiseagreed,sucharbitrationorlegalactionshallbecarriedoutintheplacewherethedefendantisdomiciled.vii.specialprovisionsthefollowingprovisionsshallbeappliedtoallpartsofthispolicyandshalloverridetheothertermsandconditionsofthispolicyifanyconflictarises.propertyinsurancepolicypolicyno.:

whereastheinsurednamedinthescheduleheretohasmadetothe______insurancecompany（hereinaftercalled"

"

thecompany"

）awrittenproposalwhichtogetherwithanyotherstatementsmadebytheinsuredforthepurpos