财产保险合同格式(涉外)(附英文)

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}-s!f8t3`0_!c0【题 目】财产保险合同格式(涉外)(附英文)

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thDM,ku:m4mk0【颁布单位】中国环境保护网h/_)^+{? ^

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一、保险财产中国环境保护网3p&w4D)`k+p

M7w!v$q%l"boD0保险财产指在本保险单明细表中列明的财产及费用。

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-r3`$@@'J qO0经被保险人特别申请,并经本公司书面同意,下列物品及费用经专业人员或公估部门鉴定并确定价值后,亦可作为保险财产:

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(一)金银、珠宝、钻石、玉器;中国环境保护网%Ds T1~\[Q#K0? ]L

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(二)古玩、古币、古书、古画;

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(三)艺术作品、邮票;中国环境保护网+R@e-G8`

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(四)建筑物上的广告、天线、霓虹灯、太阳能装置等;

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?A+z7^:B?0(五)计算机资料及其制作、复制费用。中国环境保护网PB"}*wD_/S_[

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下列物品一律不得作为保险财产:

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(一)枪支弹药、爆炸物品;

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emb)_Y-j j0(二)现钞、有价证券、票据、文件、档案、帐册、图纸;

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4P:H.~&qj.N0(三)动物、植物、农作物;

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(四)便携式通讯装置、电脑设备、照相摄像器材及其他贵重物品;

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j'_"a"Yu~0(五)用于公共交通的车辆。

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S3} HKO#mC BS0二、责任范围

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`m2]0c$a9Mm0在本保险期限内,若本保险单明细表中列明的保险财产因以下列明的风险造成的直接物质损坏或灭失(以下简称“损失”),本公司同意按照本保险单的规定负责赔偿。中国环境保护网C1~` hq

7O)C M@z[ `1a$S,_1_0(一)火灾;

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(二)爆炸,但不包括锅炉爆炸;中国环境保护网x&@L(p!EJ:E

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(三)雷电;

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(四)飓风、台风、龙卷风;

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(五)风暴、暴雨、洪水中国环境保护网0a8bb/q-GW!l*i9l

.O1A;R5T.HaJ;_0但不包括正常水位变化、海水倒灌及水库、运河、堤坝在正常水位线以下的排水和渗漏,亦不包括由于风暴、暴雨或洪水造成存放在露天或使用芦席、蓬布、茅草、油毛毡、塑料膜或尼龙等作罩棚或覆盖的保险财产的损失;中国环境保护网0UaR&U |l8u&\V*NZd

*f`U {R h0(六)冰雹;中国环境保护网3[7_f;auCDC7C

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(七)地崩、山崩、雪崩;

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6r'Gz\m0d wWj+{$C0(八)火山爆发;中国环境保护网&c/X P Ob7k0VJ

8~5V-f1N6Cif0(九)地面下陷下沉,但不包括由于打桩、地下作业及挖掘作业引起的地面下陷下沉;中国环境保护网/f4PYf)` ~lSfq

6t1EeP:H/[Q`.N%o y0(十)飞机坠毁、飞机部件或飞行物体坠落;

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z,p,aK*Hn8^?$F:ik0(十一)水箱、水管爆裂,但不包括由于锈蚀引起水箱、水管爆裂。中国环境保护网#Lmb$h*{#Y

3]j z%u D?b0三、除外责任中国环境保护网] y }2q ^,cO.T

^(Vve!E5I L]0本公司对下列各项不负责赔偿:

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!CK6zN$^KuMT0(一)被保险人及其代表的故意行为或重大过失引起的任何损失和费用;中国环境保护网(q6EC5YG0r m

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(二)地震、海啸引起的损失和费用;

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4Yn ZZ.X0(三)贬值、丧失市场或使用价值等其他后果损失;中国环境保护网wnt%L1?6Qn4]Z

w{f T?`-yy0(四)战争、类似战争行为、敌对行为、武装冲突、恐怖活动、谋反、政变、罢工、暴动、民众骚乱引起的损失和费用;

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(五)政府命令或任何公共当局的没收、征用、销毁或毁坏;中国环境保护网^] N2F.b

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(六)核裂变、核聚变、核武器、核材料、核幅射以及放射性污染引起的任何损失和费用;

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Ge}3U$|;Q0(七)大气、土地、水污染及其他各种污染引起的任何损失和费用,但不包括由于本保险单第二条责任范围列明的风险造成的污染引起的损失;

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(八)本保险单明细表或有关条款中规定的应由被保险人自行负担的免赔额;中国环境保护网&oEg2E7KiK4v.B({

E!mk@h7EVjoK@0(九)其他不属于本保险单第二条责任范围列明的风险引起的损失。中国环境保护网6fKFA%XM-q?

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四、赔偿处理

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(一)如果发生本保险责任范围内的损失,本公司选择下列方式赔偿:

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*{7[:[*bc!V:}&n01.按受损财产的价值赔偿;中国环境保护网Q2Z+^e p[

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2.赔付受损财产基本恢复原状的修理、修复费用;

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3.修理、恢复受损财产,使之达到与同类财产基本一致的状况。中国环境保护网x(mi+S"m];L

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(二)受损财产的赔偿按损失当时的市价计算。市价低于保险金额时,赔偿按市价计算;市价高于保险金额时,赔偿按保险金额与市价的比例计算。如本保险所载项目不止一项时,赔款按本规定逐项计算。中国环境保护网,t)_x/nx%w

}*FK(yW;_E ?"I0(三)保险项目发生损失后,如本公司按全部损失赔付,其残值应在赔款中扣除,本公司有权不接受被保险人对受损财产的委付。

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(四)任何属于成对或成套的项目,若发生损失,本公司的赔偿责任不超过该受损项目在所属整对或整套项目的保险金额中所占的比例。中国环境保护网?%Z)F!_$i&S

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(五)发生损失后,被保险人为减少损失而采取必要措施所产生的合理费用,本公司可予以赔偿,但本项费用以保险财产的保险金额为限。中国环境保护网^1^%UC,p)yF

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(六)本公司赔偿损失后,由本公司出具批单将保险金额从损失发生之日起相应减少,并且不退还保险金额减少部分的保险费。如被保险人要求恢复至原保险金额,应按约定的保险费率加缴恢复部分从损失发生之日起至保险期限终止之日止按日比例计算的保险费。中国环境保护网H Sb;U MU

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(七)被保险人的索赔期限,从损失发生之日起,不得超过两年。

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五、被保险人的义务中国环境保护网vkN l5B/bN

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被保险人及其代表应严格履行下列义务:

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t g#mt%_0(一)投保时,被保险人及其代表应对投保申请书中列明的事项以及本公司提出的其他事项作真实、详尽的说明或描述;中国环境保护网%v9t U0^]Z

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(二)被保险人及其代表应根据本保险单明细表和批单中的规定按期缴付保险费;

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(三)在保险期限内,被保险人应采取一切合理的预防措施,包括认真考虑并付诸实施本公司代表提出的合理的防损建议,由此产生的一切费用,均由被保险人承担;中国环境保护网7~3CrN?%KT"xc\

&OJ Z1G(C;U\0(四)在发生引起或可能引起本保险单项下索赔的损失时,被保险人及其代表应:

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$QC;P F){5B)@01.立即通知本公司,并在七天或经本公司书面同意延长的期限内以书面提供事故发生的经过,原因和损失程度;中国环境保护网]u.w&s$ZE5{

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2.采取一切必要措施防止损失的进一步扩大并将损失减少到最低程度;中国环境保护网@U e&[$Q

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3.在本公司的代表或检验师进行勘查之前,保留事故现场及有关实物证据;

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4.根据本公司的要求提供作为索赔依据的所有证明文件、资料和单据。

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六、总则中国环境保护网_9eND#w)ub

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(一)保单效力

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被保险人严格地遵守和履行本保险单的各项规定,是本公司在本保险单项下承担赔偿责任的先决条件。

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(二)保单无效

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如果被保险人或其代表漏报、错报、虚报或隐瞒有关本保险的实质性内容,则本保险单无效。

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(三)保单终止

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除非经本公司书面同意,本保险单将在下列情况下自动终止:

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1.被保险人丧失保险利益;中国环境保护网N0dh(`9@@xSF*X z"W

Msp4WWH02.承保风险扩大。

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2K/O9i)Sw*q]/eN0本保险单终止后,本公司将按日比例退还被保险人本保险单项下未到期部分的保险费。

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(四)保单注销

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被保险人可随时书面申请注销本保险单,本公司亦可提前十五天通知被保险人注销本保险单。对本保险单已生效期间的保险费,前者本公司按短期费率计收,后者按日比例计收。

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{b[D.l1[I0(五)权益丧失中国环境保护网)ip ?"{sx

$Mp!U+U(E5|h A0如果任何索赔含有虚假成分,或被保险人或其代表在索赔时采取欺诈手段企图在本保险单项下获取利益,或任何损失是由被保险人或其代表的故意行为或纵容所致,被保险人将丧失其在本保险单项下的所有权益。对由此产生的包括本公司已支付的赔偿在内的一切损失,应由被保险人负中国环境保护网(yuz&A}\Fj CM

0n,wy-P Y%yQ!Bz0责赔偿。中国环境保护网6}:@H)KiPAN

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(六)合理查验中国环境保护网&xM;w6q]R2h F

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本公司的代表有权在任何适当的时候对保险财产的风险情况进行现场查验。被保险人应提供一切便利及本公司要求的用以评估有关风险的详情和资料。但上述查验并不构成本公司对被保险人的任何承诺。中国环境保护网3]Uz6G6^ PY?

a0x]Z{(p VJ4QF0(七)重复保险

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nCY7`:WEB t{_8}0本保险单负责赔偿损失、费用或责任时,若另有其他保障相同的保险存在,不论是否由被保险人或他人以其名义投保,也不论该保险赔偿与否,本公司仅负责按比例分摊赔偿的责任。

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(八)权益转让

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0c"n'_d3S+|0若本保险单项下负责的损失涉及其他责任方时,不论本公司是否已赔偿被保险人,被保险人应立即采取一切必要的措施行使或保留向该责任方索赔的权利。在本公司支付赔偿后,被保险人应将向该责任方追偿的权利转让给本公司,移交一切必要的单证,并协助本公司向责任方追偿。

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(九)争议处理

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被保险人与本公司之间的一切有关本保险的争议应通过友好协商解决。如果协商不成,可申请仲裁或向法院提出诉讼。除事先另有协议外,仲裁或诉讼应在被告方所在地进行。中国环境保护网T ^s*\So;y

/o(gIh8u]5l0七、特别条款中国环境保护网'W\5l%P6qC#i3R X

i9c,yq5TyX5p;@0下列特别条款适用于本保险单的各个部分,若其与本保险单的其他规定相冲突,则以下列特别条款为准。

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财产保险单

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保险单号码:

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鉴于本保险单明细表中列明的被保险人向______保险公司(以下简称“本公司”)提交书面投保申请和有关资料(该投保申请及资料被视作本保险单的有效组成部分),并向本公司缴付了本保险单明细表中列明的保险费,本公司同意按本保险单的规定负责赔偿在本保险单明细表中国环境保护网g6\&h'KF,aNj

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中列明的保险期限内被保险人的保险财产遭受的损坏或灭失,特立本保险单为凭。

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kxx@&Z#q0______保险公司中国环境保护网^MW4U+OL.kA A A

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______

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U G)`!{5l Y0授权签字

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8C;x7kq2T.l0签发日期:__年__月__日

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签发地点:

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明 细 表中国环境保护网u `:`x Kn9P/e

*fS;D3MJ4S `0保险单号码:

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\M;C4j'eAxJw0一、被保险人名称和地址:中国环境保护网I*NhA8oH;~9a

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二、保险财产地址:

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P qDW*K?0三、营业性质:

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$e@HD9Lu%Hi6t0四、保险项目及保险金额中国环境保护网j[8}0[ i

#yN XT"P0项 目 保险金额

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b2R9IZ.YT}0(一)保险财产中国环境保护网%l8V(v \|0n~v

^W%MTK%I`v01.建筑物(包括装修):中国环境保护网+z$A(DK+^5zZwU{l

中国环境保护网t'aaU.f;N5p

2.机器设备:中国环境保护网8GrAc/q

/p3V*T8Fc&A03.装置、家俱及办公设施或用品:中国环境保护网QC kw%NC0}@Py

U+Up'N2^C04.仓储物品:

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X#\,L#f$CW05.其他:中国环境保护网Y `"Zm,a6}t

5b} {r3ZyV0(二)附加费用

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1.清除残骸费用:

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HbUI3e"rsX02.灭火费用:

'R@c7S4xs-l0

s'i)TN%e}03.专业费用:中国环境保护网o*@ H[:Q

)?,l$s;pe*o#G7\04.其他费用:

$} M'l l D&G6q0

U2^?-mK3pYw:O MY0总保险金额:

$~+{ XP3QY0

L@}%rh0五、每次事故免赔额:

1d Ybquf` `0 中国环境保护网pB-k4v)?j

六、保险期限:共___个月。

sc,O9P;]h0

e R]a,_;Q8u(Sh2K4\0自___年__月__日零时起,至___年__月__日二十四时止。中国环境保护网wf0It j;oF\#o"v u

'O4o8ME3a0七、保险费率:

*LhvB-L0 中国环境保护网Zd-E2At C

总保险费:

/H5kMkH d[%f0

~ ?^3x"K0八、付费日期:

P"jc$S|n0

yBLsc?+A2v |@0九、司法管辖

7Np(jB0re"D/j0

|/uIe b0本保险单受中华人民共和国的司法管辖

b4?u*r*{ mt0

^ V({ e`0k3_x(i&x8K0十、特别条款

4SL2f'D$_ Ky,C$G md [0 中国环境保护网 l @)yq"X;oD&dn

财产险保单明细表

| V9f)K9?0O9oZn9N0 中国环境保护网y(k ZN B"l&mui

______保险公司

2N7QP6eT0

/W TS5M%[S1G3kY0PROPERTY INSURANCE CLAUSES

m9U~"g JI[.X+d0 中国环境保护网4X4U-Xtv:b-a

Whole Doc.

P7O2s F&s"G/DHa0 中国环境保护网7Q)g5z'Pj-L\;M5U

I. THE PROPERTY INSURED中国环境保护网 Y9P6pox;B3@`

中国环境保护网~,Db&bJ x:Q

The property insured shall refer to all properties and expenses spe-

)A%@6MC*^*qOx N:v^0

0H)Z*_'b9Q4G'J8V0cified in the Schedule of this Policy.

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Unless specifically agreed upon in writing between the Insured and the

A#q+oCdq0

-R/_O5}MQj^0Company and appraised and value-established by professionals or assessors,中国环境保护网!r{'^3y#wy&de2~n

中国环境保护网bg??!F _K1TB

the following articles and the expenses relevant thereto shall not be

GA4R\1h4drL@9X#`,D0

tJ%] ja H)W K0covered under this Policy:中国环境保护网2wk"Wf:y

中国环境保护网H O'Y+u4S#LIk`1|

1. gold, silver, pearls, diamonds, precious stones and jades;中国环境保护网w vI;]e+K

中国环境保护网n2u8Q+V"r#h c

2. antiques, articles of virtue, ancient coins, ancient books and

Zs\(o&oh0 中国环境保护网$yC;Ocz8hb

ancient paintings;

*s/gdq)|0 中国环境保护网 {X}sp(YU

3. works of art or postage stamps;中国环境保护网a a\$?^.Nj

%\6O8V$I9WD04. advertisements, aerials, neon, pieces of solar energy apparatus中国环境保护网5bc7Rj.|\4j$lg

中国环境保护网BU0x,Wox

etc. on buildings;

"dJ^*Q-OHv5P:J0

K"X)IHAY%_05. computer system records or its making and copying costs.

c&@o2B5j3seA0

+~}WTS0Under no circumstances shall the following articles relevant thereto中国环境保护网"e:nX!Eo7OG-j

中国环境保护网u8GL-Ao*oI~

be covered hereunder:

0y9c` Z4MVtr0 中国环境保护网D RRN TL;f^

1. guns, ammunition or explosives;中国环境保护网 UP)U8SpZ8^S

中国环境保护网9Y#`6]T-^!qu

2. banknotes, securities, bills, documents, files, account books or中国环境保护网n#o`5f5@D6i[

#b)e-XUUZ0drawings;

h#VV,KK-Z,^z9g0

@ vD-W;v_B03. animals, plants and agricultural crops;中国环境保护网8?!G(k z;e+Pt3]JXG

中国环境保护网IW(o)NU,jP

4. mobile phones, portable computers, removable photograph apparatus

T'W(uK/q`aNr@*T*b0 中国环境保护网)}Z a9U:v r |8d}

or other precious articles;

B*?R`&g]0

m BA0R3C]05. vehicles licensed for general transport use.中国环境保护网})wi8@S(HB#M]

中国环境保护网(p [ tC&H{.rJ,fQ3K

II. SCOPE OF COVER

^K*F+t.R+fjx0 中国环境保护网g9yB w,f ?g u w(N8HgM

The Company shall indemnify the Insured in respect of the physical

s-F jVO4p:yp,i0

9}*^MN\c:j0loss of or damage to the insured property stated in the Schedule during中国环境保护网J#Mq;]b+eTz

中国环境保护网MFuaX+@8W

the period of insurance directly arising from the following perils:中国环境保护网&{/N#vKU

|O;j`\0u01. fire;

7e&GwRo;t x-\M*Z0 中国环境保护网+^i2Qx/[S(d._/RI.E

2. explosion;

T+s"ufLi1r!pil0 中国环境保护网,l}X4o)hF|s

but not including explosion of a boiler or other pressure relief中国环境保护网aG4{` rgxC3_

1P0Vei ]h0devices;

ur$V3V;k;l0 中国环境保护网Y~Rl&n~3K7l

3. lightning;中国环境保护网fSXM vp4I}

%C{(`/@'~04. hurricane, typhoon and tornado;中国环境保护网+@QCqJTw

mF"}*vhwFs-nr05. storm, tempest and flood;

O P;T(g(a/a0

#@1pu,d5iF1RJ!f0but not including loss or damage caused by change in normal water

`)W@seU3eI4M0

w J|x ZO`Gzb!K0level or inundation from sea water or water escape or leakage from the中国环境保护网.K7M%@:MKsdks:Q

z;BD!]:R G0normal confines of any natural water course, lake or reservoir, canal or

7j a(f6C Nc,_'`1c0

P0vw,o%g+f:p0dam as well as loss of or damage to the insured property caused by storm,

4_:Ef](h1t9\)m#E0

&Ar@%B;C4} l0tempest or flood while being stored in the open or covered by or under a

J\G@4gX:\P2X0

.pC&TsMRr0shed thatched with reeds, tarpaulins, straw, asphalt felt, plastic or

u'ZUn4M(J{ Lmr0 中国环境保护网(g.lE i-w3xat!z

nylon sheet;

s#k#Z"t1|+f1Q0 中国环境保护网6^C)YHg&}/|0s }4qb

6. hailstorm;中国环境保护网H&r!O{$g

中国环境保护网.O4d/I2s#X(Tr5?

7. landslide, rockslide, avalanche;

$U&OQk TAx z%\![0

ex"J i};G08. volcanic explosion;

Nsl6gr bQ[0 中国环境保护网~PcM(NW

9. subsidence of ground;中国环境保护网(l*J yi W~(g*OQ

Oz+t+I#`6R0but not including loss or damage resulting from pile driving,

r2@I U`7j0

KE9U+J1g0groundwork or excavation;

,s L[~$F1G@a0 中国环境保护网Sqh5Ua$T$p$s

10. crashing aircraft and parts or articles falling from aircraft and

7Nq#\*TcS0 中国环境保护网~F~~qwN

other flying objects;中国环境保护网,Yby4n&^}5Y3m

(gMg6G8A L.X7s h{W7UI011. bursting of water tank or pipe;中国环境保护网/{)u;F/px7d:k'r'l

*q0l2j#c_Y\~_#m0but not including bursting of water tank or pipe due to rust.中国环境保护网 GsR8YuRS

中国环境保护网 tf,p9a_n yW Z

III. EXCLUSIONS

"eK"F]w@"_0 中国环境保护网"~yPue#u,T9rmtST

This Company shall not be liable for:

/h!jO$uN-JaU0 中国环境保护网~p)f)h-YM,b8Yq

1. loss of or damage to the insured property or expenses caused by中国环境保护网 ~!L7@ c)\]w+C

!}h'G(T kU0intentional act or gross negligence of the Insured or his representative;

P jG4_7Y0fQ]0 中国环境保护网(T!Ouc3|K9{(T8r

2. loss of or damage to the insured property caused and expenses

C7Uwy;\0 中国环境保护网%J.IZ7V a4{#C

incurred by earthquake or tsunami;

Il+MgQ0r{4Y0

5H7V-|u.LecmVZ03. depreciation, loss of market, loss of use and other consequential

R{E_3t]O~P'N PkH0 中国环境保护网5O,q:qp6OX*R2w;f

losses of any description;

0GkDV!~0J n-}0i0

Na6u.P,R{*g? i04. loss of or damage to the insured property or expenses incurred

aF W~CJ0

1w8lbXq0arising from war, warlike operation, hostilities, armed conflicts,中国环境保护网I?ag~V L

中国环境保护网(G/\}$Y,eM\(S h;R

terrorism, conspiracy insurrection, coup detat, strike, riot, and civil

LBvm7FM0

*G0{i0}qu|0commotion;

Kj`6_|P0

H0h xE+Cy05. confiscation, requisition, destruction or damage by any action or中国环境保护网)w tP7_!} m!h

中国环境保护网\)w&R8e)Q;A

order of any government de jure or de facto or by any public authorities;中国环境保护网|0^I B.c

中国环境保护网J"v4RVY#F

6. loss of or damage to insured property directly or indirectly caused中国环境保护网#@n]By q~

1Y5^^vA3w0or expenses incurred by nuclear fission, nuclear fusion, nuclear weapon,

\R.zbK;c,r8C2X0 中国环境保护网'Or&f+cK _q

nuclear material, nuclear radiation and radioactive contamination;中国环境保护网kh!H[ H1f.mk{"z%}0g

.S vC8QO)C G!|2r8L J07. loss or damage caused and expenses incurred by pollution of any中国环境保护网F-?K?bQ

中国环境保护网$D(X(} smZ QH8I

kind or description whatsoever such as atmosphere, land and water

e!x^;eZ^ O0 中国环境保护网 K m@&b ]$`4\7Uh)w

pollutions but this does not include loss or damage caused by pollution中国环境保护网u5x)~IZy

ik`b,le*^ N0arising from PERILS specified in Article II the Policy;中国环境保护网m_(YE8s9s?

中国环境保护网 Zi E*_0P(\^n#v

8. the deductibles stated in the Schedule to be borne by the Insured;中国环境保护网N,O}+h^

@k7v jhp09. loss or damage arising from any other perils not listed in Article中国环境保护网,nI!e%j C1vR _^BK

u7[g EV)]9?d eooY]0II of this Policy.

T!_0z6Z }M-U[7_0 中国环境保护网+b XWm}`

IV. TREATMENT OF CLAIM中国环境保护网oq5t'C!s B,K{9g|0W

中国环境保护网w'c5v O"GI'n

1. The Company shall at its option, indemnify the Insured in respect

,SY!M8an,k0

#FEM8swk%b"\0of loss or damage falling within the Scope of Cover of the Policy by

6H$g"Ax0Ypo0

{On t]5M7RQGR0either:

8IhMP-e6YBC"E0

1S$RQz_:z kz!J01.1 paying the amount of the actual value of the property lost or

+gOg9lpi6Kh0 中国环境保护网&f*`nta r8N

damaged or;中国环境保护网UtO g8|

中国环境保护网 w5t!H#Y Ku%}

1.2 paying the necessary cost of repairing or restoring the damaged

b?q,x;{m.R^#hb8F0

v(A#j5a:lA"A0property to its nearest condition immediately preceding the damage or;中国环境保护网 JHO!FUY v)c?6W

9?Pqu3O'SG01.3 repairing or restoring the damaged property to a condition near to中国环境保护网i$L'EuR

中国环境保护网QH6BI,f.p5k9y

other property of like kind and quality.

sj+iCjJ0 中国环境保护网0l8I|]?R@^

2. Indemnity under this Policy shall be based upon the sound market

Q0@0]~A0 中国环境保护网R,Ms4Z%XXEWn

value of the property prevailing at the time of loss. If the sound market

E"nm]zpg is0 中国环境保护网W0F'rBv"h {:P

value of the damaged property is lower than the sum insured of such中国环境保护网)i[Ee pX

F*j%E:T;K5fy@'NjH0property, the claim shall be settled on its market value; If the sound中国环境保护网^+O/a[ ^&q2Z }.F

中国环境保护网[ X7ez/n1g9VL

market value of the property is in excess of the sum insured, the Company中国环境保护网U^;k+e*^4|

1UQ*R h[lhall only be liable for such proportion of the claim as the sum insured

R5o8JN-O0Qi.J*]0

,AeE5] @9l0of the damaged property bears to its sound market value. If the insured中国环境保护网"r?N$h!`*P

SKdeI G0property enumerated in the Schedule is more than one item, the provision中国环境保护网-d;qyqz

中国环境保护网h1^F)QS

of this clause shall apply to each thereof.中国环境保护网\ KxGVG.is U

'J$MD)X ^Qf03. If a claim for loss of or damage to the insured item is settled on

UXWp J;yPr?0 中国环境保护网7l#fT UR RqJa

a total loss basis, the salvage value of such item shall be deducted from

tgr4GzL B @kC0

9H} t${G ?@0the indemnity payable by the Company. The Company may, at its option,

hy9M4H`*d0

.Cl] GS-Ss(BU tz0decline the abandonment of any damaged property by the Insured.中国环境保护网wP{/{V3TG

中国环境保护网oGlO1BwL

4. In the event of loss of or damage to any equipment item insured中国环境保护网6e0x5T.{B

中国环境保护网%td(` Nq%d

forming part of a pair or set, the Company shall not be liable in respect中国环境保护网"M;F/j%DU[7M"_v/@

R#`-?6^l+qk0of each of such item lost or damaged for more than its proportionate part中国环境保护网-]5y/F:p7Y o

中国环境保护网+?.n_'Rjb)n

of the sum insured on the complete pair or set.中国环境保护网/|lx#poX6]\G

中国环境保护网T |r@,se1PA

5. In the event of any loss occurrence, the Company shall also pay the中国环境保护网r?/Q%]u[&S3a

中国环境保护网(z'D7@w4y3[2b(m

Insured for the expenses reasonably incurred for taking necessary measures

u4V\!I0D d0

USuT8q0to minimize loss or damage to the least extent, but in no case shall such

}8fI6y)u$t0 中国环境保护网0Y4jia V~Y^A

expenses referred hereto exceed the sum insured of the insured property.中国环境保护网 n8lesmW-o;y

中国环境保护网!VRZ{ Fg.E,h C

6. Upon settlement of a claim, an endorsement shall be issued by the中国环境保护网/K:uh"t \g I

,pU7a.XK"]8g0Company to reduce the sum insured corresponding to the property lost or中国环境保护网-\Ph[2@a*L S

8WR@|_a!H0damaged by the amount so settled from the date of loss, and no premium中国环境保护网lPX_7\

中国环境保护网?E'Nu-i|$HQp

shall be refunded for the amount so reduced. If reinstatement of the sum中国环境保护网.z~nA]rr9jSMP

中国环境保护网A\~/]b-f2e [5C

insured is required by the Insured upon settlement of the claim, an

RA(iraT0

!q;O+V8JCfW@I0additional premium for the reinstated amount shall be charged at an agreed

OJ+j-M@V'nb)B6c0

#u%XU lg0rate, and be calculated on pro rata daily basis from the date of loss to中国环境保护网EQ0m4ZFN}

5Z4O k c-@h#j0the expiry of the insurance.

o(]E"t,q*@pM7X0 中国环境保护网3N#w)?%hJ.@'H9QV

7. The time of validity of a claim under this insurance shall not中国环境保护网h*n5}4K9A6Ian

]n#PK\9jg Ahh,C0exceed a period of two year counting from the date of loss.

0_ A WlcE B+S/x0

V4g'O'S$O5bi*ND~U0V. INSUREDS OBLIGATIONS

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The following Obligations shall be strictly fulfilled by the Insured

&T3i8E"[ R3E0 中国环境保护网nx0j2sa%kj(Au

and his representative:

$h]F`HP0 中国环境保护网+C3o*v5_]B

1. The Insured and his representative, when applying for insurance中国环境保护网q3D|G;|'G

Lqg;P_0shall make true answers or descriptions to the questions in the Proposal中国环境保护网p^.]:V:qQz

SP+~5[FR0iC+S\p0and Questionnaire or to any other questions raised by the Company.中国环境保护网C4v-p%Mi@

中国环境保护网T R9]f3r$F%J:z2W&[3`

2. The Insured and his representative shall pay to the Company in due中国环境保护网l6{ T OY

;@Cc ]ic0course the agreed premium in the manner as provided in the Schedule and中国环境保护网:e2@zJ)xQ D)]LCg

中国环境保护网j#p)NW[~

Endorsements.中国环境保护网ZY.R{8_HwFW

ml#K'JylM03. During the period of this insurance, the Insured shall at his own

ba.U:S+I]0

+_g'`%b.Q b1E4ZX i{0expense take all reasonable precautions, including paying sufficient中国环境保护网cC!m;l La

B R&h.pN0attention to and putting into practice the reasonable recommendations of中国环境保护网Yi*Y'S"z+N(C$j G

r1\Xs"j$~$pi?0the Company, prudently selecting the workmen and employees and complying中国环境保护网5`/s;H:s5V;rE;k

\D'D*es$w:e'g#^0with all statutory regulations and safety operation procedures.

z2k"p#]X#r(}d2_8u0 中国环境保护网T1iP7k4z0]t$E ~)nAy

4. In the event of any occurrence which gives or might give rise to a中国环境保护网%a_)] k+r-OhMw

中国环境保护网;[dS!r7I+Q.PH/H

claim under this Policy, the Insured or his representative shall:中国环境保护网8P-S*H H"`){e

n]$mI7Z04.1 notify the Company immediately and within seven (7) days or any中国环境保护网(i BC,S^]o

-u v!C5|cb)n;o0further period as may be agreed by the Company in writing, furnish a中国环境保护网gC6`"F&]z

中国环境保护网xZ$}#oRV

written report to indicate the course, probable reason and extent of loss

Z:R)R^G }tf3c2R0 中国环境保护网By6Pf1E

or damage;中国环境保护网2`f"Do1I

中国环境保护网)LQ$I.\wo*w]

4.2 take all necessary measures to avoid aggravation of the loss or中国环境保护网x-{2q~#@hM

中国环境保护网 y8F-X }0^E

damage and minimize it to the least extent;中国环境保护网;EPv$f$B0P

1^l^A B0U]04.3 preserve the spot affected and defective parts before an中国环境保护网 V8Ubq0e

中国环境保护网1X f`4MYdppr6@7o0~

inspection is carried out by a representative or surveyor from the

qjC|.];WM0

v/aF,Lw/\4j0Company;

"{,e`4Z#k3x0

D]!lYJe04.4 furnish all such information and documentary evidence as the

/uAjuxrNw0 中国环境保护网%yAU1u,h

Company may require for supporting the claim.中国环境保护网B;r_'T#r`J

中国环境保护网c:]mb&j[

VI. GENERAL CONDITIONS

$|/nV%\1@9Gn0

_"N\;G)W)r.}01. Policy Effect

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G$AM6rB@8PL.j:dO0The due observance and fulfilment of the terms and conditions of this中国环境保护网's@"KI `'rP`

0@KQ:^/H V7mb$c ~0Policy in so far as they relate to anything to be done or complied with by

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the Insured shall be a condition precedent to any liability of the Company

!_B3}p3Q&R%rCI0

({J h7w+`0under this Policy.中国环境保护网:LD3gO-V&vj0Q3KA

中国环境保护网4N2U"k B$b{8},x1Xo

2. Policy Voidance中国环境保护网"d+h*\l0SR Ma9_$e O@*{

7\slv.W {0This Policy shall be voidable in the event of misrepresentation,

9g7Dz u,M%n0

3wcq?7~R!_{ |F0misdescription or non-disclosure made by the Insured or his representative

7h&Q`V6E#X&R/b ^#D0 中国环境保护网6QUmY3Zu&^ d

in any material particular in respect of this insurance.

5Ziv!_8L7O:X0

K W+\ {u'uM^03. Policy Termination

K6NypE,{7G0 中国环境保护网Rf_w_z

Unless its continuance be admitted by the Company in writing, this

$D(L/a4{/nn)o.`0 中国环境保护网$ecL4h ]u!I

Policy shall be automatically terminated if:中国环境保护网/cA:qYYm_7G

中国环境保护网#Xn3A7j%W N Y7}

3.1 the insurable interest of the Insured is lost;

}Z`c5w,|0k(PN0

geH]2FT0c03.2 the risk of loss or damage is increased.中国环境保护网H&yD7c;O,xVO

m/pz!I.uGf0After termination of the Policy, the premium shall be refunded to the中国环境保护网w4V%g:CN

j)} x2DIawy0Insured calculated on pro rata daily basis for the period from the date of

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0q:j4L$Pi1Df0termination to the date of expiry.中国环境保护网 yqO1q8D(A3H_"@8J5N

`xx'f:d2j!U(O04. Policy Cancellation

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This Policy may be canceled at any time at the request of the Insured

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&Tj{,hIOw0in writing or at the option of the Company by giving a fifteen (15) days

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6k1~7zn(x0prior notice to the Insured. In the former case the Company shall retain a中国环境保护网Ig?y?J

@f)@3ZVI;z S4h0premium calculated on short term rate basis for the time the Policy has中国环境保护网;n]5I y {|Ct$R

PF1f? ?&Aw0been in force while in the latter case such premium shall be calculated on

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pro rata daily basis.

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~O9L{`(u8o(C05. Forfeit of Benefit中国环境保护网2EP6` K(KV*P9f_

中国环境保护网,h-G3Z|"x?

If the claim is in any respect fraudulent, or if any fraudulent means

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or devices are used by the Insured or his representative to obtain any中国环境保护网#g.[9z j O:E;Q;z0A4@

S y#Si-Le:DK0benefit under this Policy or if any loss or damage is occasioned by the

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intentional act or in the connivance of the Insured or his representative,

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then in any of these cases, all the rights and benefits of the Insured中国环境保护网/V:sYpk0W-WC

中国环境保护网M B}.?\7K-\

under this Policy shall be forfeited, and all consequent losses arising中国环境保护网 zi7}Mzh

6gfp"Of u}1?5r;k0therefrom including the amount of claim paid by the Company shall be

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9ZKU4K[}@ ]0indemnified by the Insured.

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6. Reasonable Inspection中国环境保护网a4[M*j#u+l

5s v@,yPD&TI#Ue*[&|&_0The representative of the Company shall at any suitable time be

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4Vl I7Jaau1\0entitled to attend the site and inspect or examine the risk explosure of中国环境保护网*_G1\d%Nx

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the property insured. For this purpose, the Insured shall provide full

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assistance and all details and information required by the Company as may

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N,f"?7Qf,f TV0be necessary for the assessment of the risk. The above mentioned中国环境保护网._ | [`/ET"G]

D2eOv'qn"FS l0inspection or examination shall in no circumstances be held as any

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admission to the Insured by the Company.

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yXY eD}R[07. Double Insurance中国环境保护网0~ E"o*K!g~

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Should any loss, damage, expenses or liability recoverable under the

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Policy be also covered by any other insurance, the Company shall only be中国环境保护网m7L |9C0^}w3m

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liable to pay or contribute his proportion of the claim irrespective as to

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whether the other insurance is arranged by the Insured or others on his中国环境保护网"~/nx[5lm0xE%B1i

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behalf, or whether any indemnification is obtainable under such other中国环境保护网l%D[.v8z7a*a

中国环境保护网ja@ qby

insurance.

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8. Subrogation中国环境保护网%W`k(t8bx;\-H ]9|

EGzd"_4wy6y$p!T0Where a third party shall be held responsible for the loss or damage中国环境保护网'U9B5Q eBf P_ R

9qs`N"ycn)x0covered under this Policy, the Insured shall, whether being indemnified by

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the Company or not, take all necessary measures to enforce or reserve the中国环境保护网"e@ d~b*Iv!m

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right of recovery against such third party, and upon being indemnified by

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D[{#G ktx0the Company, subrogate to the Company all the right of recovery, transfer

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L"}1n*k0dh8?F2d@0all necessary documents to and assist the Company in pursuing recovery

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N d*f!UBp%\&S0from the responsible party.

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ZDhz HV L09. Dispute

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All disputes under this insurance arising between the Insured and the中国环境保护网5c&}[&sc#a

中国环境保护网 ~A(@r,Zl

Company shall be settled through friendly negotiations. Where the two

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parties fail to reach an agreement after negotiations, such dispute shall

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be submitted to arbitration or to court for legal actions. Unless中国环境保护网-O,R2},UEsq/U[

KS$k0W m*ZuLp%e3Y0otherwise agreed, such arbitration or legal action shall be carried out in中国环境保护网wl)rZ S!I

,t"FCU#c|0the place where the defendant is domiciled.

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f@Yu8}4WM7|8|0VII. SPECIAL PROVISIONS中国环境保护网(TfAru U4ZMG

d#U}9~S]"v0The following provisions shall be applied to all parts of this Policy

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3t @.HcZb%l ?0and shall override the other terms and conditions of this Policy if any

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conflict arises.中国环境保护网'\2C }&F1YW(^

Z ^~ y7i km0PROPERTY INSURANCE POLICY中国环境保护网0[/Q~QO b/TXWv

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Policy No.:

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3k%J UHj!T0WHEREAS THE INSURED named in the Schedule hereto has made to the

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______ Insurance Company (hereinafter called ""the Company"") a written

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Proposal which together with any other statements made by the insured for

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the purpose of this Policy is deemed to be incorporated herein and has中国环境保护网8[\f e1n1x

4W8b+Zya4k`Yiv0paid to the Company the premium stated in the Schedule.

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NOW THIS POLICY OF INSURANCE WITNESSES that subject to the terms and

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h!n,as nf0conditions contained herein or endorsed hereon the Company shall indemnify

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k \yqD0O(f0the insured for the loss or damage sustained during the period of中国环境保护网,|g/E`0y7uO

中国环境保护网/OgAs^X

insurance stated in the Schedule in the manner and to the extent

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*w,e8P/mNM0hereinafter provided.中国环境保护网S c@nn I+H,D#R

hI!sXfg0By the ________ Insurance Company中国环境保护网 ]4C w:m'X$|-W bk"I{

中国环境保护网a%d:A'GL

_________________________ Authorised Signature

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Date of Issue:中国环境保护网!`Nn`}2Z.t{ g

中国环境保护网hy)U }:\i

Place of Issue:

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&I^ K b3A#u L3h*I!S0SCHEDULE中国环境保护网Hi!ds n$n L

中国环境保护网X,J9K*Q&A*q

Policy No.:中国环境保护网D#\sL@!]-Pa;O

中国环境保护网 a7p7G^x$jh7o:P

1. Name and Address of the Insured

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1.1 The Insured:中国环境保护网b}6Um%v+n

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1.2 Address:中国环境保护网M+S4v W)VR

.J$Md%O uIA2gxF02. Location of the Property Insured:中国环境保护网j ?r @ R7B

E6q1G2a\S7e03. Nature of Trade:中国环境保护网 K"Uj J@*A[

中国环境保护网-lH5ciUii9I)h6\

4. Insured Items and Sums Insured:

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Insured Items Sums Insured中国环境保护网 K%]{:_j4A*yoWs`,?

中国环境保护网ZGH#Zg.V

4.1 Property Insured

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4.1.1 Building(s) (including decoration):中国环境保护网#y)z z$kT F/V

Yn/pjm*v\.n04.1.2 Machinery and Equipment:中国环境保护网vGC+_M Ay Lg

%N`}-K#}*B$_04.1.3 Furniture and Fixture:

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(including office equipment and supplies)中国环境保护网5c.hkf2F'f

(HlNf$Qj-Rj"|04.1.4 Stock:

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4.1.5 Others:

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Kt8k:R)y04.2 Additional Expenses:中国环境保护网4I/{3j-[ @

i3|*S%N \z2K:\m}04.2.1 Removal of Debris fees:

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,E;fB7j T6SQ"}04.2.2 Fire Extinguishing Expenses:

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4.2.3 Professional Fees:中国环境保护网am*m!z2j5y

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4.2.4 Other Expenses:

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Total Sum Insured:中国环境保护网*H.tq$Z:?

中国环境保护网\ ]U;i+N"U Q1X!E

5. Deductible (any one accident):中国环境保护网2c&e&pmQ

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6. Period of Insurance: ___ months.

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from 00:00 of _________ to 24:00 hours of ______中国环境保护网0hDE[Rk8J

中国环境保护网fp(K%P1X cA'h

7. Premium Rate:

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Total Premium:

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8. Date of Payment:中国环境保护网KYxf&S*P

7hjcn#I%A Q5R09. Jurisdiction:中国环境保护网"jt/z,_ _`G dhDP

中国环境保护网\,J5w&l"Fm

This Policy is governed by law of the Peoples Republic of China.

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(Gj}3Zq\|d W010. Special Provisions:

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PROPERTY INSURANCE POLICYS SCHEDULE中国环境保护网6IoGQ(k@ j1qC

Dip2Y5Sj+_r8~0_________ Insurance Company

T j[o1K7Q:f? H0
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