财产保险合同英文版.docx

财产保险合同英文版.docx

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财产保险合同英文版

财产保险合同英文版

　　　　PROPERTYINSURANCECLAUSES

　　　　I.THEPROPERTYINSURED

　　　　ThepropertyinsuredshallrefertoallpropertiesandexpensesspecifiedintheScheduleofthisPolicy.

　　　　UnlessspecificallyagreeduponinwritingbetweentheInsuredandtheCompanyandappraisedandvalue-establishedbyprofessionalsorassessors,thefollowingarticlesandtheexpensesrelevanttheretoshallnotbecoveredunderthisPolicy：

　　　　1.Gold,silver,pearls,diamonds,preciousstonesandjades；

　　　　2.Antiques,articlesofvirtue,ancientcoins,ancientbooksandancientpaintings；

　　　　3.Worksofartorpostagestamps；

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

　　　　5.Computersystemrecordsoritsmakingandcopyingcosts.

　　　　Undernocircumstancesshallthefollowingarticlesrelevanttheretobecoveredhereunder：

　　　　1.Guns,ammunitionorexplosives；

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

　　　　3.Animals,plantsandagriculturalcrops；

　　　　4.Mobilephones,portablecomputers,removablephotographapparatusorotherpreciousarticles；

　　　　5.Vehicleslicensedforgeneraltransportuse.

　　　　II.SCOPEOFCOVER

　　　　TheCompanyshallindemnifytheInsuredinrespectofthephysicallossofordamagetotheinsuredpropertystatedintheScheduleduringtheperiodofinsurancedirectlyarisingfromthefollowingperils：

　　　　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.EXCLUSIONS

　　　　ThisCompanyshallnotbeliablefor：

　　　　1.LossofordamagetotheinsuredpropertyorexpensescausedbyintentionalactorgrossnegligenceoftheInsuredorhisrepresentative；

　　　　2.Lossofordamagetotheinsuredpropertycausedandexpensesincurredbyearthquakeortsunami；

　　　　3.Depreciation,lossofmarket,lossofuseandotherconsequentiallossesofanydescription；

　　　　4.Lossofordamagetotheinsuredpropertyorexpensesincurredarisingfromwar,warlikeoperation,hostilities,armedconflicts,terrorism,conspiracyinsurrection,coupd`etat,strike,riot,andcivilcommotion；

　　　　5.Confiscation,requisition,destructionordamagebyanyactionororderofanygovernmentdejureordefactoorbyanypublicauthorities；

　　　　6.Lossofordamagetoinsuredpropertydirectlyorindirectlycausedorexpensesincurredbynuclearfission,nuclearfusion,　nuclear　weapon,nuclearmaterial,nuclearradiationandradioactivecontamination；

　　　　7.Lossordamagecausedandexpensesincurredbypollutionofanykindordescriptionwhatsoeversuchas　atmosphere,landandwaterpollutionsbutthisdoesnotincludelossordamagecausedbypollutionarisingfromPERILSspecifiedinArticleIIthePolicy；

　　　　8.ThedeductiblesstatedintheScheduletobebornebytheInsured；

　　　　9.LossordamagearisingfromanyotherperilsnotlistedinArticleIIofthisPolicy.

　　　　IV.TREATMENTOFCLAIM

　　　　1.TheCompanyshallatitsoption,indemnifytheInsuredinrespectoflossordamagefallingwithintheScope　of　CoverofthePolicybyeither：

　　　　1.1payingtheamountoftheactualvalueofthepropertylostordamagedor；

　　　　1.2payingthenecessarycostofrepairingorrestoringthedamagedpropertytoitsnearestconditionimmediatelyprecedingthedamageor；

　　　　1.3repairingorrestoringthedamagedpropertytoaconditionneartootherpropertyoflikekindandquality.

　　　　2.IndemnityunderthisPolicyshallbebaseduponthesoundmarketvalueofthepropertyprevailingatthetimeofloss.Ifthesoundmarketvalueofthedamagedpropertyislowerthanthesuminsuredofsuchproperty,theclaimshallbesettledonitsmarketvalue；Ifthesoundmarketvalueofthepropertyisinexcessofthesuminsured,theCompanyshallonlybeliableforsuchproportionoftheclaimasthesuminsuredofthedamagedpropertybearstoitssoundmarketvalue.IftheinsuredpropertyenumeratedintheScheduleismorethanoneitem,theprovisionofthisclauseshallapplytoeachthereof.

　　　　3.Ifaclaimforlossofordamagetotheinsureditemissettledonatotallossbasis,thesalvagevalueofsuchitemshallbedeductedfromtheindemnitypayablebytheCompany.TheCompanymay,atitsoption,declinetheabandonmentofanydamagedpropertybytheInsured.

　　　　4.Intheeventoflossofordamagetoanyequipmentiteminsuredformingpartofapairorset,theCompanyshallnotbeliablein　respectofeachofsuchitemlostordamagedformorethanitsproportionatepartofthesuminsuredonthecompletepairorset.

　　　　5.Intheeventofanylossoccurrence,theCompanyshallalsopaytheInsuredfortheexpensesreasonablyincurredfortakingnecessarymeasurestominimizelossordamagetotheleastextent,butinnocaseshallsuchexpensesreferredheretoexceedthesuminsuredoftheinsuredproperty.

　　　　6.Uponsettlementofaclaim,anendorsementshallbeissuedbytheCompanytoreducethesuminsuredcorrespondingtothepropertylostordamagedbytheamountsosettledfromthedateofloss,andnopremiumshallberefundedfortheamountsoreduced.IfreinstatementofthesuminsuredisrequiredbytheInsureduponsettlementoftheclaim,anadditionalpremiumforthereinstatedamountshallbechargedatanagreedrate,andbecalculatedonproratadailybasisfromthedateoflosstotheexpiryoftheinsurance.

　　　　7.Thetimeofvalidityofaclaimunderthisinsuranceshallnotexceedaperiodoftwoyearcountingfromthedateofloss.

　　　　V.INSURED`SOBLIGATIONS

　　　　ThefollowingObligationsshallbestrictlyfulfilledbytheInsuredandhisrepresentative：

　　　　1.TheInsuredandhisrepresentative,whenapplyingforinsuranceshallmaketrueanswersordescriptionstothequestionsintheProposalandQuestionnaireortoanyotherquestionsraisedbytheCompany.

　　　　2.TheInsuredandhisrepresentativeshallpaytotheCompanyinduecoursetheagreedpremiuminthemannerasprovidedintheScheduleandEndorsements.

　　　　3.Duringtheperiodofthisinsurance,theInsuredshallathisownexpensetakeallreasonableprecautions,includingpayingsufficientattentiontoandputtingintopracticethereasonablerecommendationsoftheCompany,prudentlyselectingtheworkmenandemployeesandcomplyingwithallstatutoryregulationsandsafetyoperationprocedures.

　　　　4.IntheeventofanyoccurrencewhichgivesormightgiverisetoaclaimunderthisPolicy,theInsuredorhisrepresentativeshall：

　　　　4.1notifytheCompanyimmediatelyandwithinseven（7）daysoranyfurtherperiodasmaybeagreedbythe　Companyinwriting,furnishawrittenreporttoindicatethecourse,probablereasonandextentof　lossordamage；

　　　　4.2takeallnecessarymeasurestoavoidaggravationofthelossordamageandminimizeittotheleastextent；

　　　　4.3preservethespotaffectedanddefectivepartsbeforeaninspectioniscarriedoutbyarepresentativeorsurveyorfromtheCompany；

　　　　4.4furnishallsuchinformationanddocumentaryevidenceastheCompanymayrequireforsupportingtheclaim.

　　　　VI.GENERALCONDITIONS

　　　　1.PolicyEffect

　　　　ThedueobservanceandfulfilmentofthetermsandconditionsofthisPolicyinsofarastheyrelatetoanythingtobedoneorcompliedwithbytheInsuredshallbeaconditionprecedenttoanyliabilityoftheCompanyunderthisPolicy.

　　　　2.PolicyVoidance

　　　　ThisPolicyshallbevoidableintheeventofmisrepresentation,misdescriptionornon-disclosuremadebytheInsuredorhisrepresentativeinanymaterialparticularinrespectofthisinsurance.

　　　　3.PolicyTermination

　　　　UnlessitscontinuancebeadmittedbytheCompanyinwriting,thisPolicyshallbeautomaticallyterminatedif：

　　　　3.1theinsurableinterestoftheInsuredislost；

　　　　3.2theriskoflossordamageisincreased.

　　　　AfterterminationofthePolicy,thepremiumshallberefundedtotheInsuredcalculatedonproratadailybasisfortheperiodfromthedateofterminationtothedateofexpiry.

　　　　4.PolicyCancellation

　　　　ThisPolicymaybecanceledatanytimeattherequestoftheInsuredinwritingorattheoptionoftheCompanybygivingafifteen　（15）dayspriornoticetotheInsured.IntheformercasetheCompanyshallretainapremiumcalculatedonshorttermratebasisforthetimethePolicyhasbeeninforcewhileinthelattercasesuchpremiumshallbecalculatedonproratadailybasis.

　　　　5.ForfeitofBenefit

　　　　Iftheclaimisinanyrespectfraudulent,orifanyfraudulentmeans