财产保险合同格式(涉外)(附英文)

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【题 目】财产保险合同格式(涉外)(附英文)中国环境保护网i&M/[8qSAR-X

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【颁布单位】中国环境保护网;F6EP2xLN c3|i

c0iFv+pf az!x0一、保险财产中国环境保护网%r`FR Ch0o

9gz2?4Qp\6a,O0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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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9V0yf PP

9w J0M&I2J7ME-~*N kS0(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;

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(五)计算机资料及其制作、复制费用。中国环境保护网'xf `9o q#p:q

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下列物品一律不得作为保险财产:中国环境保护网cQq+K/?

YK$UeA'B%q0(一)枪支弹药、爆炸物品;中国环境保护网?b F+co+oOO;E n"~

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(二)现钞、有价证券、票据、文件、档案、帐册、图纸;中国环境保护网}OmR ` Z

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(三)动物、植物、农作物;

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r&y)hewX"l5z{0(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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(五)用于公共交通的车辆。

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&qe`7Q V-K(Di0二、责任范围

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ufd2S-kd.F-Pbu0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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fa:]_$i*K0(一)火灾;中国环境保护网&[e*SuY/XM8J~

9|-|)l;y$M2VA_0V0(二)爆炸,但不包括锅炉爆炸;

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(三)雷电;

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(四)飓风、台风、龙卷风;中国环境保护网 {g{k2[q

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(五)风暴、暴雨、洪水

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] EZ*E%zp*I5S F:S0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;

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(六)冰雹;

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(七)地崩、山崩、雪崩;

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W1`%uW9JG Y6b+p0(八)火山爆发;中国环境保护网d^4dJv]B

@5}-A eK+jl+s a&H0(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*yztkR

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(十)飞机坠毁、飞机部件或飞行物体坠落;中国环境保护网9BxeJ#v%[ n

c:i){6@0D0(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 W"s0E8CM(s^Jq8vX

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三、除外责任中国环境保护网1Y v.V6Q%Bd W#|%gW

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本公司对下列各项不负责赔偿:

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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;

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(二)地震、海啸引起的损失和费用;中国环境保护网y w]y3J

c!mlB,et-_1h#d0(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h9iu5uJ,n#~

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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dWW,K7r k9H[h`;y

,o0| oe~#Ct {e0(五)政府命令或任何公共当局的没收、征用、销毁或毁坏;

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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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5~R)}o N0(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_ ikjI+HD

`p d8@)T0(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;

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(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oE ~%Lu(ru

V0U-sT-vSL:H%P0四、赔偿处理

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.N3ZT~5Csi0(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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1.按受损财产的价值赔偿;

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f1j8mOR+eK02.赔付受损财产基本恢复原状的修理、修复费用;

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/ZepIf$C4PIp03.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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(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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\ |0aI%u"q0(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。

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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。

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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wCPVh)Q&q+TR

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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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{8X(L6Z8`*k0五、被保险人的义务

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Ymzo d3?)NMc}0被保险人及其代表应严格履行下列义务:

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(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4S6|!~9YT2bY'|

]u i(} a+Z0(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$u h;b6q5`-j*n

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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:

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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;中国环境保护网 GlU5Dj+W5}0Xi:p,d

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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l;h;M@y+x

-]9p4w'\e;Cw7zj8P03.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。中国环境保护网$J m5IJ9X

'`B5_&x.X-b@;W0六、总则

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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。中国环境保护网,ej J2Mu}6r

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(二)保单无效中国环境保护网-[!A;FV.P

?z+E+\U$?W0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。中国环境保护网{1]3b Y0B

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(三)保单终止中国环境保护网Ld^z'f-K3L

xpbr7h*y/I0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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Ib_,G| V#^01.被保险人丧失保险利益;

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Jq1Xq4QI!\s3d02.承保风险扩大。

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0UXQ8\ c A^%]0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。中国环境保护网0wj f7H,V}$sy

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(四)保单注销

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2S*}a rr8}1~S)Yt0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

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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p4]'r ~.jd&w g0W

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责赔偿。

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(六)合理查验

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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。

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(七)重复保险中国环境保护网@$@ RX7NK${A:_io

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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)权益转让中国环境保护网/m/{^R_#ye3I;h F/G

}y)Hm.c&^R0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wZ4PQAF

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(九)争议处理中国环境保护网Y%X:M4P6?

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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。

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七、特别条款中国环境保护网KBQI kOP

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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。中国环境保护网Y&K a^$m v

w r6R |}{cMcN0财产保险单

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Y0u7Hg!H0保险单号码:中国环境保护网m$A:c `{nK

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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:rX/GF(g].I!@

Fs-e vjBg0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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3`%x[%QvG0______保险公司

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4j%bJXd n [KCP0______

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授权签字中国环境保护网$]*YNC p.bH

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签发日期:__年__月__日

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/E"LsAZM _R^1}0签发地点:

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qa:u w!L5KH1U0明 细 表中国环境保护网 [ OZr e1~ y"h7r]

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保险单号码:

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tEz_4q0一、被保险人名称和地址:中国环境保护网d,OZ-x(uH

@"p7n B7c}CUC0二、保险财产地址:中国环境保护网~'q%[A.s v3v

2Yr b~T2P0三、营业性质:中国环境保护网Q cpA8WY5gT

Q7et}4]q#Zj K6]0四、保险项目及保险金额中国环境保护网%oh0m1e-[%ZX

+ga@-XI0项 目 保险金额中国环境保护网4fcgc`

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(一)保险财产中国环境保护网9iBc mD4QL

*W;f4OEC1n]Q01.建筑物(包括装修):中国环境保护网i k.S(t-@+Y#j W&@Y

b|"iAM7@6S02.机器设备:中国环境保护网2Q"|&]%g#z

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3.装置、家俱及办公设施或用品:

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4.仓储物品:中国环境保护网f0OS uIx:F{

1a wL9Ax)u05.其他:

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uC ~$Tbs/rs9A0(二)附加费用

,C.E%v]z:p:@(sY0 中国环境保护网/|X a+I:C|m

1.清除残骸费用:中国环境保护网j4Xy&Y$|,RI

中国环境保护网Y0Znk Dg#R6I8~

2.灭火费用:

^o5X&qk;J-k0 中国环境保护网 |1E9xl#Q!Wd?

3.专业费用:

3[r_)o7G7m4^'~"|0 中国环境保护网$@\z"{p s

4.其他费用:中国环境保护网;?m#Uy Cv{PY

中国环境保护网Z!gm~u0q]j

总保险金额:中国环境保护网m][ j7Ae9n4w

7v#i{Zg[-_0五、每次事故免赔额:

A}t6l8R d0 中国环境保护网 K4J(u0m#^ U U^q8Y

六、保险期限:共___个月。中国环境保护网 N HY ~ZE0]+Nm

X4P9Q)y8HXK/Y0自___年__月__日零时起,至___年__月__日二十四时止。中国环境保护网x!Pm&@.Ac.}!~

中国环境保护网][M2F@v2q

七、保险费率:

AR^p:O0 中国环境保护网#Z+f{WCH:F)cm

总保险费:中国环境保护网0d/`-MQA

中国环境保护网V+Q)r9M @0m

八、付费日期:中国环境保护网3q+J,P?Z t/t%P

中国环境保护网+wrWG9O[

九、司法管辖中国环境保护网_3p"N.XVp

中国环境保护网#z@:z5t9PPB8h

本保险单受中华人民共和国的司法管辖

*n[+r(tgD0

8Ng"h2ug Y:T)M0十、特别条款

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财产险保单明细表

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RdX1d"C%['q4j!s i0______保险公司中国环境保护网8K_(t BR zv g

中国环境保护网T&z5I:k*A

PROPERTY INSURANCE CLAUSES中国环境保护网.x2gp;i H1^vn c

中国环境保护网 ]"eova&[&iO

Whole Doc.

k!fp-KL4I0 中国环境保护网xYf n ME y

I. THE PROPERTY INSURED中国环境保护网,pDK m2J5]|r

中国环境保护网ed'eU%HKt5T z,K

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

!yv Gz] `4}9e.T hk0 中国环境保护网1vG W(h(a*b%V

cified in the Schedule of this Policy.中国环境保护网AZ(f^ `X GK,H

中国环境保护网3L}1mV/F[M'Jz

Unless specifically agreed upon in writing between the Insured and the

.o{R,u$j? Uhj0 中国环境保护网,b:Xh9R-SC'JN

Company and appraised and value-established by professionals or assessors,中国环境保护网JPyn.em7Tz.m-_

中国环境保护网4?0I/HJ0}#K\!V

the following articles and the expenses relevant thereto shall not be

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-jv nH)]0T7ND){0covered under this Policy:

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

^9Z8A Sf)U})u?0

0n$k*SSev02. antiques, articles of virtue, ancient coins, ancient books and中国环境保护网;V ned%wwEt

kKx@ ^4W.kv"q0ancient paintings;

_K8Y4YfQ;J0 中国环境保护网$}k |-?ai0X*v2L6vq

3. works of art or postage stamps;中国环境保护网HrV.F7]`

中国环境保护网*k0p/b'E^:cGU

4. advertisements, aerials, neon, pieces of solar energy apparatus中国环境保护网p3R4]%F!p

中国环境保护网d/zr2A@o(N

etc. on buildings;

2WI5kCKg p0 中国环境保护网V8dpI r!^(\"]8K

5. computer system records or its making and copying costs.中国环境保护网ABl(| ads$s^

中国环境保护网 E$ULOv s$L'R L?

Under no circumstances shall the following articles relevant thereto

mD_ ZD V(S ko"c0 中国环境保护网,N m$H/a6EVo:\9h$f"_

be covered hereunder:中国环境保护网OW R'y%\,SK:y3V

中国环境保护网(z,Ve I.uji

1. guns, ammunition or explosives;中国环境保护网o%df9s&x&Q

中国环境保护网/G3}+K'qB iH!?,Z

2. banknotes, securities, bills, documents, files, account books or中国环境保护网,y7NV0[D Go(I8e

中国环境保护网F:Z'O{7}qQ*}9Z Q

drawings;

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3. animals, plants and agricultural crops;

j)O7T|-s RWp0

4L^ ]g*i6[ g"s04. mobile phones, portable computers, removable photograph apparatus中国环境保护网 ["X2e1UN1H

中国环境保护网#s b5g-dB1HK SO

or other precious articles;中国环境保护网1|5yAL J a8K

中国环境保护网Qf.G5j3G"L"f&t"X

5. vehicles licensed for general transport use.

$?B*uN~)ve0

;b q/iPSS,Yi,k0II. SCOPE OF COVER

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FB!Sp(w`I0The Company shall indemnify the Insured in respect of the physical

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loss of or damage to the insured property stated in the Schedule during

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K6I\,z e(er0l@0the period of insurance directly arising from the following perils:

6["P$a:vS%\-H;T_}0

#v/[AKl.I3@O;?01. fire;中国环境保护网j5XP2~J\c*oK

中国环境保护网G8oHo6p~m O

2. explosion;中国环境保护网'q:Dv{/` z6K

中国环境保护网 d/u nYmB7]5h2LC

but not including explosion of a boiler or other pressure relief中国环境保护网7s$L4S2z4W,T\

中国环境保护网7}([6Y q^4s[m7?

devices;

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3. lightning;

xX#Lu IH.}.E r3B0

l)iit|04. hurricane, typhoon and tornado;

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z6o1h#s v1s,N05. storm, tempest and flood;

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X(pV jL#o9F0but not including loss or damage caused by change in normal water

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

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normal confines of any natural water course, lake or reservoir, canal or中国环境保护网8`9qq6?|4\.b;K

n*Y"O2g6[0dam as well as loss of or damage to the insured property caused by storm,

dszom*S V'J+R0 中国环境保护网f5r dr"t CHn:V

tempest or flood while being stored in the open or covered by or under a

Q1p5Et9i,A,C:`'\0 中国环境保护网p;l8v"\e

shed thatched with reeds, tarpaulins, straw, asphalt felt, plastic or中国环境保护网/w?;t`5p?#_I

0@6T~-R` |%]0nylon sheet;中国环境保护网"q9Oi[^"_5us y7{

中国环境保护网I\k*\1ZgSU

6. hailstorm;中国环境保护网JRGOtbs!Q

s}u-XaY_5SQ"y07. landslide, rockslide, avalanche;

Ga|c Sn0

(]/soV }}S08. volcanic explosion;中国环境保护网*W*S8cWz,M!uy

$Hc8Y;uD C8mnS'k)i09. subsidence of ground;

MREj%u3M"}0

g*V~&K[UB+W%]0but not including loss or damage resulting from pile driving,中国环境保护网'C e}Q*{| ~W)C

中国环境保护网7^ G,p~ a'Pe

groundwork or excavation;中国环境保护网%P p u-Y#q,y%md

3B P7Q7X sLl|v010. crashing aircraft and parts or articles falling from aircraft and

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u4MQ?Pj7zU0other flying objects;中国环境保护网,S-NR\B2u

中国环境保护网3lY#T:|"\0L%A.j7t

11. bursting of water tank or pipe;中国环境保护网"sZuM@+n `w

V:q(}Z'B3M!@j3y0but not including bursting of water tank or pipe due to rust.

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8W4E5ct ZXzJ4I0III. EXCLUSIONS

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This Company shall not be liable for:

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U%c&^t9H01. loss of or damage to the insured property or expenses caused by中国环境保护网.r:u.V gt;EM0c_m^

中国环境保护网:N2O{A^r0V ~

intentional act or gross negligence of the Insured or his representative;中国环境保护网:LIBXo W7QJzx

中国环境保护网@(a\T Kl"ZFUL

2. loss of or damage to the insured property caused and expenses中国环境保护网vI|}!Xh

4C/N T`D0HUa!L0incurred by earthquake or tsunami;中国环境保护网 OIV%sY5uSv

p4Ly"`*Dzx]03. depreciation, loss of market, loss of use and other consequential中国环境保护网,Ly9C"]-xQw-c:C8oG

\0lj*FZm)n6S0losses of any description;

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4. loss of or damage to the insured property or expenses incurred

-u"pjm)XH4a0 中国环境保护网lg'v{.k{%P z)F

arising from war, warlike operation, hostilities, armed conflicts,中国环境保护网.{,`'i4{H4D~(pT?1G`

x8q8I |9v0terrorism, conspiracy insurrection, coup detat, strike, riot, and civil

`"~B'l?4e\cp#B0 中国环境保护网)pt,b;yS ya[}

commotion;中国环境保护网AAb]Z1D'vM

.O(BtF(g~%v"p]05. confiscation, requisition, destruction or damage by any action or

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order of any government de jure or de facto or by any public authorities;

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6. loss of or damage to insured property directly or indirectly caused中国环境保护网AB1TSQE Tk/l

中国环境保护网|7bZ&`uc3xf

or expenses incurred by nuclear fission, nuclear fusion, nuclear weapon,中国环境保护网`C%n^Mdp

$B'LR!qreya1r i0nuclear material, nuclear radiation and radioactive contamination;

y`k0? Tj+y i#M0

|5U)T3`7A07. loss or damage caused and expenses incurred by pollution of any中国环境保护网$W!C`*b8~

$D @E{+{Gv pI:Ki0kind or description whatsoever such as atmosphere, land and water中国环境保护网$W(jw/o/O-p,LS

o q }4L {,B*?]A c G2s0pollutions but this does not include loss or damage caused by pollution

-k({3s o)Cr&A _eR/sA0 中国环境保护网9r7R` X0mP@|

arising from PERILS specified in Article II the Policy;

4iiC6{ A0Q0

6U:F)_8sQ08. the deductibles stated in the Schedule to be borne by the Insured;中国环境保护网9V/S}7Y\"txMB

中国环境保护网.m"tp@L R}bk

9. loss or damage arising from any other perils not listed in Article

'}1\ a#a cE0

w7l/Au)Q%h0II of this Policy.

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0Rqg(Op0Tf3s'Z(R0IV. TREATMENT OF CLAIM

X J'Sy3r0 中国环境保护网.F:r'xunI(y

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

s0gR7CI|[ H0

sl$_$^ hwM0of loss or damage falling within the Scope of Cover of the Policy by中国环境保护网d0m:t,Q)I0~?

7Fmm*[^8Y;C0either:

u.G4\0]%tT"X&Uo0 中国环境保护网h*z A.it R)vL0E

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

'` [+HP@pBT o0 中国环境保护网$r0V7m%~m$tR5P

damaged or;中国环境保护网 Vj0v;?X

中国环境保护网ES.v]#|MC$BVp G7w

1.2 paying the necessary cost of repairing or restoring the damaged

"L w3E ?5_0 中国环境保护网5S U d7p(A

property to its nearest condition immediately preceding the damage or;

k#|\\F%r5|0 中国环境保护网7d.Ca$]y.O

1.3 repairing or restoring the damaged property to a condition near to

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other property of like kind and quality.

4?&Tj5|5VlN{ w0

yrX nZ02. Indemnity under this Policy shall be based upon the sound market

Uvs)M| J3Z vf"_0

Nw @6X)I8S`/mD0value of the property prevailing at the time of loss. If the sound market中国环境保护网f X,Rf;hZ5Z*vB

中国环境保护网vBcK&l

value of the damaged property is lower than the sum insured of such

;TO:wLPw'K td0

8a$WM%W6m&l0property, the claim shall be settled on its market value; If the sound中国环境保护网:~ {a {6@#r3W2G

中国环境保护网M1{0?vx

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

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shall only be liable for such proportion of the claim as the sum insured中国环境保护网q _I Z,s Eo$T

8R}p8`E8T"m }0of the damaged property bears to its sound market value. If the insured

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property enumerated in the Schedule is more than one item, the provision

Z`W&];j3T{uu0

R'H;L vT x0of this clause shall apply to each thereof.中国环境保护网A;v5Mdo

中国环境保护网 R'gL&Yz3S

3. If a claim for loss of or damage to the insured item is settled on

EEJX.M2}5Z0

hp RNmt JP!oE0a total loss basis, the salvage value of such item shall be deducted from中国环境保护网W1Ni2~9F8h

中国环境保护网k9IT-fD5W}

the indemnity payable by the Company. The Company may, at its option,

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decline the abandonment of any damaged property by the Insured.

5I N0F1P0ht-P0u0

pa q&w7D,c0`}(a04. In the event of loss of or damage to any equipment item insured

$P9MJ;i kF'C;E!Y0

#O*GKwf a0z*n3D0forming part of a pair or set, the Company shall not be liable in respect中国环境保护网u3a:MP*q[

中国环境保护网+?}j"Td-z"O

of each of such item lost or damaged for more than its proportionate part中国环境保护网 s1l1LeK

中国环境保护网;FfHp0F6mx

of the sum insured on the complete pair or set.中国环境保护网:p d`!x1r#]:S u

pxePj5];tni05. In the event of any loss occurrence, the Company shall also pay the中国环境保护网 B/ll{me } x

_"tP\V0Hp%v_o0Insured for the expenses reasonably incurred for taking necessary measures

LlB"R:k%eT+[2pt0

?sFw)|Y1NZ0to minimize loss or damage to the least extent, but in no case shall such中国环境保护网 `l/L? w2`*yN

r+y|0b9YvNX/E~0expenses referred hereto exceed the sum insured of the insured property.中国环境保护网rq3IsxU8m

中国环境保护网b&a-DK5q$K

6. Upon settlement of a claim, an endorsement shall be issued by the中国环境保护网zrMM,xfZZ J#}o

I,yS2z8k0Company to reduce the sum insured corresponding to the property lost or中国环境保护网1N,o)Dx(^(t

E;U{$LUn/_#|0damaged by the amount so settled from the date of loss, and no premium

r4@ok+r0 中国环境保护网._-Z/X F#|qjX

shall be refunded for the amount so reduced. If reinstatement of the sum中国环境保护网Tn0rp5l

xG4Vy,j2Hn ys3O0insured is required by the Insured upon settlement of the claim, an

m7}4L,tZ0

*n {Kn(bO3g t^'^0additional premium for the reinstated amount shall be charged at an agreed

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rate, and be calculated on pro rata daily basis from the date of loss to

7` Z&wj)@!bLrd$du0 中国环境保护网0K-^jQ,n,G-^

the expiry of the insurance.中国环境保护网Pha*^0gJD

中国环境保护网P6DJD I&e%wP

7. The time of validity of a claim under this insurance shall not中国环境保护网 y!E+f pF+HJcUq

中国环境保护网\;N\:w0F+E5Z

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

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V. INSUREDS OBLIGATIONS

4L8PZiB TU"T0

/f4A6Ic{Qts0The following Obligations shall be strictly fulfilled by the Insured中国环境保护网~5jmU:iB9g xD

O,O%[2H?:SA0and his representative:

QS8Lqs}UfU0 中国环境保护网 \ Ip2Ys~,S+i1S l+?

1. The Insured and his representative, when applying for insurance

\1fL3@| Q)W0 中国环境保护网 e _[y*Eq#O?$M

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

(j}4vV$l0

]6b"AP%P\.^S5~0and Questionnaire or to any other questions raised by the Company.中国环境保护网}_-n]0dG

] @@;aVN)\02. The Insured and his representative shall pay to the Company in due

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

7oXvf^0

e o0~7H R0Endorsements.中国环境保护网 _j+tE0Jp G|:n

中国环境保护网*l J8}eK i|

3. During the period of this insurance, the Insured shall at his own

@8H q UR.G0

b%G.fl_pC0expense take all reasonable precautions, including paying sufficient

^!`a0gKm1t\a0

}6\X+X"jkD0attention to and putting into practice the reasonable recommendations of中国环境保护网Ie kKDpf

中国环境保护网 y:SDE2JSj:d2R

the Company, prudently selecting the workmen and employees and complying中国环境保护网Q^e*i5}$p

#bw7| m Y3\0with all statutory regulations and safety operation procedures.中国环境保护网0tMXY+gM{Xg

中国环境保护网?B3gb[S

4. In the event of any occurrence which gives or might give rise to a

&?$Z,W)[F|?0 中国环境保护网#~&f@L J

claim under this Policy, the Insured or his representative shall:中国环境保护网Ch)K;b.Gr kYb g+YH

Nu xG2g ?O04.1 notify the Company immediately and within seven (7) days or any中国环境保护网\Q;n(S8jj4o(xR

中国环境保护网2]Z t7_O-v9[8UKx/T

further period as may be agreed by the Company in writing, furnish a中国环境保护网0{V Wl;L [,x6h

CML9A.a&Z})P c4b0written report to indicate the course, probable reason and extent of loss中国环境保护网[c4x,_@*s;?

:h,kOw:@._$b4R0or damage;

#z2~v.Tc"K?O0 中国环境保护网$Zr4\1F~;e@.U

4.2 take all necessary measures to avoid aggravation of the loss or

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damage and minimize it to the least extent;

7_yc/o6}!E0

bcP`I$mYw wl04.3 preserve the spot affected and defective parts before an

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inspection is carried out by a representative or surveyor from the中国环境保护网$x q~FV8x b#y

;P|!N h5xn0Company;

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4.4 furnish all such information and documentary evidence as the

L GV!n/LD&t0 中国环境保护网LJ0N.ZN4B|

Company may require for supporting the claim.

aoj:R u8q0 中国环境保护网L+?BcGsJ%e

VI. GENERAL CONDITIONS

Lhs8[A0e.V P0

"u-e8dB3e01. Policy Effect

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The due observance and fulfilment of the terms and conditions of this

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Policy 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

O:P$aTXFX [0 中国环境保护网eT~KGd1w

under this Policy.中国环境保护网1z%X.vI9[JyI

jNP0do02. Policy Voidance

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This Policy shall be voidable in the event of misrepresentation,中国环境保护网Z9N3N/xb3plg

3v3wW`;kH0misdescription or non-disclosure made by the Insured or his representative中国环境保护网y!D eC)y

中国环境保护网9Nz C&U3xXp,PN

in any material particular in respect of this insurance.

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3. Policy Termination中国环境保护网TpL h\+h9z QU @

中国环境保护网'J+]C5T(vt

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

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NX0A/H%|0Policy shall be automatically terminated if:

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Cv*n [-Q a.P2XAc03.1 the insurable interest of the Insured is lost;

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3[%c3h c'NS6t O03.2 the risk of loss or damage is increased.中国环境保护网oyG)Z/N*~

7o%e+J3_3Z7\0After termination of the Policy, the premium shall be refunded to the中国环境保护网'VzY2K0MxVOM

2j0uL4L#tj W2U0Insured calculated on pro rata daily basis for the period from the date of

VAL*C!dk0 中国环境保护网S1zc|3mVtT3f

termination to the date of expiry.

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4. Policy Cancellation

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+d4_8?Oj0This Policy may be canceled at any time at the request of the Insured中国环境保护网AJ"EHyx(A5}4?n

中国环境保护网K'oo8@n._

in writing or at the option of the Company by giving a fifteen (15) days

y(AhwW SLC E0

)P{h3D.N_9f0prior notice to the Insured. In the former case the Company shall retain a

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A6[ E`2x5a/Z*g[i3[0premium calculated on short term rate basis for the time the Policy has

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been in force while in the latter case such premium shall be calculated on中国环境保护网8a M/eA A-Pw(Y+g

shUe`8_5qz0pro rata daily basis.

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Ai&_0q#{a05. Forfeit of Benefit

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}W[D R2P0If 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2u,X:V'l;}:O$z|!r'j

Qv:K1\0p&e~1[0benefit under this Policy or if any loss or damage is occasioned by the中国环境保护网1NY]D [7H

5D,a!z9]/P4s*[j0intentional act or in the connivance of the Insured or his representative,中国环境保护网:G,ZvZ:A\|

中国环境保护网+`D }8jtq

then in any of these cases, all the rights and benefits of the Insured中国环境保护网#`?oE2l4cV^?4]

%~9IQ2pi0under this Policy shall be forfeited, and all consequent losses arising

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yA oBmj8[u/L0therefrom including the amount of claim paid by the Company shall be中国环境保护网#f!iy4d~Znn1Z6r

中国环境保护网 ne*_`+Nr L

indemnified by the Insured.中国环境保护网)|`7k r |/v.f

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6. Reasonable Inspection

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The representative of the Company shall at any suitable time be

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Uyn"i,X_0entitled to attend the site and inspect or examine the risk explosure of

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r6`.^P0v0the property insured. For this purpose, the Insured shall provide full中国环境保护网I+sU,Bo

P:F5`3G3NwL/n0assistance and all details and information required by the Company as may

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be necessary for the assessment of the risk. The above mentioned

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7jI!GC.o#}-R Hxe;|0inspection or examination shall in no circumstances be held as any

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G!B4iS#h!x1y0admission to the Insured by the Company.中国环境保护网!jW*zT,E;Fn&@k

中国环境保护网A$yB p6XikX_a

7. Double Insurance中国环境保护网%Y*r!dw:xx`~%Fq

%l T0|3])}6A^M0Should any loss, damage, expenses or liability recoverable under the中国环境保护网&XLC@0t-W

^3la+e?L:W4i/o9W0Policy be also covered by any other insurance, the Company shall only be

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C'Z Lv ^W(b0liable to pay or contribute his proportion of the claim irrespective as to中国环境保护网,z Kb e C^ww

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whether the other insurance is arranged by the Insured or others on his中国环境保护网|'Gf:lD'E1i

M}r0b8Ag5XSW0behalf, or whether any indemnification is obtainable under such other

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$P:L5m XFK"VR0insurance.

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s;C!['R)~6|`q~08. Subrogation中国环境保护网^sPK`:^7yZc

vW5YJ!w$y"fK r0Where a third party shall be held responsible for the loss or damage

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Ey#UuL'Y ?7u0covered under this Policy, the Insured shall, whether being indemnified by中国环境保护网0rW7rR4Fjv![,G

M.GQ P v$t0the Company or not, take all necessary measures to enforce or reserve the中国环境保护网#GK#],t%M!N

中国环境保护网S Q,X9LWNl;G#t

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

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,Vm+H Fs!No r0the Company, subrogate to the Company all the right of recovery, transfer中国环境保护网Z1m%I+hz$J4He!e$W

td*yQ$U)d0all necessary documents to and assist the Company in pursuing recovery中国环境保护网 A3uve G;POrZ6?+R

中国环境保护网1WO-~ UpjS:h/c fp

from the responsible party.

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9. Dispute中国环境保护网{auL+tamQ(o

中国环境保护网5qK,d Q4\^]7wnL^

All disputes under this insurance arising between the Insured and the

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neH-B Eu7Oc0Company 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4x.[nz/lY,iq

w/H$L1i'yz0otherwise agreed, such arbitration or legal action shall be carried out in中国环境保护网 D,G&O*pZ

中国环境保护网 zD ZJ%V*ACS

the place where the defendant is domiciled.中国环境保护网5e {5CnE\

中国环境保护网![aE(j6i^

VII. SPECIAL PROVISIONS中国环境保护网I1Mgb)K

A+W1F8u]ez0The following provisions shall be applied to all parts of this Policy

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@{nE]$XIg3W(O0and shall override the other terms and conditions of this Policy if any中国环境保护网D_ _Tqa*{!Gj

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conflict arises.中国环境保护网 ?\ T5p,c4p"}

M `H*R{:P2e{W0PROPERTY INSURANCE POLICY中国环境保护网N.V kkWY0G#X.R

`!X!vdYU0Policy No.:

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+vLJ])@hu+G4q6[0WHEREAS THE INSURED named in the Schedule hereto has made to the中国环境保护网s,lhdkO,X-Z

:g m7Rn?/N }1f|0______ Insurance Company (hereinafter called ""the Company"") a written

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Proposal which together with any other statements made by the insured for中国环境保护网H lj:cm f

f];e1S-{%x0the purpose of this Policy is deemed to be incorporated herein and has中国环境保护网L+O]e.Y;l?{;V.K,J

#i;u4OSW0paid to the Company the premium stated in the Schedule.中国环境保护网H%\HA5~c;Q3M&{

中国环境保护网H;M0l!Mt @"U9Ii

NOW THIS POLICY OF INSURANCE WITNESSES that subject to the terms and中国环境保护网Ff.v3A4i\

中国环境保护网-dj:U!Zl Tv kC?

conditions contained herein or endorsed hereon the Company shall indemnify中国环境保护网3u|mgRI,{/I

]pv"K9{NIl0f:V0the insured for the loss or damage sustained during the period of中国环境保护网Q#eE P$Hn:ztgj

!n9F |TO0~ I3t#@0insurance stated in the Schedule in the manner and to the extent中国环境保护网o:v2QRK

中国环境保护网&PKb Nq!~2\

hereinafter provided.中国环境保护网x Hg ^4ocfF L

-p&X;u0C:~;t` F0By the ________ Insurance Company中国环境保护网{ CsR}I

W0Ep#_(}v0_________________________ Authorised Signature

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Date of Issue:

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,fDJ"E7}S0Place of Issue:中国环境保护网]$T-x3kb

中国环境保护网9Md/Cx;u7nn#{1J

SCHEDULE中国环境保护网-T1|7?Mr1h~&mK4J

中国环境保护网 Mc;k&K&D?AL"z?{

Policy No.:

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1. Name and Address of the Insured中国环境保护网 @Pq+_ E

中国环境保护网o!T;p"} D[1S)V

1.1 The Insured:中国环境保护网)~ V u9kU-\8i)rw)i_

中国环境保护网~Z$|)|Ydj

1.2 Address:中国环境保护网-H.l#N!kZ7v uFZ

中国环境保护网 r#}[I N

2. Location of the Property Insured:

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Q@B*x"?+W4J@x03. Nature of Trade:中国环境保护网s[xp]Y R

中国环境保护网oJ#V2a+D0Jk~ s~

4. Insured Items and Sums Insured:

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Insured Items Sums Insured

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4.1 Property Insured中国环境保护网Z8TmS"gt

4J:SW4Fp(J6Y f04.1.1 Building(s) (including decoration):

ci se0C_"Q3u0 中国环境保护网/jm'n(Y&_&L+MQ)AYI

4.1.2 Machinery and Equipment:

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4.1.3 Furniture and Fixture:中国环境保护网\j2})J9Qq:A

中国环境保护网G)XfR%x

(including office equipment and supplies)中国环境保护网 q#g+Z+g9o9L%x9R

\A;D.^6v f/W8|.@O04.1.4 Stock:

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_g"C2@1y1`\04.1.5 Others:

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4eS?Y"p1If04.2 Additional Expenses:中国环境保护网oJh+A(\h0Y-dr5D

r;j7NC'J04.2.1 Removal of Debris fees:

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iNi-}/ap+f R1J04.2.2 Fire Extinguishing Expenses:

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6}:\R'S S*vo04.2.3 Professional Fees:中国环境保护网(w!IG"o};}Szu0N

q#b7|"HW9_04.2.4 Other Expenses:中国环境保护网l&s Z1U?6q X3C

中国环境保护网9[ V4Fwc?

Total Sum Insured:

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5. Deductible (any one accident):中国环境保护网C1V O x9tApD

中国环境保护网_9t9DE9XjF

6. Period of Insurance: ___ months.

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from 00:00 of _________ to 24:00 hours of ______

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1h HP0r7A;F1Z07. Premium Rate:中国环境保护网Rc1?(_2B,ZZ"?!S

F'V0u+o,za:Pr0Total Premium:中国环境保护网KU,cT$rAN0o ]8}

中国环境保护网_G ]hw3YG6B

8. Date of Payment:中国环境保护网7fY#hzp2a@^ [G

.u4W*`&[U}09. Jurisdiction:中国环境保护网 V!JWQR|2i

中国环境保护网d{r!DO1St9n

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

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'n&x6x|Ob.D!EABD"p010. Special Provisions:中国环境保护网q5SC8E0F P7s ?)l

c&j5p#wWd/s.^0PROPERTY INSURANCE POLICYS SCHEDULE

3v yi `!aA0 中国环境保护网%t:X)A{\D EbL

_________ Insurance Company中国环境保护网VrAyR0XjM"?B*{h

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