财产险常用附加条款中英对比.docx

1、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一般附加条款30天注销保单通知条款/30 Days Notice of Cancellation Clause30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。30 Days Notice of Cancellation ClauseThe insurance may at any time be terminated at the option of the in

2、surer, giving 30 days notice to that effect being giving to the insured, in which case the Company shall be liable to repay on demand a ratable proportion of the premium for the unexpired terms from the date of the cancellation.The insurance may also at any time be terminated at the option of the in

3、sured, giving immediate notice to that effect being giving to the Insurer, in which case the insured shall be charged on a short period premium for the expired terms from the date of inception.备注：天数可变动 30/60/9060天不续保通知条款/60 Days Non-Renewal Notice Clause60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

4、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。60 Days Non-Renewal Notice ClauseThe Company may not renew the policy by sending the Insured 60 days notice in writing prior to the Policy expiration date. Notification is to be delivered personally or posted by certified mail to the Insured at his latest k

5、nown address notified to the Company.备注：天数可变动 30/60理赔控制条款/Claims Control ClauseClaims Control ClauseThe Reinsured thereby undertakes to advise Reinsurers of the occurrence of any accident which may give rise to a claim hereafter as soon as they themselves are made aware of it, and in such event will

6、 cooperate with Reinsurers in the defence or settlement of such claim and in no case shall the Reinsured make any admission of liability under the original policy without the consent in writing of the Reinsurers having the first been obtained.共同被保险人条款/Joint-Insured Clause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

7、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-Insured ClauseAs all the parties comprising the Insured operate as separate and distinct entities the rights of each of

8、 the parties in all respects shall (notwithstanding anything contained or implied herein to the contrary) be treated as though each of the parties had separate policies for their respective rights and interests.Notwithstanding anything in the policy to the contrary, it is expressly understood and ag

9、reed that the failure of any Insured party to comply with, fulfill or observe the terms and conditions of the policy shall not prejudice the rights of any other Insured party or parties under the policy.The Company hereby agree to waive all rights of subrogation or action which they may have or acqu

10、ire against any of the parties comprising the Insured or their directors agents or employees or their insurance arising out of any occurrence in respect of which any claim is admitted hereunder or which but for the application of any Retained Liability mentioned in the Schedule of this policy would

11、be made hereunder.司法管辖权条款/Jurisdiction ClauseJurisdiction ClauseThe Company shall not be liable in respect of any judgment that are delivered by or obtained from a court outside the Peoples Republic of China.It is further provided that the Indemnity shall not apply to a judgment or order obtained in

12、 the Peoples Republic of China for the enforcement of a judgment obtained elsewhere.指定公估人条款/Loss Adjusters Clause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。Loss Adjusters Clause It is hereby declared and agreed that the

13、Companys Claims Handling Representative would appoint qualified international loss adjusters in Hong Kong/PRC to investigate and adjust the loss.损失通知条款/Loss Notification ClauseLoss Notification ClauseNotwithstanding anything contained herein to the contrary, it is hereby declared and agreed that thi

14、s insurance will not be prejudiced by any inadvertent delays, errors, or omission in notifying the insurers of any circumstances or event giving rise or likely to give rise to a claim inside this Policy. Subject otherwise to the Terms, Exceptions and Conditions of this Policy.不受控制条款/No Control Claus

15、e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。 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。No Control Clause Any breach of the written warranties in this Policy without the knowledge and consent of the Insured shall not prejudice this insurance, provided due diligence be exercised by the Insu

16、red to ensure that same are complied with. 不可注销保单条款/Non-Cancellation Clause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-Cancellation Clause不使失效条款/Non-invalidation Clause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

17、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。 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。Non-invalidation ClauseIt is hereby agreed that this Insurance shall not be invalidation by any change of occupancy or increase of risk taking place in the Property Insured without the Insureds knowledge provided that the

18、y shall, immediately on the same coming to their knowledge, advise the Company and pay any additional premium that may be required from the date of such increase of risk. 预付赔款条款A/Payment on Account Clause预付赔款条款A 经双方同意，发生保险责任范围内的损失，经保险人或保险人委托的公估人理算后，损失金额已确定部分的赔款可预付给被保险人，该部分预付赔款应从总赔款金额中扣除。本附加条款与主条款内容相

19、悖之处，以本附加条款为准；未尽之处，以主条款为准。Payment on Account ClauseIt is hereby understood and agreed that in the event of the occurrence of a loss covered under this policy the company may approve an advance payment on account in respect of such loss at the request of the insured and with the loss adjusters recomme

20、ndation.预付赔款条款B预付赔款条款B 经双方同意，发生保险责任范围内损失，保险人在收到被保险人的索赔请求及相关单证资料之日起六十天内，未能确定赔偿金额的，根据被保险人的要求及公估人(理算师)的建议，保险人可预先支付部分赔款，金额限于预计赔偿金额的40。 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。分期付费条款A/Premium Installment Clause分期付费条款A 经双方同意，本保险合同项下保险费可以按照约定的分期支付日期和金额支付。 若投保人未按约定支付保险费，从应付之日起至实际支付之日止的期间内发生保险责任范围内的损失的，保险人不承担赔偿

21、责任。 投保人在付清本保险合同项下全部保险费之前，如保险标的发生损失，保险人应支付的赔偿金额超过投保人未支付的保险费时，保险人有权在赔偿金额中扣除投保人尚未支付的保险费。 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。Premium Installment Clause It is agreed and understood that the total premium under this Policy shall be paid in installments on the following conditions:No. of Installment Amou

22、nt to be paid Date of PaymentIn case the Insured fails to pay a required premium on the above-specified date. The Insurers shall not be liable for any loss of and/or damage to the subject matters insured arising during the period from the date of payment to the day when such belated premium has been

23、 paid. Until the Insured has paid all the premiums on this Policy, the Insurers shall be entitled to make deductions in respect of unpaid premium from the amount of claims paid and to be paid for any recoverable claims where the aggregate amount of claims paid and to be paid exceeds that unpaid prem

24、ium.分期付费条款B分期付费条款B 经双方同意，本保险合同项下保险费可以按照约定的分期支付日期和金额支付。 若投保人未按约定支付保险费，从应付之日起至实际支付之日止的期间内发生保险责任范围内的损失的，保险人按损失发生时已交保险费与本保险合同约定的总保险费的比例承担赔偿责任。 投保人在付清本保险合同项下全部保险费之前，如保险标的发生损失，保险人应支付的赔偿金额超过投保人未支付的保险费时，保险人有权在赔偿金额中扣除投保人尚未支付的保险费。 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。利益可分性条款/Severability of Interest ClauseSev

25、erability of Interest ClauseThe Policy shall protect each Insured in the same manner and to the same extent as though a separate Policy had been issued to each, but nothing herein shall operate to increase the Insurers liability at set forth elsewhere in this Policy beyond the amount or amounts for

26、which the Insurer would be liable if there had been only one Insured. Any breach of a condition of this Policy by any Insured shall not affect the protection given by this Policy to any other Insured.放弃代位追偿扩展条款/Waiver of Subrogation Clause放弃代位追偿扩展条款 经双方同意，保险人同意放弃对下列各方可能拥有的代位请求赔偿的权利： (一) 被保险人的关联或联营公司

27、； (二) 被保险人的子公司或控股公司； (三) 被保险人的董事、合伙人； (四) 被保险人的雇员。 但上述各方的故意行为造成保险事故的，保险人保留代位请求赔偿的权利。 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。Waiver of Subrogation ClauseIt is hereby agreed and understood that notwithstanding anything contained herein to the contrary, it is understood and agreed that any claimant under

28、 this Policy shall at the request and at the expenses of the Company do and concur in doing and permit to be done all such acts or things as may be necessary or reasonably required by the Company for the purpose of enforcing any rights and remedies or of obtaining relief or indemnity from other part

29、ies to which the Company shall be or would become entitled or subrogated, upon its paying for or making good any loss or damage under this policy, whether such acts or things shall be or become necessary or required before or after indemnification by the Company. The Company hereby agrees to waive i

30、ts rights of subrogation against any corporation or company associated or affiliated with the Insured or any of the Insureds subsidiary or holding companies, or any parties, officer or individual connected therewith.This Clause is Subject otherwise to the terms, conditions and exclusions of this Pol

31、icy.财产险2000年问题除外责任条款/Year 2000 Problem Exclusion Clause财产险2000年问题除外责任条款本条款“2000年问题”系指，因涉及2000年日期变更，或此前、期间、其后任何其他日期变更，包括闰年的计算，直接或间接引起计算机硬件设备、程序、软件、芯片、媒介物、集成电路及其他电子设备中的类似装置的故障，进而直接或间接引起和导致保险财产的损失或损坏问题。本公司对由于下列原因，无论计算机设备是否属于被保险人所有，直接或间接导致、构成或引起保险财产损失或损坏由此产生的直接损失或间接损失不负赔偿责任：1）不能正确识别日期；2）由于不能正确识别日期，以读取、存

32、储、保留、检索、操作、判别、处理任何数据或信息，或执行命令和指令；3）在任何日期或该日期之后，由于编程输入任何计算机软件的操作命令引起的数据丢失，或不能读取、储存、保留、检索、正确处理该类数据；4）因涉及2000年日期变更，或任何其他日期变更，包括闰年的计算而不能正确进行计算、比较、识别、排序和数据处理；5）因涉及2000年日期变更，或任何其他日期变更，包括闰年的计算，对包括计算机、硬件设备、程序、芯片、媒介物、集成电路及其他电子设备中的类似装置进行预防性的、治理性的、或其他性质的更换、改变、修改。本保单所载其他条件不变。Year 2000 Problem Exclusion Clause“Year 2000 Problem” in this clause means direct or indirect loss or damage to property arising from malfunction of any computer hardware, system, software, chip, me