财产保险合格式（涉外）(附英文)
保险财产
保险财产指保险单明细表中列明财产费
保险特申请公司书面意列物品费专业员公估部门鉴定确定价值作保险财产：
（）金银珠宝钻石玉器
（二）古玩古币古书古画
（三）艺术作品邮票
（四）建筑物广告天线霓虹灯太阳装置等
（五）计算机资料制作复制费
列物品律作保险财产：
（）枪支弹药爆炸物品
（二）现钞价证券票文件档案帐册图纸
（三）动物植物农作物
（四）便携式通讯装置电脑设备相摄器材贵重物品
（五）公交通车辆
二责范围
保险期限保险单明细表中列明保险财产列明风险造成直接物质损坏灭失（简称损失）公司意保险单规定负责赔偿
（）火灾
（二）爆炸包括锅炉爆炸
（三）雷电
（四）飓风台风龙卷风
（五）风暴暴雨洪水
包括正常水位变化海水倒灌水库运河堤坝正常水位线排水渗漏包括风暴暴雨洪水造成存放露天芦席蓬布茅草油毛毡塑料膜尼龙等作罩棚覆盖保险财产损失
（六）冰雹
（七）崩山崩雪崩
（八）火山爆发
（九）面陷沉包括桩作业挖掘作业引起面陷沉
（十）飞机坠毁飞机部件飞行物体坠落
（十）水箱水爆裂包括锈蚀引起水箱水爆裂
三外责
公司列项负责赔偿：
（）保险代表意行重失引起损失费
（二）震海啸引起损失费
（三）贬值丧失市场价值等果损失
（四）战争类似战争行敌行武装突恐怖活动谋反政变罢工暴动民众骚乱引起损失费
（五）政府命令公局没收征销毁毁坏
（六）核裂变核聚变核武器核材料核幅射放射性污染引起损失费
（七）气土水污染种污染引起损失费包括保险单第二条责范围列明风险造成污染引起损失
（八）保险单明细表关条款中规定应保险行负担免赔额
（九）属保险单第二条责范围列明风险引起损失
四赔偿处理
（）果发生保险责范围损失公司选择列方式赔偿：
１．受损财产价值赔偿
２．赔付受损财产基恢复原状修理修复费
３．修理恢复受损财产达类财产基致状况
（二）受损财产赔偿损失时市价计算市价低保险金额时赔偿市价计算市价高保险金额时赔偿保险金额市价例计算保险载项目止项时赔款规定逐项计算
（三）保险项目发生损失公司全部损失赔付残值应赔款中扣公司权接受保险受损财产委付
（四）属成成套项目发生损失公司赔偿责超该受损项目属整整套项目保险金额中占例
（五）发生损失保险减少损失采取必措施产生合理费公司予赔偿项费保险财产保险金额限
（六）公司赔偿损失公司出具批单保险金额损失发生日起相应减少退保险金额减少部分保险费保险求恢复原保险金额应约定保险费率加缴恢复部分损失发生日起保险期限终止日止日例计算保险费
（七）保险索赔期限损失发生日起超两年
五保险义务
保险代表应严格履行列义务：
（）投保时保险代表应投保申请书中列明事项公司提出事项作真实详说明描述
（二）保险代表应根保险单明细表批单中规定期缴付保险费
（三）保险期限保险应采取切合理预防措施包括认真考虑付诸实施公司代表提出合理防损建议产生切费均保险承担
（四）发生引起引起保险单项索赔损失时保险代表应：
１．立通知公司七天公司书面意延长期限书面提供事发生原损失程度
２．采取切必措施防止损失进步扩损失减少低程度
３．公司代表检验师进行勘查前保留事现场关实物证
４．根公司求提供作索赔证明文件资料单
六总
（）保单效力
保险严格遵守履行保险单项规定公司保险单项承担赔偿责先决条件
（二）保单效
果保险代表漏报错报虚报隐瞒关保险实质性容保险单效
（三）保单终止
非公司书面意保险单列情况动终止：
１．保险丧失保险利益
２．承保风险扩
保险单终止公司日例退保险保险单项未期部分保险费
（四）保单注销
保险时书面申请注销保险单公司提前十五天通知保险注销保险单保险单已生效期间保险费前者公司短期费率计收者日例计收
（五）权益丧失
果索赔含虚假成分保险代表索赔时采取欺诈手段企图保险单项获取利益损失保险代表意行容致保险丧失保险单项权益产生包括公司已支付赔偿切损失应保险负责赔偿
（六）合理查验
公司代表权适时候保险财产风险情况进行现场查验保险应提供切便利公司求
评估关风险详情资料述查验构成公司保险承诺
（七）重复保险
保险单负责赔偿损失费责时保障相保险存否保险名义投保该保险赔偿否公司仅负责例分摊赔偿责
（八）权益转
保险单项负责损失涉责方时公司否已赔偿保险保险应立采取切必措施行保留该责方索赔权利公司支付赔偿保险应该责方追偿权利转公司移交切必单证协助公司责方追偿
（九）争议处理
保险公司间切关保险争议应通友协商解决果协商成申请仲裁法院提出诉讼事先协议外仲裁诉讼应告方进行
七特条款
列特条款适保险单部分保险单规定相突列特条款准
财产保险单
保险单号码：
鉴保险单明细表中列明保险＿＿＿＿＿＿保险公司（简称公司）提交书面投保申请关资料（该投保申请资料视作保险单效组成部分）公司缴付保险单明细表中列明保险费公司意保险单规定负责赔偿保险单明细表
中列明保险期限保险保险财产遭受损坏灭失特立保险单
＿＿＿＿＿＿保险公司
＿＿＿＿＿＿
授权签字
签发日期：＿＿年＿＿月＿＿日
签发点：
明 细 表
保险单号码：
保险名称址：
二保险财产址：
三营业性质：
四保险项目保险金额
项 目 保险金额
（）保险财产
１．建筑物（包括装修）：
２．机器设备：
３．装置家俱办公设施品：
４．仓储物品：
５．：
（二）附加费
１．清残骸费：
２．灭火费：
３．专业费：
４．费：
总保险金额：
五次事免赔额：
六保险期限：＿＿＿月
＿＿＿年＿＿月＿＿日零时起＿＿＿年＿＿月＿＿日二十四时止
七保险费率：
总保险费：
八付费日期：
九司法辖
保险单受中华民国司法辖
十特条款
财产险保单明细表
＿＿＿＿＿＿保险公司
property insurance clauses
whole doc
i the property insured
the property insured shall refer to all properties and expenses spe
cified in the schedule of this policy
unless specifically agreed upon in writing between the insured and the
company and appraised and valueestablished by professionals or assessors
the following articles and the expenses relevant thereto shall not be
covered under this policy
1 gold silver pearls diamonds precious stones and jades
2 antiques articles of virtue ancient coins ancient books and
ancient paintings
3 works of art or postage stamps
4 advertisements aerials neon pieces of solar energy apparatus
etc on buildings
5 computer system records or its making and copying costs
under no circumstances shall the following articles relevant thereto
be covered hereunder
1 guns ammunition or explosives
2 banknotes securities bills documents files account books or
drawings
3 animals plants and agricultural crops
4 mobile phones portable computers removable photograph apparatus
or other precious articles
5 vehicles licensed for general transport use
ii scope of cover
the company shall indemnify the insured in respect of the physical
loss of or damage to the insured property stated in the schedule during
the period of insurance directly arising from the following perils
1 fire
2 explosion
but not including explosion of a boiler or other pressure relief
devices
3 lightning
4 hurricane typhoon and tornado
5 storm tempest and flood
but not including loss or damage caused by change in normal water
level or inundation from sea water or water escape or leakage from the
normal confines of any natural water course lake or reservoir canal or
dam as well as loss of or damage to the insured property caused by storm
tempest or flood while being stored in the open or covered by or under a
shed thatched with reeds tarpaulins straw asphalt felt plastic or
nylon sheet
6 hailstorm
7 landslide rockslide avalanche
8 volcanic explosion
9 subsidence of ground
but not including loss or damage resulting from pile driving
groundwork or excavation
10 crashing aircraft and parts or articles falling from aircraft and
other flying objects
11 bursting of water tank or pipe
but not including bursting of water tank or pipe due to rust
iii exclusions
this company shall not be liable for
1 loss of or damage to the insured property or expenses caused by
intentional act or gross negligence of the insured or his representative
2 loss of or damage to the insured property caused and expenses
incurred by earthquake or tsunami
3 depreciation loss of market loss of use and other consequential
losses of any description
4 loss of or damage to the insured property or expenses incurred
arising from war warlike operation hostilities armed conflicts
terrorism conspiracy insurrection coup d＇etat strike riot and civil
commotion
5 confiscation requisition destruction or damage by any action or
order of any government de jure or de facto or by any public authorities
6 loss of or damage to insured property directly or indirectly caused
or expenses incurred by nuclear fission nuclear fusion nuclear weapon
nuclear material nuclear radiation and radioactive contamination
7 loss or damage caused and expenses incurred by pollution of any
kind or description whatsoever such as atmosphere land and water
pollutions but this does not include loss or damage caused by pollution
arising from perils specified in article ii the policy
8 the deductibles stated in the schedule to be borne by the insured
9 loss or damage arising from any other perils not listed in article
ii of this policy
iv treatment of claim
1 the company shall at its option indemnify the insured in respect
of loss or damage falling within the scope of cover of the policy by
either
11 paying the amount of the actual value of the property lost or
damaged or
12 paying the necessary cost of repairing or restoring the damaged
property to its nearest condition immediately preceding the damage or
13 repairing or restoring the damaged property to a condition near to
other property of like kind and quality
2 indemnity under this policy shall be based upon the sound market
value of the property prevailing at the time of loss if the sound market
value of the damaged property is lower than the sum insured of such
property the claim shall be settled on its market value if the sound
market value of the property is in excess of the sum insured the company
shall only be liable for such proportion of the claim as the sum insured
of the damaged property bears to its sound market value if the insured
property enumerated in the schedule is more than one item the provision
of this clause shall apply to each thereof
3 if a claim for loss of or damage to the insured item is settled on
a total loss basis the salvage value of such item shall be deducted from
the indemnity payable by the company the company may at its option
decline the abandonment of any damaged property by the insured
4 in the event of loss of or damage to any equipment item insured
forming part of a pair or set the company shall not be liable in respect
of each of such item lost or damaged for more than its proportionate part
of the sum insured on the complete pair or set
5 in the event of any loss occurrence the company shall also pay the
insured for the expenses reasonably incurred for taking necessary measures
to minimize loss or damage to the least extent but in no case shall such
expenses referred hereto exceed the sum insured of the insured property
6 upon settlement of a claim an endorsement shall be issued by the
company to reduce the sum insured corresponding to the property lost or
damaged by the amount so settled from the date of loss and no premium
shall be refunded for the amount so reduced if reinstatement of the sum
insured is required by the insured upon settlement of the claim an
additional premium for the reinstated amount shall be charged at an agreed
rate and be calculated on pro rata daily basis from the date of loss to
the expiry of the insurance
7 the time of validity of a claim under this insurance shall not
exceed a period of two year counting from the date of loss
v insured＇s obligations
the following obligations shall be strictly fulfilled by the insured
and his representative
1 the insured and his representative when applying for insurance
shall make true answers or descriptions to the questions in the proposal
and questionnaire or to any other questions raised by the company
2 the insured and his representative shall pay to the company in due
course the agreed premium in the manner as provided in the schedule and
endorsements
3 during the period of this insurance the insured shall at his own
expense take all reasonable precautions including paying sufficient
attention to and putting into practice the reasonable recommendations of
the company prudently selecting the workmen and employees and complying
with all statutory regulations and safety operation procedures
4 in the event of any occurrence which gives or might give rise to a
claim under this policy the insured or his representative shall
41 notify the company immediately and within seven (7) days or any
further period as may be agreed by the company in writing furnish a
written report to indicate the course probable reason and extent of loss
or damage
42 take all necessary measures to avoid aggravation of the loss or
damage and minimize it to the least extent
43 preserve the spot affected and defective parts before an
inspection is carried out by a representative or surveyor from the
company
44 furnish all such information and documentary evidence as the
company may require for supporting the claim
vi general conditions
1 policy effect
the due observance and fulfilment of the terms and conditions of this
policy in so far as they relate to anything to be done or complied with by
the insured shall be a condition precedent to any liability of the company
under this policy
2 policy voidance
this policy shall be voidable in the event of misrepresentation
misdescription or nondisclosure made by the insured or his representative
in any material particular in respect of this insurance
3 policy termination
unless its continuance be admitted by the company in writing this
policy shall be automatically terminated if
31 the insurable interest of the insured is lost
32 the risk of loss or damage is increased
after termination of the policy the premium shall be refunded to the
insured calculated on pro rata daily basis for the period from the date of
termination to the date of expiry
4 policy cancellation
this policy may be canceled at any time at the request of the insured
in writing or at the option of the company by giving a fifteen (15) days
prior notice to the insured in the former case the company shall retain a
premium calculated on short term rate basis for the time the policy has
been in force while in the latter case such premium shall be calculated on
pro rata daily basis
5 forfeit of benefit
if the claim is in any respect fraudulent or if any fraudulent means
or devices are used by the insured or his representative to obtain any
benefit under this policy or if any loss or damage is occasioned by the
intentional act or in the connivance of the insured or his representative
then in any of these cases all the rights and benefits of the insured
under this policy shall be forfeited and all consequent losses arising
therefrom including the amount of claim paid by the company shall be
indemnified by the insured
6 reasonable inspection
the representative of the company shall at any suitable time be
entitled to attend the site and inspect or examine the risk explosure of
the property insured for this purpose the insured shall provide full
assistance and all details and information required by the company as may
be necessary for the assessment of the risk the above mentioned
inspection or examination shall in no circumstances be held as any
admission to the insured by the company
7 double insurance
should any loss damage expenses or liability recoverable under the
policy be also covered by any other insurance the company shall only be
liable to pay or contribute his proportion of the claim irrespective as to
whether the other insurance is arranged by the insured or others on his
behalf or whether any indemnification is obtainable under such other
insurance
8 subrogation
where a third party shall be held responsible for the loss or damage
covered under this policy the insured shall whether being indemnified by
the company or not take all necessary measures to enforce or reserve the
right of recovery against such third party and upon being indemnified by
the company subrogate to the company all the right of recovery transfer
all necessary documents to and assist the company in pursuing recovery
from the responsible party
9 dispute
all disputes under this insurance arising between the insured and the
company shall be settled through friendly negotiations where the two
parties fail to reach an agreement after negotiations such dispute shall
be submitted to arbitration or to court for legal actions unless
otherwise agreed such arbitration or legal action shall be carried out in
the place where the defendant is domiciled
vii special provisions
the following provisions shall be applied to all parts of this policy
and shall override the other terms and conditions of this policy if any
conflict arises
property insurance policy
policy no
whereas the insured named in the schedule hereto has made to the
______ insurance company (hereinafter called the company) a written
proposal which together with any other statements made by the insured for
the purpose of this policy is deemed to be incorporated herein and has
paid to the company the premium stated in the schedule
now this policy of insurance witnesses that subject to the terms and
conditions contained herein or endorsed hereon the company shall indemnify
the insured for the loss or damage sustained during the period of
insurance stated in the schedule in the manner and to the extent
hereinafter provided
by the ________ insurance company
_________________________ authorised signature
date of issue
place of issue
schedule
policy no
1 name and address of the insured
11 the insured
12 address
2 location of the property insured
3 nature of trade
4 insured items and sums insured
insured items sums insured
41 property insured
411 building(s) (including decoration)
412 machinery and equipment
413 furniture and fixture
(including office equipment and supplies)
414 stock
415 others
42 additional expenses
421 removal of debris fees
422 fire extinguishing expenses
423 professional fees
424 other expenses
total sum insured
5 deductible (any one accident)
6 period of insurance ___ months
from 0000 of _________ to 2400 hours of ______
7 premium rate
total premium
8 date of payment
9 jurisdiction
this policy is governed by law of the people＇s republic of china
10 special provisions
property insurance policy＇s schedule
_________ insurance company
责编辑：陈红
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保险财产
保险财产指保险单明细表中列明财产费
保险特申请公司书面意列物品费专业员公估部门鉴定确定价值作保险财产：
（）金银珠宝钻石玉器
（二）古玩古币古书古画
（三）艺术作品邮票
（四）建筑物广告天线霓虹灯太阳装置等
（五）计算机资料制作复制费
列物品律作保险财产：
（）枪支弹药爆炸物品
（二）现钞价证券票文件档案帐册图纸
（三）动物植物农作物
（四）便携式通讯装置电脑设备相摄器材贵重物品
（五）公交通车辆
二责范围
保险期限保险单明细表中列明保险财产列明风险造成直接物质损坏灭失（简称损失）公司意保险单规定负责赔偿
（）火灾
（二）爆炸包括锅炉爆炸
（三）雷电
（四）飓风台风龙卷风
（五）风暴暴雨洪水
包括正常水位变化海水倒灌水库运河堤坝正常水位线排水渗漏包括风暴暴雨洪水造成存放露天芦席蓬布茅草油毛毡塑料膜尼龙等作罩棚覆盖保险财产损失
（六）冰雹
（七）崩山崩雪崩
（八）火山爆发
（九）面陷沉包括桩作业挖掘作业引起面陷沉
（十）飞机坠毁飞机部件飞行物体坠落
（十）水箱水爆裂包括锈蚀引起水箱水爆裂
三外责
公司列项负责赔偿：
（）保险代表意行重失引起损失费
（二）震海啸引起损失费
（三）贬值丧失市场价值等果损失
（四）战争类似战争行敌行武装突恐怖活动谋反政变罢工暴动民众骚乱引起损失费
（五）政府命令公局没收征销毁毁坏
（六）核裂变核聚变核武器核材料核幅射放射性污染引起损失费
（七）气土水污染种污染引起损失费包括保险单第二条责范围列明风险造成污染引起损失
（八）保险单明细表关条款中规定应保险行负担免赔额
（九）属保险单第二条责范围列明风险引起损失
四赔偿处理
（）果发生保险责范围损失公司选择列方式赔偿：
１．受损财产价值赔偿
２．赔付受损财产基恢复原状修理修复费
３．修理恢复受损财产达类财产基致状况
（二）受损财产赔偿损失时市价计算市价低保险金额时赔偿市价计算市价高保险金额时赔偿保险金额市价例计算保险载项目止项时赔款规定逐项计算
（三）保险项目发生损失公司全部损失赔付残值应赔款中扣公司权接受保险受损财产委付
（四）属成成套项目发生损失公司赔偿责超该受损项目属整整套项目保险金额中占例
（五）发生损失保险减少损失采取必措施产生合理费公司予赔偿项费保险财产保险金额限
（六）公司赔偿损失公司出具批单保险金额损失发生日起相应减少退保险金额减少部分保险费保险求恢复原保险金额应约定保险费率加缴恢复部分损失发生日起保险期限终止日止日例计算保险费
（七）保险索赔期限损失发生日起超两年
五保险义务
保险代表应严格履行列义务：
（）投保时保险代表应投保申请书中列明事项公司提出事项作真实详说明描述
（二）保险代表应根保险单明细表批单中规定期缴付保险费
（三）保险期限保险应采取切合理预防措施包括认真考虑付诸实施公司代表提出合理防损建议产生切费均保险承担
（四）发生引起引起保险单项索赔损失时保险代表应：
１．立通知公司七天公司书面意延长期限书面提供事发生原损失程度
２．采取切必措施防止损失进步扩损失减少低程度
３．公司代表检验师进行勘查前保留事现场关实物证
４．根公司求提供作索赔证明文件资料单
六总
（）保单效力
保险严格遵守履行保险单项规定公司保险单项承担赔偿责先决条件
（二）保单效
果保险代表漏报错报虚报隐瞒关保险实质性容保险单效
（三）保单终止
非公司书面意保险单列情况动终止：
１．保险丧失保险利益
２．承保风险扩
保险单终止公司日例退保险保险单项未期部分保险费
（四）保单注销
保险时书面申请注销保险单公司提前十五天通知保险注销保险单保险单已生效期间保险费前者公司短期费率计收者日例计收
（五）权益丧失
果索赔含虚假成分保险代表索赔时采取欺诈手段企图保险单项获取利益损失保险代表意行容致保险丧失保险单项权益产生包括公司已支付赔偿切损失应保险负责赔偿
（六）合理查验
公司代表权适时候保险财产风险情况进行现场查验保险应提供切便利公司求
评估关风险详情资料述查验构成公司保险承诺
（七）重复保险
保险单负责赔偿损失费责时保障相保险存否保险名义投保该保险赔偿否公司仅负责例分摊赔偿责
（八）权益转
保险单项负责损失涉责方时公司否已赔偿保险保险应立采取切必措施行保留该责方索赔权利公司支付赔偿保险应该责方追偿权利转公司移交切必单证协助公司责方追偿
（九）争议处理
保险公司间切关保险争议应通友协商解决果协商成申请仲裁法院提出诉讼事先协议外仲裁诉讼应告方进行
七特条款
列特条款适保险单部分保险单规定相突列特条款准
财产保险单
保险单号码：
鉴保险单明细表中列明保险＿＿＿＿＿＿保险公司（简称公司）提交书面投保申请关资料（该投保申请资料视作保险单效组成部分）公司缴付保险单明细表中列明保险费公司意保险单规定负责赔偿保险单明细表
中列明保险期限保险保险财产遭受损坏灭失特立保险单
＿＿＿＿＿＿保险公司
＿＿＿＿＿＿
授权签字
签发日期：＿＿年＿＿月＿＿日
签发点：
明 细 表
保险单号码：
保险名称址：
二保险财产址：
三营业性质：
四保险项目保险金额
项 目 保险金额
（）保险财产
１．建筑物（包括装修）：
２．机器设备：
３．装置家俱办公设施品：
４．仓储物品：
５．：
（二）附加费
１．清残骸费：
２．灭火费：
３．专业费：
４．费：
总保险金额：
五次事免赔额：
六保险期限：＿＿＿月
＿＿＿年＿＿月＿＿日零时起＿＿＿年＿＿月＿＿日二十四时止
七保险费率：
总保险费：
八付费日期：
九司法辖
保险单受中华民国司法辖
十特条款
财产险保单明细表
＿＿＿＿＿＿保险公司
property insurance clauses
whole doc
i the property insured
the property insured shall refer to all properties and expenses spe
cified in the schedule of this policy
unless specifically agreed upon in writing between the insured and the
company and appraised and valueestablished by professionals or assessors
the following articles and the expenses relevant thereto shall not be
covered under this policy
1 gold silver pearls diamonds precious stones and jades
2 antiques articles of virtue ancient coins ancient books and
ancient paintings
3 works of art or postage stamps
4 advertisements aerials neon pieces of solar energy apparatus
etc on buildings
5 computer system records or its making and copying costs
under no circumstances shall the following articles relevant thereto
be covered hereunder
1 guns ammunition or explosives
2 banknotes securities bills documents files account books or
drawings
3 animals plants and agricultural crops
4 mobile phones portable computers removable photograph apparatus
or other precious articles
5 vehicles licensed for general transport use
ii scope of cover
the company shall indemnify the insured in respect of the physical
loss of or damage to the insured property stated in the schedule during
the period of insurance directly arising from the following perils
1 fire
2 explosion
but not including explosion of a boiler or other pressure relief
devices
3 lightning
4 hurricane typhoon and tornado
5 storm tempest and flood
but not including loss or damage caused by change in normal water
level or inundation from sea water or water escape or leakage from the
normal confines of any natural water course lake or reservoir canal or
dam as well as loss of or damage to the insured property caused by storm
tempest or flood while being stored in the open or covered by or under a
shed thatched with reeds tarpaulins straw asphalt felt plastic or
nylon sheet
6 hailstorm
7 landslide rockslide avalanche
8 volcanic explosion
9 subsidence of ground
but not including loss or damage resulting from pile driving
groundwork or excavation
10 crashing aircraft and parts or articles falling from aircraft and
other flying objects
11 bursting of water tank or pipe
but not including bursting of water tank or pipe due to rust
iii exclusions
this company shall not be liable for
1 loss of or damage to the insured property or expenses caused by
intentional act or gross negligence of the insured or his representative
2 loss of or damage to the insured property caused and expenses
incurred by earthquake or tsunami
3 depreciation loss of market loss of use and other consequential
losses of any description
4 loss of or damage to the insured property or expenses incurred
arising from war warlike operation hostilities armed conflicts
terrorism conspiracy insurrection coup d＇etat strike riot and civil
commotion
5 confiscation requisition destruction or damage by any action or
order of any government de jure or de facto or by any public authorities
6 loss of or damage to insured property directly or indirectly caused
or expenses incurred by nuclear fission nuclear fusion nuclear weapon
nuclear material nuclear radiation and radioactive contamination
7 loss or damage caused and expenses incurred by pollution of any
kind or description whatsoever such as atmosphere land and water
pollutions but this does not include loss or damage caused by pollution
arising from perils specified in article ii the policy
8 the deductibles stated in the schedule to be borne by the insured
9 loss or damage arising from any other perils not listed in article
ii of this policy
iv treatment of claim
1 the company shall at its option indemnify the insured in respect
of loss or damage falling within the scope of cover of the policy by
either
11 paying the amount of the actual value of the property lost or
damaged or
12 paying the necessary cost of repairing or restoring the damaged
property to its nearest condition immediately preceding the damage or
13 repairing or restoring the damaged property to a condition near to
other property of like kind and quality
2 indemnity under this policy shall be based upon the sound market
value of the property prevailing at the time of loss if the sound market
value of the damaged property is lower than the sum insured of such
property the claim shall be settled on its market value if the sound
market value of the property is in excess of the sum insured the company
shall only be liable for such proportion of the claim as the sum insured
of the damaged property bears to its sound market value if the insured
property enumerated in the schedule is more than one item the provision
of this clause shall apply to each thereof
3 if a claim for loss of or damage to the insured item is settled on
a total loss basis the salvage value of such item shall be deducted from
the indemnity payable by the company the company may at its option
decline the abandonment of any damaged property by the insured
4 in the event of loss of or damage to any equipment item insured
forming part of a pair or set the company shall not be liable in respect
of each of such item lost or damaged for more than its proportionate part
of the sum insured on the complete pair or set
5 in the event of any loss occurrence the company shall also pay the
insured for the expenses reasonably incurred for taking necessary measures
to minimize loss or damage to the least extent but in no case shall such
expenses referred hereto exceed the sum insured of the insured property
6 upon settlement of a claim an endorsement shall be issued by the
company to reduce the sum insured corresponding to the property lost or
damaged by the amount so settled from the date of loss and no premium
shall be refunded for the amount so reduced if reinstatement of the sum
insured is required by the insured upon settlement of the claim an
additional premium for the reinstated amount shall be charged at an agreed
rate and be calculated on pro rata daily basis from the date of loss to
the expiry of the insurance
7 the time of validity of a claim under this insurance shall not
exceed a period of two year counting from the date of loss
v insured＇s obligations
the following obligations shall be strictly fulfilled by the insured
and his representative
1 the insured and his representative when applying for insurance
shall make true answers or descriptions to the questions in the proposal
and questionnaire or to any other questions raised by the company
2 the insured and his representative shall pay to the company in due
course the agreed premium in the manner as provided in the schedule and
endorsements
3 during the period of this insurance the insured shall at his own
expense take all reasonable precautions including paying sufficient
attention to and putting into practice the reasonable recommendations of
the company prudently selecting the workmen and employees and complying
with all statutory regulations and safety operation procedures
4 in the event of any occurrence which gives or might give rise to a
claim under this policy the insured or his representative shall
41 notify the company immediately and within seven (7) days or any
further period as may be agreed by the company in writing furnish a
written report to indicate the course probable reason and extent of loss
or damage
42 take all necessary measures to avoid aggravation of the loss or
damage and minimize it to the least extent
43 preserve the spot affected and defective parts before an
inspection is carried out by a representative or surveyor from the
company
44 furnish all such information and documentary evidence as the
company may require for supporting the claim
vi general conditions
1 policy effect
the due observance and fulfilment of the terms and conditions of this
policy in so far as they relate to anything to be done or complied with by
the insured shall be a condition precedent to any liability of the company
under this policy
2 policy voidance
this policy shall be voidable in the event of misrepresentation
misdescription or nondisclosure made by the insured or his representative
in any material particular in respect of this insurance
3 policy termination
unless its continuance be admitted by the company in writing this
policy shall be automatically terminated if
31 the insurable interest of the insured is lost
32 the risk of loss or damage is increased
after termination of the policy the premium shall be refunded to the
insured calculated on pro rata daily basis for the period from the date of
termination to the date of expiry
4 policy cancellation
this policy may be canceled at any time at the request of the insured
in writing or at the option of the company by giving a fifteen (15) days
prior notice to the insured in the former case the company shall retain a
premium calculated on short term rate basis for the time the policy has
been in force while in the latter case such premium shall be calculated on
pro rata daily basis
5 forfeit of benefit
if the claim is in any respect fraudulent or if any fraudulent means
or devices are used by the insured or his representative to obtain any
benefit under this policy or if any loss or damage is occasioned by the
intentional act or in the connivance of the insured or his representative
then in any of these cases all the rights and benefits of the insured
under this policy shall be forfeited and all consequent losses arising
therefrom including the amount of claim paid by the company shall be
indemnified by the insured
6 reasonable inspection
the representative of the company shall at any suitable time be
entitled to attend the site and inspect or examine the risk explosure of
the property insured for this purpose the insured shall provide full
assistance and all details and information required by the company as may
be necessary for the assessment of the risk the above mentioned
inspection or examination shall in no circumstances be held as any
admission to the insured by the company
7 double insurance
should any loss damage expenses or liability recoverable under the
policy be also covered by any other insurance the company shall only be
liable to pay or contribute his proportion of the claim irrespective as to
whether the other insurance is arranged by the insured or others on his
behalf or whether any indemnification is obtainable under such other
insurance
8 subrogation
where a third party shall be held responsible for the loss or damage
covered under this policy the insured shall whether being indemnified by
the company or not take all necessary measures to enforce or reserve the
right of recovery against such third party and upon being indemnified by
the company subrogate to the company all the right of recovery transfer
all necessary documents to and assist the company in pursuing recovery
from the responsible party
9 dispute
all disputes under this insurance arising between the insured and the
company shall be settled through friendly negotiations where the two
parties fail to reach an agreement after negotiations such dispute shall
be submitted to arbitration or to court for legal actions unless
otherwise agreed such arbitration or legal action shall be carried out in
the place where the defendant is domiciled
vii special provisions
the following provisions shall be applied to all parts of this policy
and shall override the other terms and conditions of this policy if any
conflict arises
property insurance policy
policy no
whereas the insured named in the schedule hereto has made to the
______ insurance company (hereinafter called the company) a written
proposal which together with any other statements made by the insured for
the purpose of this policy is deemed to be incorporated herein and has
paid to the company the premium stated in the schedule
now this policy of insurance witnesses that subject to the terms and
conditions contained herein or endorsed hereon the company shall indemnify
the insured for the loss or damage sustained during the period of
insurance stated in the schedule in the manner and to the extent
hereinafter provided
by the ________ insurance company
_________________________ authorised signature
date of issue
place of issue
schedule
policy no
1 name and address of the insured
11 the insured
12 address
2 location of the property insured
3 nature of trade
4 insured items and sums insured
insured items sums insured
41 property insured
411 building(s) (including decoration)
412 machinery and equipment
413 furniture and fixture
(including office equipment and supplies)
414 stock
415 others
42 additional expenses
421 removal of debris fees
422 fire extinguishing expenses
423 professional fees
424 other expenses
total sum insured
5 deductible (any one accident)
6 period of insurance ___ months
from 0000 of _________ to 2400 hours of ______
7 premium rate
total premium
8 date of payment
9 jurisdiction
this policy is governed by law of the people＇s republic of china
10 special provisions
property insurance policy＇s schedule
_________ insurance company
责编辑：陈红
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