财产险常用附加条款中英对比.docx
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财产险常用附加条款中英对比
财产险常用中英文附加条款汇编
30天注销保单通知条款/30DaysNoticeofCancellationClause.6
60天不续保通知条款/60DaysNon-RenewalNoticeClause.6
理赔控制条款/ClaimsControlClause6
共同被保险人条款/Joint-InsuredClause7
司法管辖权条款/JurisdictionClause7
指定公估人条款/LossAdjustersClause7
损失通知条款/LossNotificationClause8
不受控制条款/NoControlClause8
不可注销保单条款/Non-CancellationClause8
不使失效条款/Non-invalidationClause8
预付赔款条款A/PaymentonAccountClause.9
预付赔款条款B9
分期付费条款A/PremiumInstallmentClause.9
分期付费条款B10
利益可分性条款/SeverabilityofInterestClause10
放弃代位追偿扩展条款/WaiverofSubrogationClause11
财产险2000年问题除外责任条款/Year2000ProblemExclusionClause11
14
13
72小时条款/72HoursClause
50/50条款(50/50Clause)13
地面突然下陷下沉扩展条款/AccidentalSubsidenceofGroundExtensionClause定值保险条款/AgreedValueInsuranceClause15
空运费扩展条款/AirFreightFeeExtensionClause15
其他物品扩展条款/AllOtherContentsExtensionClause15
建筑物变动扩展条款/AlterationofBuildingClause16
权益转让条款/AssignmentClause17
自动承保条款/AutomaticCoverClause18
自动恢复保险金额条款/AutomaticReinstatementofSumInsuredClause18
18
分摊豁免条款/AverageReliefClause(20%)
19
锅炉、压力容器扩展条款/BoilersandPressureVesselsExtensionClause
违反条件条款/BreachofConditionsClause
玻璃破碎扩展条款/BreakageofGlassExtensionClause21
玻璃破碎扩展条款(财产一切险)/BreakageofGlassClause(PAR)21
玻璃破碎扩展条款(财产险)/BreakageofGlassClause(财产险)21
盗窃险条款/BurglaryInsuranceClause22
23
水箱、水管爆裂扩展条款/BurstingofWaterTankorWaterPipeExtensionClause增加资产扩展条款A/CapitalAdditionsExtensionClause(A).23
增加资产扩展条款B/CapitalAdditionsExtensionClause(B).24
85%扩展条款/Co-InsuranceExtensionClause(85%)24
合同价格扩展条款/ContractPriceExtensionClause25
复制费用扩展条款/CostofDuplicationExtensionClause25
清理残骸费用扩展条款/DebrisRemovalExpensesExtensionClause26
财物种别条款/DesignationofPropertyClause26
索赔单据条款/DocumentsClause26
地震扩展条款/EarthquakeExtensionClause27
紧急抢险条款/EmergencyRescueClause28
错误和遗漏条款/ErrorandOmissionsClause28
自动升值扩展条款/EscalationExtensionClause29
特别费用扩展条款/ExtraChargesExtensionClause29
..29
飞行物体及其他空中运行物体坠落扩展条款/FallingofFlyingObjectsExtensionClause
灭火费用扩展条款A/FireFightingCostExtensionClause(A).30
灭火费用扩展条款B/FireFightingCostExtensionClause(B).30
消防队灭火费用扩展条款/FireFightingBrigadeChargesExtensionClause31
消防保证条款/FirePreventionFacilitiesWarrantyClause31
洪水除外条款/FloodandInundationExclusionClause32
洪水扩展条款/FloodExtensionClause32
防洪保证条款/FloodPreventionWarrantyClause33
地基除外条款/FoundationExclusionClause34
冰雹扩展条款/HailstoneExtensionClause34
起重、运输机械扩展条款/HoistingandTransportMachineryExtensionClause34
碰撞扩展条款/ImpactDamageExtensionClause35
碰撞除外条款/ImpactdamageExclusionClause35
阻止条款/InhibitionClause36
内陆运输扩展条款A/InlandTransitExtensionClause(A).36
内陆运输扩展条款B/InlandTransitExtensionClause(B).36
数据损失澄清条款/ITClarificationClause37
地崩及地陷条款/Landslip&SubsidenceClause37
遵守法律规定保证条款/LegalRequirementsWarranty38
雷电扩展条款/LightningExtensionClause39
车辆装载物扩展条款/LoadedPropertyExtensionClause39
铁路机车车辆扩展条款/LocomotiveExtensionClause40
赔款接受人条款/LossPayeeClause40
抵押权条款/MortgageClause41
泥石流、崩塌、突发性滑坡扩展条款/Mud-rockflow,AvalancheandSuddenLandslipExtension
41
Clause
恶意破坏扩展条款/MaliciousDamageExtensionClause42
不受控制条款/NoControlClause42
指定公估人条款/NominationofLossAdjustersClause43
不使失效条款/Non-invalidationClause43
非占用者业主条款/NonOccupyingLandlordClause43
场所外财产条款/OffPremisesPropertyClause44
油气管道损坏扩展条款/OilorGasPipelineDamageExtensionClause44
建筑物外部附属设施扩展条款A/OutsideAncillaryDevicesofBuildingExtensionClause(A)
45
建筑物外部附属设施扩展条款B/OutsideAncillaryDevicesofBuildingExtensionClause(B)
45委托加工扩展条款/Out-sourcingProcessingExtensionClause46
成对或成套设备条款/Pair&SetClause46
预付赔款条款A/PaymentonAccountClause(A).47
预付赔款条款B/PaymentonAccountClause(B).47
雇员个人物品扩展条款/PersonalEffectsofEmployeesExtensionClause47
便携式设备扩展条款/PortableDevicesonPremisesExtensionClause48
专业费用扩展条款/ProfessionalFeeExtensionClause48
分期付费条款A/PremiumInstalmentClause(A).49
分期付费条款B/PremiumInstalmentClause(B).49
Clause
Clause
52
露天存放及简易建筑内财产扩展条款A/PropertyintheOpenorSimpleBuildingExtension(A)50
露天存放及简易建筑内财产扩展条款B/PropertyintheOpenorSimpleBuildingExtension(B)50
公共当局扩展条款/PublicAuthorityExtensionClause51
冷库扩展条款/RefrigeratingPlantsExtensionClause52
重置价值条款(存货除外)/ReinstatementValueClause(notapplicabletostockitem)清理残骸条款/RemovalofDebrisClause54
沙尘暴除外条款/SandstormExclusionClause55
沙尘暴扩展条款/SandstormExtensionClause55
简易建筑除外条款/SimpleBuildingExclusion56
烟熏扩展条款/SmokeDamageExtensionClause56
暴雪、冰凌扩展条款/SnowstormandIcicleExtensionClause57
自燃除外条款/SpontaneousCombustionExclusionClause57
自燃扩展条款/SpontaneousCombustionExtensionClause57
自动喷淋系统水损扩展条款/SprinklerLeakageDamageExtensionClause58
仓储财产申报条款/StockDeclarationandAdjustmentClause58
暴风雨除外条款/StormandTempestExclusionClause59
暴风雨扩展条款/StormandTempestExtensionClause59
存放保证条款/StorageWarranty60
..60
63
罢工、暴乱及民众骚乱扩展条款/StrikeRiotand/orCivilCommotionsExtensionClause供应中断扩展条款A/SupplyFailureExtensionClause(A).61
供应中断扩展条款B/SupplySuspensionExtensionClause(B).61
供应中断扩展条款C/SupplyFailureExtensionClause(C).62
供应中断扩展条款D/SupplyFailureExtensionClause(D).62
临时保护措施扩展条款/TemporaryProtectionExtensionClause62
厂区间临时移动扩展条款/TemporaryRemovalbetweenFactoriesExtensionClause
临时移动扩展条款/TemporaryRemovalExtensionClause63
恐怖活动扩展条款/TerrorismExtensionClause64
盗窃、抢劫扩展条款/Theft,BurglaryandRobberyExtensionClause65
龙卷风除外条款/TornadoExclusionClause66
龙卷风扩展条款/TornadoExtensionClause66
运输条款/TransitClause66
台风、飓风除外条款/TyphoonandHurricaneExclusionClause67
台风、飓风扩展条款/TyphoonandHurricaneExtensionClause67
建筑物未受损部分额外费用扩展条款/UndamagedBuildingExtraChargesExtensionClause.68
放弃代位追偿扩展条款/WaiverofSubrogationExtensionClause68
装修工人条款/WorkmenClause69
企财险附加条款1(仓储物扩展条款)69
企财险附加条款2(洪水责任水位线条款)69
企财险附加条款3(建筑物外部附属设施扩展条款).69
企财险附加条款4(防洪保证条款)70
企财险附加条款5(简易建筑物扩展条款)70
一般附加条款
30天注销保单通知条款/30DaysNoticeofCancellationClause
30天注销保单通知条款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'notice
tothateffectbeinggivingtotheinsured,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'noticeinwritingpriorto
thePolicyexpirationdate.NotificationistobedeliveredpersonallyorpostedbycertifiedmailtotheInsuredathislatestknownaddressnotifiedtotheCompany.
备注:
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
AsallthepartiescomprisingtheInsuredoperateasseparateanddistinctentitiestherights
ofeachofthepartiesinallrespectsshall(notwithstandinganythingcontainedorimpliedhereintothecontrary)betreatedasthougheachofthepartieshadseparatepoliciesfortheirrespectiverightsandinterests.
Notwithstandinganythinginthepolicytothecontrary,itisexpresslyunderstoodandagreed
thatthefailureofanyInsuredpartytocomplywith,fulfillorobservethetermsandconditionsofthepolicyshallnotprejudicetherightsofanyotherInsuredpartyorpartiesunderthepolicy.
TheCompanyherebyagreetowaiveallrightsofsubrogationoractionwhichtheymayhaveor
acquireagainstanyofthepartiescomprisingtheInsuredortheirdirectorsagentsoremployeesortheirinsurancearisingoutofanyoccurrenceinrespectofwhichanyclaimisadmittedhereunderorwhichbutfortheapplicationofanyRetainedLiabilitymentionedintheScheduleofthispolicywouldbemadehereunder.
司法管辖权条款/JurisdictionClause
JurisdictionClause
TheCompanyshallnotbeliableinrespectofanyjudgmentthataredeliveredbyorobtained
fromacourtoutsidethePeople'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