财产保险合同格式(涉外)(附英文)

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Hk S'H*w0a(oK0【题 目】财产保险合同格式(涉外)(附英文)

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X8k*T0r)u:os8o0【颁布单位】

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0^ Yy5s0ev0一、保险财产

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2op7Wllhfm8A`0保险财产指在本保险单明细表中列明的财产及费用。中国环境保护网%gEJ-\ |5Xm*O j

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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:中国环境保护网4UiP3|bw]+`(e'Y

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(一)金银、珠宝、钻石、玉器;

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(二)古玩、古币、古书、古画;

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(三)艺术作品、邮票;

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(四)建筑物上的广告、天线、霓虹灯、太阳能装置等;

8T4V9pe,R7RN5Gv0 中国环境保护网 q&_L/e#E_Ym7{Z V

(五)计算机资料及其制作、复制费用。中国环境保护网jU.J+}@j[

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下列物品一律不得作为保险财产:

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P-D pB;m*Tx-w'|0(一)枪支弹药、爆炸物品;

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;I"K)P+e"{ mnXJ&pZ0(二)现钞、有价证券、票据、文件、档案、帐册、图纸;

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}jFo0x([JO0(三)动物、植物、农作物;中国环境保护网,j0{u!J&S Q&C

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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)Ea;]Mya~W0(五)用于公共交通的车辆。中国环境保护网 M"t6m#ul:~B9H$A&u

k)~m f)X/c?,qQ8l0二、责任范围中国环境保护网4b6NS\ YA

8od6J:I6o0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。

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c,[5n X0xE0(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4Q m}:H/a]m#u

uEy){m&m0(三)雷电;中国环境保护网 O5P(t ]x"x\O.]

q*r.IJR/lGy0(四)飓风、台风、龙卷风;中国环境保护网8J9v q%{4c%E+U-a;j

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(五)风暴、暴雨、洪水中国环境保护网O7Y"n0g;g

x7N3o)_?WSl$w8|9c9T0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\V6z[sn/E.W"?%h:Ju

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(六)冰雹;

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"dO2\Xj&^M!`0(七)地崩、山崩、雪崩;

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2|h5I.T/Xyf8`~0(八)火山爆发;中国环境保护网G%{"P8T8r(Wr

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(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;

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'B8A?:cRGQb0(十)飞机坠毁、飞机部件或飞行物体坠落;中国环境保护网 uc] h pl

k*nV5jlOhci\$p0(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s!~*q5Qe

5l%P(v(KgA.GIL,F0三、除外责任中国环境保护网"R~}"`f8{

A`/t {3Q1sB0本公司对下列各项不负责赔偿:中国环境保护网 H0Pr*[JA_EI;D

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(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kh _ J Pe lM7pa

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(二)地震、海啸引起的损失和费用;中国环境保护网Py;|a+f&xc[w3wj

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(三)贬值、丧失市场或使用价值等其他后果损失;

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(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;中国环境保护网P pb;ZCqI#G`]8x

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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G i%Z#b;c/k9V^

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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;中国环境保护网V'H NhEXTC

P%``m!O;^!f$YF0(七)大气、土地、水污染及其他各种污染引起的任何损失和费用,但不包括由于本保险单第二条责任范围列明的风险造成的污染引起的损失;中国环境保护网 |N O'Po1y|$k+Rl

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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9F]_l3A

_LupB4Y$V{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。

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四、赔偿处理中国环境保护网5}p |bU^#D

?*C7Y3x&QO,h0(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:中国环境保护网 \EySm JZ

gX,Y9RqV8?01.按受损财产的价值赔偿;中国环境保护网D[9wE!{G

9]U%H9X7E o02.赔付受损财产基本恢复原状的修理、修复费用;中国环境保护网k2G,?1SO0Gc%dn

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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。

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$g_cB2U/S d0(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。

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(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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;DV5x4x d|0(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。

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J)uL,qW tP&A0(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。

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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*O(_.f ],bT,HW.t

U(W}8W|!~$uV B0(七)被保险人的索赔期限,从损失发生之日起,不得超过两年。中国环境保护网5L BLmOT7l,p

a1a'@D)~0五、被保险人的义务中国环境保护网j Vv C$~a

s}:~&U1KY/O0被保险人及其代表应严格履行下列义务:中国环境保护网p3w5J3F1x p

R\v S$h2oQQh)?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5g C \%g? H{|

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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K1o"l;c K

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(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:中国环境保护网rVW_"F!af

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1.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;

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n?{ _0X]%K#E8J{y02.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;

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)?0v4c wS03.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;中国环境保护网&K6rXHI

*XO} WX;t04.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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&NuE0yE+e{0六、总则

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\dJrR1wy/Z0(一)保单效力中国环境保护网@(Zd"p3vA

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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。中国环境保护网)Qj I3@f7J:D

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(二)保单无效中国环境保护网0x'do%o Bwp)~h

v$M:q} nW RBp A0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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9C,DG_ N Oz T_0(三)保单终止中国环境保护网:iax J+u

ve~{~$Fls^8wr0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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Oe!K or01.被保险人丧失保险利益;中国环境保护网bL2n s'M9e `{3k

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2.承保风险扩大。

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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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/Y`&?,J%OHFq [ Q0(四)保单注销中国环境保护网2X*tPF `XI3sEt+K

7SvJn N9qB0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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(五)权益丧失中国环境保护网:R g z;b9c3l5p

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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\4}3o P9C ds9YV

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责赔偿。

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(六)合理查验中国环境保护网;B1QC'l aJ8p

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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V1@ gWW

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(七)重复保险中国环境保护网W}8fs;ir)n

sR e8OU0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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D,yW#h}x)^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。中国环境保护网 xG!Z @a:IB.v(V9w9e

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(九)争议处理中国环境保护网}+`*s-t.}d6A,n

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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]0DQ!@ HHBEg_E

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七、特别条款中国环境保护网&h"|5}-u5q

3S4z{ \@M:?n0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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4\^l Fv*lK0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

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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。中国环境保护网,j{W4z7T;U1F5Y4r'a

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______保险公司中国环境保护网)N4gs@gm

H| u8b2}'|0______

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\ l hc`*v'y0授权签字中国环境保护网oO*E?|ja)F-U

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签发日期:__年__月__日中国环境保护网T*@)f:rDC.T?

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签发地点:

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0?(K/_7ZZUuE0明 细 表

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"Qa l*@ u'G!}N C0保险单号码:

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FQ:f%BT T5}_0一、被保险人名称和地址:中国环境保护网E0\!m)[P4k*V

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二、保险财产地址:

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3WS3RXn{0三、营业性质:中国环境保护网0OBl*Ed/RU9V|

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四、保险项目及保险金额中国环境保护网e$a#T2GNz II

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项 目 保险金额中国环境保护网7D+M0Xz:X2]'g9`

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(一)保险财产中国环境保护网L-s'`j/z.x

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1.建筑物(包括装修):中国环境保护网u3VPs2xui0p5T

Z~u fj02.机器设备:中国环境保护网 Dd ^Eu(H

中国环境保护网 |do[zU1r

3.装置、家俱及办公设施或用品:中国环境保护网-PgDv4Y:k4g c

+l {7]PvL^p04.仓储物品:中国环境保护网2x9y$K.|`~

中国环境保护网w4m };h9Zl$_ [

5.其他:中国环境保护网THI8C8w(l z%q v c

O(t I0_r sD4h0(二)附加费用

K2Ei CL)v3Z6C0 中国环境保护网'X ^4cB)g @m5Y

1.清除残骸费用:

jxB(c uZ0

R!_ui xcZ[02.灭火费用:中国环境保护网!t xh:L[J4Rq0n

中国环境保护网rT]J8H

3.专业费用:

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B#uP,D1Arj b04.其他费用:

)`B-H4E/OKP'T j0 中国环境保护网"\c$h(Z"MT3o`m

总保险金额:中国环境保护网M"]}8w4] t;M0i

+]|6a%A-s~U:o0五、每次事故免赔额:中国环境保护网L,gd0mP7G

K0D9[%E c3@~{ f-R*Ia0六、保险期限:共___个月。中国环境保护网 qVBHk$V4XdG

中国环境保护网@{ c3|MG U

自___年__月__日零时起,至___年__月__日二十四时止。

c,c(Ml3\VqK3Z0 中国环境保护网R.cYx/tZ%t3?'m2fb:i

七、保险费率:中国环境保护网g iEK%ME*b

BG]A*c ]X(_ IN0总保险费:

'V2Z+l;gZ'k Cz Z0 中国环境保护网 rR)z|t

八、付费日期:中国环境保护网G!w#PCQ x7?

/Ou"Y%D'b)RW0九、司法管辖

MTZ:_%csSU0 中国环境保护网l }1c6dq

本保险单受中华人民共和国的司法管辖

;w@4n P&E2E @0

#W!W0B#IR5L;V:{.IW ~0十、特别条款中国环境保护网$Y f+T%P3ea!F4C^ D

中国环境保护网/\(r(D'}1S$h,P

财产险保单明细表

.VpJ/]"B3? f(r k5S0

-Z `#|q3wv0______保险公司中国环境保护网#W/M2X Qm J5z:Bz6QP~

6V9{(j,V4}m%P5kB0PROPERTY INSURANCE CLAUSES中国环境保护网_"N6TFC;w(F9T

中国环境保护网9u+L$U$Zx

Whole Doc.中国环境保护网 A f5q+m_O y

中国环境保护网U@%xi4_

I. THE PROPERTY INSURED中国环境保护网qcNKP?(@?

hv.}.v@ ^ u0The property insured shall refer to all properties and expenses spe-

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c hNcT0cified in the Schedule of this Policy.中国环境保护网/JJ \5F;Y?

/Z R\0c}5o0Unless specifically agreed upon in writing between the Insured and the中国环境保护网GI'Lb~B p

中国环境保护网iL+G,i D`'s![

Company and appraised and value-established by professionals or assessors,中国环境保护网%@@.@;g~Y

中国环境保护网Y*w6eb5}

the following articles and the expenses relevant thereto shall not be

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Rz/sahr PQ0covered under this Policy:中国环境保护网&|z3XsU w/L

中国环境保护网ZKx hv%LRN

1. gold, silver, pearls, diamonds, precious stones and jades;

-Q-\#X0v(_7f0

N#HI6b2o KmzJ02. antiques, articles of virtue, ancient coins, ancient books and中国环境保护网mt[;~;tb9H

`T M YG"l0ancient paintings;

|H+xz)Ul0 中国环境保护网aP:o] z/K!y+T

3. works of art or postage stamps;

*\E+~-aa0w(L%F0 中国环境保护网;Y:H5HP&h`[&KR)zu

4. advertisements, aerials, neon, pieces of solar energy apparatus中国环境保护网.J1tmX"Wk

中国环境保护网6M:L uT9O%cS+[ Y`

etc. on buildings;

wgb&d%fSb}"j0 中国环境保护网;JIJbM4_r6M

5. computer system records or its making and copying costs.

v|j4SF o2D$r5jZu0 中国环境保护网g6Z aBnO#ot

Under no circumstances shall the following articles relevant thereto

(oR;MSt[(v:YU0

w*x~$v3K,L-ra0be covered hereunder:

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1. guns, ammunition or explosives;中国环境保护网j5x;ti$m Kj4o;`(_

中国环境保护网_#}6D{ [N3[%f%l

2. banknotes, securities, bills, documents, files, account books or中国环境保护网"Y-s y#l7e1T5b m

|"z0K w e3~v0drawings;

i%L;au/?#F!^ E x6y;n+]K0 中国环境保护网|2d w)v`M

3. animals, plants and agricultural crops;

Y d-|8_W.f!w0

[8B*JC;X04. mobile phones, portable computers, removable photograph apparatus

#Q-t.T/xZ;WzG2N0

9vRy:Y:b(n:c0or other precious articles;

WIM9pXI d]Z:~0

'pg7t Ws2FI%z8h05. vehicles licensed for general transport use.

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VFkzp ?C8v)K0II. SCOPE OF COVER

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y8[(V)W l$W3Fv5]l0The Company shall indemnify the Insured in respect of the physical

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D:|a S*]5CgV/x0loss of or damage to the insured property stated in the Schedule during中国环境保护网 QJy!p*j3l

中国环境保护网p]W3b&}/Mp-o

the period of insurance directly arising from the following perils:

QYOIu0

XZtg_7@pP01. fire;中国环境保护网B/j{6y"A"`fKc

中国环境保护网5I(C#se a

2. explosion;中国环境保护网)B0[+x4szk;V.le

XI:Jm8v1V0but not including explosion of a boiler or other pressure relief中国环境保护网*@8F|]&|0x

N?ob$Env0devices;中国环境保护网 Z \'g2Mv@5d3f

中国环境保护网5]+H$N)O D0tB

3. lightning;

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4. hurricane, typhoon and tornado;中国环境保护网O,KP_6X?W

^$v0tT!R ~3a]^?-pu4|e05. storm, tempest and flood;

#[_!Ox V~7Qs \ h7uH0

fE[0c,i;Re0U3}P0but not including loss or damage caused by change in normal water中国环境保护网MC,S,qYao`%N]

中国环境保护网 NS/\ C#l*QS7Qv Q

level or inundation from sea water or water escape or leakage from the

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2OJ:fl2p"@X.Cr9J0normal confines of any natural water course, lake or reservoir, canal or中国环境保护网 ~{/Y&k W,m"]|_

h]0m$a:{eq0|0dam as well as loss of or damage to the insured property caused by storm,

oE q@HHd:tc0

4B P/~$Y3b)Po-\G0tempest or flood while being stored in the open or covered by or under a

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K Sr|:_$i0shed thatched with reeds, tarpaulins, straw, asphalt felt, plastic or

Tq\7Wi$T S~sj0

0y qA5~2^g0nylon sheet;

"J&_9t\1lE'L0 中国环境保护网TIF0fVd/g

6. hailstorm;

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7. landslide, rockslide, avalanche;中国环境保护网_8n4[R4z MZ

中国环境保护网'H%J i2p*J7v0t/Bm7[

8. volcanic explosion;中国环境保护网S0QIS!T]0st\

中国环境保护网FA6s's)\F

9. subsidence of ground;

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H,E`3M1~W e0but not including loss or damage resulting from pile driving,中国环境保护网3BRhjc#\[!^r

中国环境保护网)AL)Z3t;f!AhEvb

groundwork or excavation;中国环境保护网n#Ga#t2m`

o b#P7@{^010. crashing aircraft and parts or articles falling from aircraft and中国环境保护网'D TM H#s7`e

Xe1` pX5W0other flying objects;中国环境保护网`wF o.Tg u$~6a\

中国环境保护网aD f.Y0r8RkJOZH(D

11. bursting of water tank or pipe;中国环境保护网6W Og-[3wFXJD

(t~7BIW&z.\+}%A0but not including bursting of water tank or pipe due to rust.

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;F^X/]2K1GS xH0III. EXCLUSIONS

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u&a JF?'y c4B0This Company shall not be liable for:中国环境保护网6E%w(O_*g1H$N+i2^3U1E

中国环境保护网\_ u}Kr.d

1. loss of or damage to the insured property or expenses caused by中国环境保护网!E4nRYt#_D7C ct

A)lWu\T9c%w#z9z0intentional act or gross negligence of the Insured or his representative;中国环境保护网$ynS&R9e7{P%W

中国环境保护网rxi,`q}e lJF t

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

5E#W4fd+q ~W5u0

R(evW!A)M0incurred by earthquake or tsunami;

4z u `.Oy3r0

Bx.W%{ O03. depreciation, loss of market, loss of use and other consequential中国环境保护网Z md:e#U

0J N@/@Y&o(HHW6eYb:n0losses of any description;

bz*V z |3Y0 中国环境保护网YA8{!Th8H,q+oH ?8q

4. loss of or damage to the insured property or expenses incurred中国环境保护网8^{cjA

中国环境保护网9` i-`I"i~k:c(L

arising from war, warlike operation, hostilities, armed conflicts,

kC-hF'n1ds W:Y0 中国环境保护网d[,\ HRh

terrorism, conspiracy insurrection, coup detat, strike, riot, and civil中国环境保护网 _PD-w FBjC

i _:x _uj0commotion;

'v8ei~ L'{5^ u0 中国环境保护网/zUu;O0A#a o }-Z

5. confiscation, requisition, destruction or damage by any action or中国环境保护网0W2G*v}kU

中国环境保护网5c0Z[;lyL\'Vp

order of any government de jure or de facto or by any public authorities;中国环境保护网$O3w2Z'LFtC

中国环境保护网 V+Hmq] g

6. loss of or damage to insured property directly or indirectly caused

rrKxCf$|pT0 中国环境保护网r end9sW9me

or expenses incurred by nuclear fission, nuclear fusion, nuclear weapon,

6St O9i.N D X G0 中国环境保护网7[vFQQ6s:Y){0P2z2w'Ei

nuclear material, nuclear radiation and radioactive contamination;

lw*C-D[V$[0 中国环境保护网$z p)x!^,z g:]\ D5q)H

7. loss or damage caused and expenses incurred by pollution of any

NOI2N g$c:j J:e0

O:No+uP?N0kind or description whatsoever such as atmosphere, land and water中国环境保护网yPXts'RRjP:[-e

([(J'mcn Av2T0pollutions but this does not include loss or damage caused by pollution

]%|0i-?%XC0

6\ Jdl%]i0arising from PERILS specified in Article II the Policy;中国环境保护网v+V6kMh!B"T

中国环境保护网3fAW:P*y5{U$b

8. the deductibles stated in the Schedule to be borne by the Insured;中国环境保护网+I|R g%K;AA

[ dsl9iY'E$`x5Os09. loss or damage arising from any other perils not listed in Article

.[#c5L T"Tw&[M0

8O(g)d Xz a^0II of this Policy.

2oV;^X!S\$@$XI+M0 中国环境保护网9?QeE'lI6j

IV. TREATMENT OF CLAIM中国环境保护网1EF8W"y#d1i b7~+g

中国环境保护网`G5lMj'~

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

b0?'By3B5hm} D)Tvd0 中国环境保护网U4a$H+R2N

of loss or damage falling within the Scope of Cover of the Policy by中国环境保护网)A D6TaD

中国环境保护网Lm)j;B\YFw

either:中国环境保护网g)N#L |jt

中国环境保护网d;?$L~$BG)Yw

1.1 paying the amount of the actual value of the property lost or

CX-@wYtF-} Z/_0

r5B*uQky V&}8~0damaged or;

4sO ?{8LaY"h V0

t2O1P ]N][2l|9CRL01.2 paying the necessary cost of repairing or restoring the damaged

~7q%p!a ~/y0 中国环境保护网Sz(v(Pt#Vz*_

property to its nearest condition immediately preceding the damage or;

-yFC?(E*kz0

~ US,v0a%X/@u01.3 repairing or restoring the damaged property to a condition near to

{!^GH V#ME f0

-{+?Y|MGfo\0other property of like kind and quality.

y;Y;i8j2OA6W2jW0 中国环境保护网/p0jV |K mCd7@

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

;MpiEq"ue V\!x0 中国环境保护网O/v@?5K9qd

value of the property prevailing at the time of loss. If the sound market中国环境保护网/F:kc,E6N)?P

中国环境保护网,s&[a7Y5Q;H7tY ?P

value of the damaged property is lower than the sum insured of such中国环境保护网 X\ FT O%H&oDb

中国环境保护网nr%[1oic Go

property, the claim shall be settled on its market value; If the sound中国环境保护网8He^3s N*Mre

中国环境保护网,Z`1S`+J.r

market value of the property is in excess of the sum insured, the Company

c.]g#Qst0

!}"}Rhd7a0shall only be liable for such proportion of the claim as the sum insured

Qgx p"ShSI0 中国环境保护网U0HV+Y"Y#x&Bb

of the damaged property bears to its sound market value. If the insured中国环境保护网@M @(_{:] ?J

中国环境保护网5b |N2m]$q,D|o

property enumerated in the Schedule is more than one item, the provision中国环境保护网3k |!C&][ sRG6W

中国环境保护网#k@T!l0olP

of this clause shall apply to each thereof.

uq\8BHu a0Tl0

(|W&Z{"`[{03. If a claim for loss of or damage to the insured item is settled on中国环境保护网!f LT1}G#|s8M

t }ID^`-H0a total loss basis, the salvage value of such item shall be deducted from中国环境保护网0Ta i)Eq

zL k[+S7O0the indemnity payable by the Company. The Company may, at its option,

y#dy\#R(t5Q5^3uO0 中国环境保护网(W\!OC3`@"@!C

decline the abandonment of any damaged property by the Insured.中国环境保护网^1Uo*i ??

`K$|#T7B"h*Fd+S04. In the event of loss of or damage to any equipment item insured

8[}_T QHn0 中国环境保护网4]X*X,\g YY

forming part of a pair or set, the Company shall not be liable in respect

)_x L _jmRFpL0 中国环境保护网U `*B(_(F

of each of such item lost or damaged for more than its proportionate part

;jiCq+N;PA0

;E"|3\+i5Z1ZW0of the sum insured on the complete pair or set.

] G9L(d+e vLL ?\0 中国环境保护网c4a2a_T!S

5. In the event of any loss occurrence, the Company shall also pay the

5K-t$]"l:j#|G3Jl~0 中国环境保护网j t:K1F'sL|%uu)U

Insured for the expenses reasonably incurred for taking necessary measures

^6G:A pLh ]l0

V&|7B{.k U;B2M? {0to minimize loss or damage to the least extent, but in no case shall such

GMD/QRG5n[c0 中国环境保护网m lMSi#FQ5dy

expenses referred hereto exceed the sum insured of the insured property.

5K'r&Oc6d a0 中国环境保护网7}1F9`5j2p'zB

6. Upon settlement of a claim, an endorsement shall be issued by the中国环境保护网}^#M,y6H vz f

中国环境保护网,v9}2x-c2F5n#DKcv Qv

Company to reduce the sum insured corresponding to the property lost or中国环境保护网/h#u;Y!P pW8N

中国环境保护网$J1N;Izu

damaged by the amount so settled from the date of loss, and no premium

V'z@,~/U1SW$i:Y0 中国环境保护网(Yi d:r0WQ/SK

shall be refunded for the amount so reduced. If reinstatement of the sum

+FFy4]W!W z-E+G0 中国环境保护网]8d(fnq]J5iA t

insured is required by the Insured upon settlement of the claim, an中国环境保护网Ub/t*g,Q&l

ZB| g s0R2~d,p.B0additional premium for the reinstated amount shall be charged at an agreed

+T1D$L1z qD1rf0 中国环境保护网a&Im(`*{V^ M\T

rate, and be calculated on pro rata daily basis from the date of loss to中国环境保护网$AtBD5N e:Lqly_

+[,w G;Q!q0the expiry of the insurance.中国环境保护网pR#qO,lO%g4p:d

中国环境保护网.Xk+?q3L-N c

7. The time of validity of a claim under this insurance shall not中国环境保护网O5c%s"fiPTJ5f*j

中国环境保护网 J+@ `Ti7S4Y{

exceed a period of two year counting from the date of loss.

!c7Re&y-KN0 中国环境保护网_U~ |:h

V. INSUREDS OBLIGATIONS中国环境保护网 kK-cZ r C

6Xsa i"Y(q&?0The following Obligations shall be strictly fulfilled by the Insured中国环境保护网7aYnQT+E

中国环境保护网;f$h%}O\%TCCu L

and his representative:中国环境保护网h"W#d-?m(yR i8Hb-N

9J1pj,_g~ `R01. The Insured and his representative, when applying for insurance中国环境保护网}\#}%I P%? Z4QB

中国环境保护网r @ p)x0tM {

shall make true answers or descriptions to the questions in the Proposal

Y/K#rVd,] `n0 中国环境保护网+j aBN'a.ym

and Questionnaire or to any other questions raised by the Company.

%u"Pk-r4a&f/M~U*PR0 中国环境保护网}FZh7[4bS L

2. The Insured and his representative shall pay to the Company in due中国环境保护网G R1VB;C%J

中国环境保护网-X-`4W \:T

course the agreed premium in the manner as provided in the Schedule and

,niL7c:c1A0

_x/M7d onb0Endorsements.中国环境保护网$~3lz*N%Yk

中国环境保护网q Lp-Md

3. During the period of this insurance, the Insured shall at his own中国环境保护网ow4R/Vp

中国环境保护网E}i ?5R)m'uX8[1^&@5t

expense take all reasonable precautions, including paying sufficient

(`TTpP B(M0

/U6]7wo jI sW}%G0attention to and putting into practice the reasonable recommendations of

H{ ?)df|Q?0 中国环境保护网m%Uvpc"[ H&C:S#u9f!J

the Company, prudently selecting the workmen and employees and complying中国环境保护网 Y+nl3d3R

,R[4u ]l2u9\0with all statutory regulations and safety operation procedures.中国环境保护网 ?G"y1Dm}/\{y J(x

AO#y[ Q04. In the event of any occurrence which gives or might give rise to a

6Fn9h,E)l0 中国环境保护网D#bS~6@G&P:m-O$N

claim under this Policy, the Insured or his representative shall:中国环境保护网dXWWN7[.Y0z

中国环境保护网+c{ Z w-H,b9?*M2GH]

4.1 notify the Company immediately and within seven (7) days or any中国环境保护网2UR]1D `R

8`8e`!A B4m3q0further period as may be agreed by the Company in writing, furnish a中国环境保护网TDfB+Fb"~

*hwAY!? d0written report to indicate the course, probable reason and extent of loss

q8o/akQ)L`0 中国环境保护网4l%a,F;r"u&Huof

or damage;

vy;z pQ Ol.q1N7Y/E0 中国环境保护网D{;P2n&A

4.2 take all necessary measures to avoid aggravation of the loss or中国环境保护网Km4s?|

中国环境保护网9Iu%YM5J

damage and minimize it to the least extent;

C,V,w%zF[Z#}%u0 中国环境保护网n8uqYH!N

4.3 preserve the spot affected and defective parts before an

0T2G o\2K2K2V*Tct t-E0

A-\q$xva5drB0inspection is carried out by a representative or surveyor from the中国环境保护网V#D0b6SqnZ(N1U

中国环境保护网fN^ M8A'F I

Company;

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.IT6Z&U"tTk7F04.4 furnish all such information and documentary evidence as the

i4b7N4T#H jQ0 中国环境保护网'PzJoMZ#Z

Company may require for supporting the claim.中国环境保护网.F6rR2A lb6? |G{+w

中国环境保护网 ZO{n,h8V

VI. GENERAL CONDITIONS

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ZaG(sG@CEei01. Policy Effect

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The due observance and fulfilment of the terms and conditions of this中国环境保护网;y \-cO.l0uKY

中国环境保护网/B] f~ }

Policy in so far as they relate to anything to be done or complied with by

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Q |6Sky n0the Insured shall be a condition precedent to any liability of the Company中国环境保护网,H_ L7Mmp

中国环境保护网 }U wiCpE-d

under this Policy.

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v_ P"XD0]6UbV&_02. Policy Voidance

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z[*Y:ff*Fk|_h2G0This Policy shall be voidable in the event of misrepresentation,中国环境保护网,UH@3`n_H8q

]L6w%y#g9D0misdescription or non-disclosure made by the Insured or his representative中国环境保护网x6i }Wt\4u

中国环境保护网\(Ebeh l |

in any material particular in respect of this insurance.中国环境保护网 Y9qK2c g2a.xB"H

R)P9v'?g"N03. Policy Termination

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x5WX"A4g/v.K0Unless its continuance be admitted by the Company in writing, this中国环境保护网uG@0A%i'Yx

中国环境保护网3TT/W}7xb

Policy shall be automatically terminated if:中国环境保护网/D^,n `({2U @ds

Q-e#M.k]v}Q3s03.1 the insurable interest of the Insured is lost;

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3.2 the risk of loss or damage is increased.中国环境保护网#pnU{$`jMu\

h#DP$p,s^b3@~0After termination of the Policy, the premium shall be refunded to the中国环境保护网+u ? jc u]4g T

Jt1}Yw7C;|@ P0Insured calculated on pro rata daily basis for the period from the date of

$DE,Mglv0 中国环境保护网+u:s6f-|0gc

termination to the date of expiry.中国环境保护网w3G5H R}|z/h

中国环境保护网/@%Qv mi'^ C(R

4. Policy Cancellation中国环境保护网7A_9Y4GZ

;j kj o Z kw e0This Policy may be canceled at any time at the request of the Insured

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in writing or at the option of the Company by giving a fifteen (15) days中国环境保护网5B,_%vn}0Vap4H3p;tn

0T7a&I1U"a4Ht0prior notice to the Insured. In the former case the Company shall retain a

9QK%K9fOM+K/h0 中国环境保护网ci\9s)iz"x[C

premium calculated on short term rate basis for the time the Policy has中国环境保护网c4L9l{!LK/A

中国环境保护网kd1ON)f

been in force while in the latter case such premium shall be calculated on中国环境保护网aM6|!x1]`_9a

-t6m$FTh0pro rata daily basis.中国环境保护网0cgNB7CHBo

W3x O\7L z05. Forfeit of Benefit

x'g%dP9D7e0 中国环境保护网1['W%En;Wd$hK

If the claim is in any respect fraudulent, or if any fraudulent means中国环境保护网1y"L0k#a!x-NG Y

oF(DE:A:]0or devices are used by the Insured or his representative to obtain any中国环境保护网*r,Uk%zvX7j

中国环境保护网U-h{,{X*\'X%SD

benefit under this Policy or if any loss or damage is occasioned by the中国环境保护网a&f9gXn y

!A"l@ o olX'z0intentional 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0NVc5YF_

中国环境保护网8^!z9d[ j[%pz+ge

under this Policy shall be forfeited, and all consequent losses arising中国环境保护网Z7WG(t._Azo0I

'bl,bs/K%E)}OSY0therefrom including the amount of claim paid by the Company shall be中国环境保护网Z!m2~bbYx6~5]

Bl#YKP$|)j-bJ0indemnified by the Insured.中国环境保护网 yv{'Kx+h n#S6~5` o0q

中国环境保护网 uA]dV(xqN Y

6. Reasonable Inspection中国环境保护网x{q!@FE}"z*}E

中国环境保护网9I(d'_%Y&wK

The representative of the Company shall at any suitable time be

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[`1ZWP,Tvn i0entitled to attend the site and inspect or examine the risk explosure of

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N0k y7_;b8Ng D"n0the property insured. For this purpose, the Insured shall provide full中国环境保护网:e']5h f#zXJ

中国环境保护网X!c#aSE(@

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

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faF"t`0be necessary for the assessment of the risk. The above mentioned

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inspection or examination shall in no circumstances be held as any中国环境保护网*PX1tDJ

'F:j9`_FH)E4s0admission to the Insured by the Company.中国环境保护网[0OFj/Pg

;L7lo`]&v2IO07. Double Insurance中国环境保护网dl Mf*y,l\+r

中国环境保护网9Mfi@!`+O fC]Z

Should any loss, damage, expenses or liability recoverable under the中国环境保护网+`W8Pf @d._;U(G

C:L\ l5O;oS8[0Policy be also covered by any other insurance, the Company shall only be

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

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-Y+G*vW6rUEq*f:i0whether the other insurance is arranged by the Insured or others on his中国环境保护网 cDR8k ^F f _

IH)` u~#U0behalf, or whether any indemnification is obtainable under such other中国环境保护网!|Y6P#N%W3a7|

S+|_@H,a*OM0insurance.

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X:khY3?0UQ1G08. Subrogation中国环境保护网X5B$BKsJ

中国环境保护网vi_0cJ J

Where a third party shall be held responsible for the loss or damage中国环境保护网q#}u6_}q ys*D

中国环境保护网N)t z3qY%m

covered under this Policy, the Insured shall, whether being indemnified by中国环境保护网:uUL@e

中国环境保护网"lXu|[Uu A

the Company or not, take all necessary measures to enforce or reserve the

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@1Q}#H'f3q0right of recovery against such third party, and upon being indemnified by

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the Company, subrogate to the Company all the right of recovery, transfer

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all necessary documents to and assist the Company in pursuing recovery中国环境保护网 h1Q FTOTFJv

中国环境保护网]{9ex8a

from the responsible party.

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[R(G7i,e+L/v09. Dispute

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5GUX*F ?1zk0All disputes under this insurance arising between the Insured and the

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Company shall be settled through friendly negotiations. Where the two中国环境保护网t`Q T7|MaDD

s d] S3p4T0parties 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

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!\ jm*`:A{ x:}0otherwise agreed, such arbitration or legal action shall be carried out in

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the place where the defendant is domiciled.

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7r K%kEa$sg3G f i0VII. SPECIAL PROVISIONS

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The following provisions shall be applied to all parts of this Policy

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and shall override the other terms and conditions of this Policy if any

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8J8b,yh$K0?e} \0conflict arises.

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PROPERTY INSURANCE POLICY中国环境保护网+Z["Q+y"i'F4Z$@

中国环境保护网Q x3qv1ldB4_)b

Policy No.:

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WHEREAS THE INSURED named in the Schedule hereto has made to the中国环境保护网 U0ytjBuSB

p:C OQV8Tn0______ Insurance Company (hereinafter called ""the Company"") a written中国环境保护网4]2Idw4UV;c7V

Bx Q0vL(gC-O;|0Proposal which together with any other statements made by the insured for中国环境保护网+Y#q.g#`Y,B9j

中国环境保护网K3p5gTB;w}+iG#N

the purpose of this Policy is deemed to be incorporated herein and has

UlO+e.iJPX T0 中国环境保护网9I.bB o&~ dD

paid to the Company the premium stated in the Schedule.中国环境保护网(l_E9g\-o"P

中国环境保护网,w3s$r|&jw+F

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

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/R4_ EV4d*DL8e3E0conditions contained herein or endorsed hereon the Company shall indemnify中国环境保护网u2A5_8Vcp

中国环境保护网+E Ye7J(X^T B

the insured for the loss or damage sustained during the period of中国环境保护网l%H1P*t'x:j4}"a*^

/L ^ kldM+b0insurance stated in the Schedule in the manner and to the extent

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hereinafter provided.

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;I"^#fHv4DD0By the ________ Insurance Company中国环境保护网(n"Q;f%H1fU

9?!P*KMo8\$FwG0_________________________ Authorised Signature中国环境保护网qs_ V2B.|

n/Y/E|3| `5U)k;wCpQ*E0Date of Issue:

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gOg*cY*f^0Place of Issue:

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SCHEDULE

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Policy No.:中国环境保护网k Sw h?R}"tHM3u

中国环境保护网rB/RJb,n3e

1. Name and Address of the Insured中国环境保护网hjGw(d7b#k.z

中国环境保护网 ofW9fA

1.1 The Insured:中国环境保护网y1?9df2lh

中国环境保护网+g;RG7A%f:kZ

1.2 Address:

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"?4_!L9oT w02. Location of the Property Insured:中国环境保护网F YCr(M.\I0K#_`

中国环境保护网A"P8KO}

3. Nature of Trade:

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_E;HY hK/x/s R04. Insured Items and Sums Insured:

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Insured Items Sums Insured

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4.1 Property Insured

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L Jn2l~Ai04.1.1 Building(s) (including decoration):

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4.1.2 Machinery and Equipment:

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?0q}l5`04.1.3 Furniture and Fixture:中国环境保护网:ZM{3B m r Q+`

中国环境保护网{f"u4I"}|'h$r

(including office equipment and supplies)中国环境保护网+O-kX4N)C*~yH)ZPqh

中国环境保护网A(K}&v BAB

4.1.4 Stock:中国环境保护网*aF_1dWi~2a

中国环境保护网AHb7o*m.A:S5`A R#O

4.1.5 Others:中国环境保护网V&H^~;F&N-I5K/BE

中国环境保护网Y9p.]b5vq'E8]

4.2 Additional Expenses:中国环境保护网S,c/{T~5Dv v._ a

中国环境保护网3P-HPC%Cu*{n

4.2.1 Removal of Debris fees:

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4.2.2 Fire Extinguishing Expenses:

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a7?8@{1E3s!u04.2.3 Professional Fees:

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"s-j7oU'y!{)x04.2.4 Other Expenses:

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~t1p-eW({Ju(X"\0Total Sum Insured:中国环境保护网0FL BBfI#K,c

O,\W ~$K05. Deductible (any one accident):中国环境保护网O[-V5e y-QxD.n

k9C'RTtI!aSK06. Period of Insurance: ___ months.

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from 00:00 of _________ to 24:00 hours of ______中国环境保护网7qn)Q@S`v

中国环境保护网%fN|3q9v#G

7. Premium Rate:

g}9}*s ll8@0 中国环境保护网9D'CGY'?F

Total Premium:

;px'n&n(] ~6X0 中国环境保护网RO2W/e H"I-VG'k

8. Date of Payment:中国环境保护网Lc,ZL vp

中国环境保护网9`7T#DNQ|9Z

9. Jurisdiction:中国环境保护网Z ~-D,ws9S

中国环境保护网yq3Y#p\%G rd/G8L

This Policy is governed by law of the Peoples Republic of China.中国环境保护网!S3~9G Y8tl+BB

k4K/x3]J0Cn010. Special Provisions:

!B J,l)Z GNJ0 中国环境保护网W#{D;@p$O*~Oj'{g

PROPERTY INSURANCE POLICYS SCHEDULE中国环境保护网SZ}3~"}q i

^RO}^2Z#hhk@0_________ Insurance Company

;\#D${;^+{?0
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