FIRE INSURANCE CLAUSES.docx

FIRE INSURANCE CLAUSES.docx

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FIREINSURANCECLAUSES

FIREINSURANCECLAUSES（2009VERSION）

GENERALPROVISION

Article1TheInsuranceContractincorporatestheInsuranceClauses,ProposalForm,PolicyorCertificate,andEndorsements（ifany）.AnyagreementrelatedtotheInsuranceContractshallbeinwrittenform.

PROPERTYINSURED

Article2Thepropertyinsuredshallincludethefollowingpropertycontainedinthepremise（s）specifiedinthePolicy:

2.1propertybelongingtotheInsuredsolelyorjointlywithothersforwhichtheInsuredisresponsible;

2.2propertyundermanagement,control,and/orinthecustodyof theInsured;

2.3otherpropertyinwhichtheInsuredhasaneconomicinterestlegallyadmitted.

Article3ThefollowingpropertyshallnotbeinsuredbythisPolicy,unlessotherwisespecificallyagreedbetweentheInsurerandtheInsuredandwithinsuredvaluestatedinthisPolicy:

3.1gold,silver,pearls,diamonds,jades,jewelry,ancientcoins,antiques,ancientbooks,ancientpaintings,stamps,worksofart,worksofpaintingandcalligraphy,raremetalsandthelike;

3.2embankments,watergates,railways,roads,culverts,tunnels,bridges,docksandpiers;

3.3plants,equipmentsandmaterialsinminesormineralpits;

3.4mobilecommunicationdevices,portablecomputers,portablephotographicapparatus,andotherportabledevicesorequipments;

3.5constructionorerectionworksnottakenoverorputintoservice.

Article4ThefollowingitemsandarticlesarenotinsuredbythisPolicy:

ticleachment（ter_____________________________________________________________________________________________________________4.1land,mineralresources,waterandothernaturalresources;

4.2minesandmineralpits；

4.3banknotes,coupons,securities,magneticandintegratecircuit（IC）cardswithcashvalueandthelike;

4.4Filesanddocuments,accountbooks,drawings,technicaldata,computersoftwareordata,andotherpropertiesofwhichthevaluecouldnotbeappraised;

4.5guns,ammunitionsorexplosives;

4.6illegalordilapidatedbuildingsandstructures,propertiesillegallyoccupied;

4.7vehicleslicensedforgeneraltransportuse;

4.8animals,plants,treesandgrowingcrops.

________________________________________________________________________________________________________________________________SCOPEOFCOVER

Article5.Subjecttotheterms,exclusions,conditionsandprovisionscontainedinthePolicyorendorsedthereon,theInsurershallindemnifytheInsuredfordirectphysicallossofordamagetothepropertyinsured（physicallossordamagebeinghereinaftertermedDamage）causedbythefollowingperilswhichoccurduringtheperiodofinsurance:

5.1.Fire;

5.2.Explosion;

5.3.Lightningstroke;

5.4.Fallingofflyingobjectsorotherobjectsmovinginair.

TheInsurershallalsoindemnifytheInsuredforphysicallossofordamagetothepropertyinsuredresultingfromnecessaryandreasonablemeasurestakenatthetimeofthehappeningofperilsinsuredagainstbythisPolicyforthepurposeofpreventingordiminishingimminentdamagetopropertyherebyinsuredand/orpreventingthespreadand/oraggravationoflossordamage.

Article6Subjecttotheterms,conditionsandexclusionscontainedhereinorendorsedhereon,theInsurershallalsoindemnifytheInsuredinrespectofcostsandexpensesnecessarilyandreasonablyincurredforthepurposeofpreventingormitigatingthelossofordamagetothepropertyinsuredaftertheoccurrenceofaninsuredevent.

EXCLUSIONS

Article7_______________________________________________________________________________________________________________________________itigatingthelossofthepropertyinsured.incurredaftertheoccurrenceoftheinsuredeventforthepurposeofpreventingormrticleits;___________________________________________________________________________________________________________________TheInsurershallnotindemnifytheInsuredinrespectofanyloss,damage,orexpensesresultingfrom:

7.1willfulactorgrossnegligenceoftheApplicantortheInsuredorhisrepresentative;

7.2governmentalorjudicialactions;

7.3warandwarlikeoperation,hostilities,armedconflicts,strike,riot,civilcommotion,coupd’état,conspiracyinsurrection,terrorism;

7.4earthquake,tsunamiandsecondarydisasterssocaused;

7.5nuclearradiation,nuclearfission,nuclearfusion,nuclearpollutionorcontaminationandotherradioactivepollutionorcontamination;

7.6pollutionofatmosphere,soil,waterandothernon-radioactivepollution,exceptnon-radioactivepollutioncausedbyperilsherebyinsured.

7.7inherentviceorlatentdefectofthepropertyinsured,wearandtearofthepropertyinsured,changesinatmosphere（climaticortemperature）conditions,changesinnormalwaterleveloranyotherprogressivelyoperatingcauses;changesinsubstance,mould,humidity,mice,insectsorvermin,birds,oxidation,rust,leakage,spontaneouscombustion,baking;

7.8rainstorm,flood,windstorm,cyclone,hailstorm,typhoon,hurricane,snowstorm,iceslush,sandstorm,suddenlandslide,avalanche,mud-rockflow,suddensubsidenceofground;

7.9watertankandpipeburst;

7.10theft,burglaryorrobbery.

Article8TheInsurershallnotbeliablefor:

8.1consequentiallossofthepropertyinsuredarisingfromaneventinsured;

8.2lossofordamagetotheoutsideancillarydevicesofbuildingsuchasadvertisingsigns,antenna,neonlights,solarenergyequipmentandotherpropertyinsuredstoredintheopenorinthesimplebuildingandthelossofordamagetothesimplebuildingitself,causedbythelightning;

8.3lossofordamagetotheboilersorotherpressurevesselsthemselvescausedbytheirownexplosion;

8.4anylossorexpensescausedbyfailureofpublicutilities,suchaselectricity,gas,watersupplyorotherenergysources,duetoanycauses;

8.5thedeductible（s）statedinthePolicy.

Article9.TheInsurershallnotbeliableforanyotherloss,damageorexpensesarisingfromanyotherperilsnotstatedinArticle5and6ofthisPolicy.

INSUREDVALUE,SUMINSURED,ANDDEDUCTIBLE

Article10Theinsuredvalueofthepropertyinsured,whichcanbeeitherthereinstatementvalue,thebookvalue,themarketvalueorothervaluesatthetimeofthehappeningofDamage,shallbeagreeduponbetweentheApplicantandtheInsurerandstatedinthePolicy.

Article11Thesuminsured,whichshallbedeterminedbytheApplicantaccordingtotheinsuredvalueandstatedinthePolicy,shallnotexceedtheinsuredvalue.Thepartofsuminsureinexcessoftheinsuredvalueisdeemedtobeinvalid,andcorrespondinglythepremiumofsuchpartinexcessshallbereturnedtotheApplicant.

Article12ThedeductibleshallbeagreedbetweentheApplicantandtheInsurerwhenenteringintotheinsurancecontractandspecifiedinthePolicy.

PERIODOFINSURANCE

Article13Unlessotherwiseagreed,theperiodofinsuranceshallbeoneyearsubjecttotheinceptionandexpirationdateasstipulatedinthePolicy.

OBLIGATIONSOFTHEINSURER

Article14Incaseofapplicationofstandardclauses,theInsurershallenclosethemintheProposalFormandexplainthecontentsoftheinsurancecontracttotheApplicant.FortheclausesexemptingtheInsurer’sliability,theInsurershallmakeremarkablenoticeintheProposalForm,PolicyorothercertificatestodrawtheApplicant’sattention,andexplainthemclearlyinwrittenororalformwhenenteringintothecontract.Otherwise,suchclausesshallbevoid.

Article15TheInsurershallissuethePolicyorothercertificatesinatimelymanneraftertheestablishmentofaninsurancecontract

Article16TheInsurer’srighttocancelthePolicyasstatedinArticle20isvoidifnotexercisedbytheInsurerwithinthirtydaysafterhisacknowledgementofanycausesforcancellationofthisPolicy.Aftertwoyearsfromtheestablishmentoftheinsurancecontract,suchrighttocancelthePolicyisalsovoidandtheInsurershallbeliableforDamageinsuredbythisPolicy.

Ifbeforetheestablishmentoftheinsurancecontract,theInsurerisawareoftheApplicant’smisrepresentationornon-disclosure,theInsurercannotcancelthePolicy,andstillshallbeliableforDamageinsuredbythisPolicy.

Article17IftheInsurerbelievesthattheproofsanddocumentsprovidedbytheInsured,asrequiredinArticle26,arenotsufficient,theInsurershallrequesttheApplicantand/ortheInsuredtoprovideadditionalmaterialsintimeandonceforall.

Article18Uponreceiptofaclaim,theInsurershallconfirmwhethertheDamageiscoveredbythisPolicyornotinatimelymanner.Forcomplicatedcases,theInsurershallmakedecisionwithinthirtydays,unlessotherwisestipulatedintheinsurancecontact.

TheInsurershallnotifytheInsuredofthedecisioninatimelymanner.IftheDamageiscoveredbythisPolicy,theInsurershallmakepaymentwithintendaysafterreachinganagreementwiththeInsured.Ifthetimelimitforindemnityisspecificallystipulatedintheinsurancecontact,theInsurershallmakepaymentwithinsuchtimelimit.IftheDamageisnotcoveredbythisPolicy,withinthreedaysafterthedecision,theInsurershallissueadeclinationletterandexplainthereasonstotheInsured.

Article19TheInsurershallallowanadvancepaymentthatcanbedeterminedbytheavailableproofsordocumentsifthefinalsettlementamountcannotbedeterminedwithinsixtydaysafterreceiptofsuchclaimandrelevantdocuments,andpaythebalancetotheInsuredafterthefinalamountofindemnityisadjusted.

OBLIGATIONSOFTHEAPPLICANTAND/ORINSURED

Article20Beforeenteringintoaninsurancecontract,theApplicantshallmakefullandaccuraterepresentationanddisclosureattherequestand/orinquiryofth