网站首页  词典首页

请输入您要查询的问题：

　

问题 财产保险合同格式（涉外）(附英文)
释义
    一、保险财产
    保险财产指在本保险单明细表中列明的财产及费用。
    经保险或向法院提出诉讼。除事先另有协议外，仲裁或诉讼应在被告方所在地进行。
    七、特别条款
    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。
    财产保险单
    保险单号码：
    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。
    ______保险公司
    ______
    授权签字
    签发日期：__年__月__日
    签发地点：
    明 细 表
    保险单号码：
    一、被保险人名称和地址：
    二、保险财产地址：
    三、营业性质：
    四、保险项目及保险金额
    项 目 保险金额
    (一)保险财产
    1.建筑物(包括装修)：
    2.机器设备：
    3.装置、家俱及办公设施或用品：
    4.仓储物品：
    5.其他：
    (二)附加费用
    1.清除残骸费用：
    2.灭火费用：
    3.专业费用：
    4.其他费用：
    总保险金额：
    五、每次事故免赔额：
    六、保险期限：共___个月。
    自___年__月__日零时起，至___年__月__日二十四时止。
    七、保险费率：
    总保险费：
    八、付费日期：
    九、司法管辖
    本保险单受中华人民共和国的司法管辖
    十、特别条款
    财产险保单明细表
    ______保险公司
    PROPERTY INSURANCE CLAUSES
    Whole Doc.
    I. THE PROPERTY INSURED
    The property insured shall refer to all properties and expenses spe-
    cified in the Schedule of this Policy.
    Unless specifically agreed upon in writing between the Insured and the
    Company and appraised and value-established by professionals or assessors,
    the following articles and the expenses relevant thereto shall not be
    covered under this Policy:
    1. gold, silver, pearls, diamonds, precious stones and jades;
    2. antiques, articles of virtue, ancient coins, ancient books and
    ancient paintings;
    3. works of art or postage stamps;
    4. advertisements, aerials, neon, pieces of solar energy apparatus
    etc. on buildings;
    5. computer system records or its making and copying costs.
    Under no circumstances shall the following articles relevant thereto
    be covered hereunder:
    1. guns, ammunition or explosives;
    2. banknotes, securities, bills, documents, files, account books or
    drawings;
    3. animals, plants and agricultural crops;
    4. mobile phones, portable computers, removable photograph apparatus
    or other precious articles;
    5. vehicles licensed for general transport use.
    II. SCOPE OF COVER
    The Company shall indemnify the Insured in respect of the physical
    loss of or damage to the insured property stated in the Schedule during
    the period of insurance directly arising from the following perils:
    1. fire;
    2. explosion;
    but not including explosion of a boiler or other pressure relief
    devices;
    3. lightning;
    4. hurricane, typhoon and tornado;
    5. storm, tempest and flood;
    but not including loss or damage caused by change in normal water
    level or inundation from sea water or water escape or leakage from the
    normal confines of any natural water course, lake or reservoir, canal or
    dam as well as loss of or damage to the insured property caused by storm,
    tempest or flood while being stored in the open or covered by or under a
    shed thatched with reeds, tarpaulins, straw, asphalt felt, plastic or
    nylon sheet;
    6. hailstorm;
    7. landslide, rockslide, avalanche;
    8. volcanic explosion;
    9. subsidence of ground;
    but not including loss or damage resulting from pile driving,
    groundwork or excavation;
    10. crashing aircraft and parts or articles falling from aircraft and
    other flying objects;
    11. bursting of water tank or pipe;[page]
    but not including bursting of water tank or pipe due to rust.
    III. EXCLUSIONS
    This Company shall not be liable for:
    1. loss of or damage to the insured property or expenses caused by
    intentional act or gross negligence of the Insured or his representative;
    2. loss of or damage to the insured property caused and expenses
    incurred by earthquake or tsunami;
    3. depreciation, loss of market, loss of use and other consequential
    losses of any description;
    4. loss of or damage to the insured property or expenses incurred
    arising from war, warlike operation, hostilities, armed conflicts,
    terrorism, conspiracy insurrection, coup d\'etat, strike, riot, and civil
    commotion;
    5. confiscation, requisition, destruction or damage by any action or
    order of any government de jure or de facto or by any public authorities;
    6. loss of or damage to insured property directly or indirectly caused
    or expenses incurred by nuclear fission, nuclear fusion, nuclear weapon,
    nuclear material, nuclear radiation and radioactive contamination;
    7. loss or damage caused and expenses incurred by pollution of any
    kind or description whatsoever such as atmosphere, land and water
    pollutions but this does not include loss or damage caused by pollution
    arising from PERILS specified in Article II the Policy;
    8. the deductibles stated in the Schedule to be borne by the Insured;
    9. loss or damage arising from any other perils not listed in Article
    II of this Policy.
    IV. TREATMENT OF CLAIM
    1. The Company shall at its option, indemnify the Insured in respect
    of loss or damage falling within the Scope of Cover of the Policy by
    either:
    1.1 paying the amount of the actual value of the property lost or
    damaged or;
    1.2 paying the necessary cost of repairing or restoring the damaged
    property to its nearest condition immediately preceding the damage or;
    1.3 repairing or restoring the damaged property to a condition near to
    other property of like kind and quality.
    2. Indemnity under this Policy shall be based upon the sound market
    value of the property prevailing at the time of loss. If the sound market
    value of the damaged property is lower than the sum insured of such
    property, the claim shall be settled on its market value; If the sound
    market value of the property is in excess of the sum insured, the Company
    shall only be liable for such proportion of the claim as the sum insured
    of the damaged property bears to its sound market value. If the insured
    property enumerated in the Schedule is more than one item, the provision
    of this clause shall apply to each thereof.
    3. If a claim for loss of or damage to the insured item is settled on
    a total loss basis, the salvage value of such item shall be deducted from
    the indemnity payable by the Company. The Company may, at its option,
    decline the abandonment of any damaged property by the Insured.
    4. In the event of loss of or damage to any equipment item insured
    forming part of a pair or set, the Company shall not be liable in respect
    of each of such item lost or damaged for more than its proportionate part
    of the sum insured on the complete pair or set.
    5. In the event of any loss occurrence, the Company shall also pay the
    Insured for the expenses reasonably incurred for taking necessary measures
    to minimize loss or damage to the least extent, but in no case shall such
    expenses referred hereto exceed the sum insured of the insured property.
    6. Upon settlement of a claim, an endorsement shall be issued by the
    Company to reduce the sum insured corresponding to the property lost or
    damaged by the amount so settled from the date of loss, and no premium
    shall be refunded for the amount so reduced. If reinstatement of the sum
    insured is required by the Insured upon settlement of the claim, an
    additional premium for the reinstated amount shall be charged at an agreed
    rate, and be calculated on pro rata daily basis from the date of loss to
    the expiry of the insurance.
    7. The time of validity of a claim under this insurance shall not
    exceed a period of two year counting from the date of loss.
    V. INSURED\'S OBLIGATIONS
    The following Obligations shall be strictly fulfilled by the Insured
    and his representative:
    1. The Insured and his representative, when applying for insurance
    shall make true answers or descriptions to the questions in the Proposal
    and Questionnaire or to any other questions raised by the Company.
    2. The Insured and his representative shall pay to the Company in due[page]
    course the agreed premium in the manner as provided in the Schedule and
    Endorsements.
    3. During the period of this insurance, the Insured shall at his own
    expense take all reasonable precautions, including paying sufficient
    attention to and putting into practice the reasonable recommendations of
    the Company, prudently selecting the workmen and employees and complying
    with all statutory regulations and safety operation procedures.
    4. In the event of any occurrence which gives or might give rise to a
    claim under this Policy, the Insured or his representative shall:
    4.1 notify the Company immediately and within seven (7) days or any
    further period as may be agreed by the Company in writing, furnish a
    written report to indicate the course, probable reason and extent of loss
    or damage;
    4.2 take all necessary measures to avoid aggravation of the loss or
    damage and minimize it to the least extent;
    4.3 preserve the spot affected and defective parts before an
    inspection is carried out by a representative or surveyor from the
    Company;
    4.4 furnish all such information and documentary evidence as the
    Company may require for supporting the claim.
    VI. GENERAL CONDITIONS
    1. Policy Effect
    The due observance and fulfilment of the terms and conditions of this
    Policy in so far as they relate to anything to be done or complied with by
    the Insured shall be a condition precedent to any liability of the Company
    under this Policy.
    2. Policy Voidance
    This Policy shall be voidable in the event of misrepresentation,
    misdescription or non-disclosure made by the Insured or his representative
    in any material particular in respect of this insurance.
    3. Policy Termination
    Unless its continuance be admitted by the Company in writing, this
    Policy shall be automatically terminated if:
    3.1 the insurable interest of the Insured is lost;
    3.2 the risk of loss or damage is increased.
    After termination of the Policy, the premium shall be refunded to the
    Insured calculated on pro rata daily basis for the period from the date of
    termination to the date of expiry.
    4. Policy Cancellation
    This Policy may be canceled at any time at the request of the Insured
    in writing or at the option of the Company by giving a fifteen (15) days
    prior notice to the Insured. In the former case the Company shall retain a
    premium calculated on short term rate basis for the time the Policy has
    been in force while in the latter case such premium shall be calculated on
    pro rata daily basis.
    5. Forfeit of Benefit
    If the claim is in any respect fraudulent, or if any fraudulent means
    or devices are used by the Insured or his representative to obtain any
    benefit under this Policy or if any loss or damage is occasioned by the
    intentional act or in the connivance of the Insured or his representative,
    then in any of these cases, all the rights and benefits of the Insured
    under this Policy shall be forfeited, and all consequent losses arising
    therefrom including the amount of claim paid by the Company shall be
    indemnified by the Insured.
    6. Reasonable Inspection
    The representative of the Company shall at any suitable time be
    entitled to attend the site and inspect or examine the risk explosure of
    the property insured. For this purpose, the Insured shall provide full
    assistance and all details and information required by the Company as may
    be necessary for the assessment of the risk. The above mentioned
    inspection or examination shall in no circumstances be held as any
    admission to the Insured by the Company.
    7. Double Insurance
    Should any loss, damage, expenses or liability recoverable under the
    Policy be also covered by any other insurance, the Company shall only be
    liable to pay or contribute his proportion of the claim irrespective as to
    whether the other insurance is arranged by the Insured or others on his
    behalf, or whether any indemnification is obtainable under such other
    insurance.
    8. Subrogation
    Where a third party shall be held responsible for the loss or damage
    covered under this Policy, the Insured shall, whether being indemnified by
    the Company or not, take all necessary measures to enforce or reserve the
    right of recovery against such third party, and upon being indemnified by
    the Company, subrogate to the Company all the right of recovery, transfer
    all necessary documents to and assist the Company in pursuing recovery
    from the responsible party.[page]
    9. Dispute
    All disputes under this insurance arising between the Insured and the
    Company shall be settled through friendly negotiations. Where the two
    parties fail to reach an agreement after negotiations, such dispute shall
    be submitted to arbitration or to court for legal actions. Unless
    otherwise agreed, such arbitration or legal action shall be carried out in
    the place where the defendant is domiciled.
    VII. SPECIAL PROVISIONS
    The following provisions shall be applied to all parts of this Policy
    and shall override the other terms and conditions of this Policy if any
    conflict arises.
    PROPERTY INSURANCE POLICY
    Policy No.:
    WHEREAS THE INSURED named in the Schedule hereto has made to the
    ______ Insurance Company (hereinafter called ""the Company"") a written
    Proposal which together with any other statements made by the insured for
    the purpose of this Policy is deemed to be incorporated herein and has
    paid to the Company the premium stated in the Schedule.
    NOW THIS POLICY OF INSURANCE WITNESSES that subject to the terms and
    conditions contained herein or endorsed hereon the Company shall indemnify
    the insured for the loss or damage sustained during the period of
    insurance stated in the Schedule in the manner and to the extent
    hereinafter provided.
    By the ________ Insurance Company
    _________________________ Authorised Signature
    Date of Issue:
    Place of Issue:
    SCHEDULE
    Policy No.:
    1. Name and Address of the Insured
    1.1 The Insured:
    1.2 Address:
    2. Location of the Property Insured:
    3. Nature of Trade:
    4. Insured Items and Sums Insured:
    Insured Items Sums Insured
    4.1 Property Insured
    4.1.1 Building(s) (including decoration):
    4.1.2 Machinery and Equipment:
    4.1.3 Furniture and Fixture:
    (including office equipment and supplies)
    4.1.4 Stock:
    4.1.5 Others:
    4.2 Additional Expenses:
    4.2.1 Removal of Debris fees:
    4.2.2 Fire Extinguishing Expenses:
    4.2.3 Professional Fees:
    4.2.4 Other Expenses:
    Total Sum Insured:
    5. Deductible (any one accident):
    6. Period of Insurance: ___ months.
    from 00:00 of _________ to 24:00 hours of ______
    7. Premium Rate:
    Total Premium:
    8. Date of Payment:
    9. Jurisdiction:
    This Policy is governed by law of the People\'s Republic of China.
    10. Special Provisions:
    PROPERTY INSURANCE POLICY\'S SCHEDULE
    _________ Insurance Company
随便看

　

法律咨询问答库收录2074234条法律问答词条，基本涵盖了全部常用法律问题的释义及解析，是法律学习是实务的有利工具。

　

Copyright © 2004-2024 eaola.com All Rights Reserved
更新时间：2024/12/30 1:53:16