大地-財產(chǎn)一切險條款中英文

1、財產(chǎn)一切險條款經(jīng)被保險人特別申請， 并經(jīng)本公司書面同意， 下列物品及費(fèi)用經(jīng)專業(yè)人員或公估部門鑒在本保險期限內(nèi)，若本保險單明細(xì)表中列明的保險財產(chǎn)因自然災(zāi)害或意外事故造成的直接物質(zhì)損壞或火失（以下簡稱“損失”）定義：自然災(zāi)害：指雷電、颶風(fēng)、臺風(fēng)、龍卷風(fēng)、風(fēng)暴、暴雨、洪水、水災(zāi)、凍災(zāi)、冰雹、地 崩、山崩、雪崩、火山爆發(fā)、地面下陷下沉及其他人力不可抗拒的破壞力強(qiáng)大的自然現(xiàn)象。意外事故：指不可預(yù)料的以及被保險人無法控制并造成物質(zhì)損失的突發(fā)性事件，包括火和費(fèi)用;1.2.3.（二）市價低于保險金額時，賠償按市價計算；市價高于保險金額時，賠償按保險金額與市價的比例計算。如本保險所載項目不止一項（三）如本公司按

2、全部損失賠付，其殘值應(yīng)在賠款中扣除，本（四）若發(fā)生損失，本公司的賠償責(zé)任不超過該受損項（五）被保險人為減少損失而采取必要措施所產(chǎn)生的合理費(fèi)用，本公司（六）由本公司出具批單將保險金額從損失發(fā)生之日起相應(yīng)減少，并且不退還保險金額減少部分的保險費(fèi)。如被保險人要求恢復(fù)至原保險金額，應(yīng)按約定的保（一）被保險人及其代表應(yīng)對投保申請書中列明的事項以及本公司提出的其（二）（三）被保險人應(yīng)采取一切合理的預(yù)防措施，包括認(rèn)真考慮并付諸實(shí)（四）被保險人或其代表應(yīng)：1. 并在七天或經(jīng)本公司書面同意延長的期限內(nèi)以書面報告提供事故2.3.4.5.被保險人嚴(yán)格地遵守和履行本保險單的各項規(guī)定，是本公司在本保險單項下承擔(dān)賠償責(zé)如

3、果被保險人或其代表漏報、錯報、虛報或隱瞞有關(guān)本保險的實(shí)質(zhì)性內(nèi)容，則本保險無1.2.本保險單終止后，本公司將按日比例退還被保險人本保險單項下未到期部分的保險費(fèi)。被保險人可隨時書面申請注銷本保險單，本公司亦可提前十五天通知被保險人注銷本保險單。對本保險單已生效期間的保險費(fèi)，前者本公司按短期費(fèi)率計收，后者按日比例計收。如果任何索賠含有虛假成份，或被保險人或其代表在索賠時采取欺詐手段企圖在本保險單項下獲取利益，或任何損失是由被保險人或其代表的故意行為或縱容所致，被保險人將喪失其在本保險單項下的所有權(quán)益。對由此產(chǎn)生的包括本公司已支付的賠款在內(nèi)的一切損失，本公司的代表有權(quán)在任何適當(dāng)?shù)臅r候?qū)ΡｋU財產(chǎn)的風(fēng)險情

4、況進(jìn)行現(xiàn)場查驗(yàn)。被保險人應(yīng)提供一切便利及本公司要求的用以評估有關(guān)風(fēng)險的詳情和資料。但上述查驗(yàn)并不構(gòu)成本公司本保險單負(fù)責(zé)賠償損失、費(fèi)用或責(zé)任時，若另有其它保障相同的保險存在，不論是否由被保險人或他人以其名義投保，也不論該保險賠償與否，本公司僅負(fù)責(zé)按比例分?jǐn)傎r償?shù)呢?zé)若本保險單項下負(fù)責(zé)的損失涉及其他責(zé)任方時，不論本公司是否已賠償被保險人，被保險人應(yīng)立即采取一切必要的措施行使或保留向該責(zé)任方索賠的權(quán)利。在本公司支付賠款后， 被保險人應(yīng)將向該責(zé)任方追償?shù)臋?quán)利轉(zhuǎn)讓給本公司，移交一切必要的單證， 并協(xié)助本公司向被保險人與本公司之間的一切有關(guān)本保險的爭議應(yīng)通過友好協(xié)商解決。如果協(xié)商不成， 可申請仲裁或向法院提

5、出訴訟。除事先另有協(xié)議外，仲裁或訴訟應(yīng)在被告方所在地進(jìn)行。下列特別條款適用于本保險單的各個部分，若其與本保險單的其他規(guī)定相沖突，則以下列特別條款為準(zhǔn)。PROPERTY ALL RISKS INSURANCE CLAUSESI . THE PROPERTY INSUREDThe property insured shall refer to all properties and expenses specified in the Schedule of this Policy.Unless specifically agreed upon in writing between the Insur

6、ed 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 b

7、ooks 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 here under:1. g

8、uns, 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 . COV

9、ERAGEThe 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 arising from any NATURAL HAZARDS or ACCIDENT other than those specifically excluded, in the manner and to the extent hereinafter pr

10、ovided.DEFINITIONSThe words " NATURAL HAZARDS " shall for the purpose of this Policy, mean thunder-and-lightning, hurricane, typhoon, tornado, storm, tempest, flood, inundation, frost, hailstorm, landslide, rockslide, avalanche, volcanic explosion, subsidence of ground and any other phenom

11、ena of nature with strong destructive power and beyond human control.The Word "ACCIDENT "shall for the purpose of this Policy, mean any unforeseen, uncontrollable and sudden event which leads to material damage, including fire and explosion.m. EXCLUSIONSThe Company shall not be liable for:

12、1. loss of or damage to the property insured and expenses arising from faulty design, defective material, or bad workmanship;2. loss of or damage to the insured items themselves or expenses arising therefrom due to wear and tear, inherent or latent defect, change in substance, spontaneous combustion

13、, natural heating, oxidation, rust and corrosion, leakage, mice, insects or vermin, change in atmosphere (climatic or temperature) conditions, change in normal water level or any other progressively operating cause;3. loss of or damage to the mechanical or electrical devices not due to exterior forc

14、es;4. loss of or damage to steam boilers, steam pipes, or other pressure vessel machines or apparatus themselves due to their explosion;5. loss of or damage to electrical or mechanical equipment caused by faulty operation or defective technology on the part of the Insured or any of his employee (s);

15、6. shortage discovered at the time of taking an inventory;7. depreciation, loss of market, loss of use and other consequential loss of any description;8. loss of or damage to the insured property caused by wind, frost, rain water, snow, flood, hailstorm, or dust while being stored in the open or cov

16、ered by or under a shed thatched with reeds, tarpaulins, straw, asphalt felt, plastic or nylon sheet;9. loss of or damage to the insured property caused or expense incurred by earthquake or tsunami;10. loss of or damage to the insured property caused or expenses incurred by intentional act or gross

17、negligence of the Insured or his representative, and burglary by Insured ' s family member or relatives or employees;11. loss of or damage to the insured property caused by failure of public utilities, such as: electricity, gas or water supply or other energy sources except failure caused by NAT

18、URAL HAZARDS or ACCIDENT;12. 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;13. confiscation, requisition, destruction or damage

19、by any action or order of any government de jure or de facto or by any public authorities;14. loss of or damage to insured property directly or indirectly caused or expensesincurred by nuclear fission, nuclear fusion, nuclear weapons, nuclear materials, nuclear radiation and radioactive contaminatio

20、n;15. loss or damage caused or expenses incurred by pollution of any kind or description whatsoever such as atmosphere, land and water pollution but this does not include loss or damage caused by pollution arising from NATURAL HARZARDS or ACCIDENTS;16. the deductibles stated in the Schedule to be bo

21、rne by the Insured.W . TREATMENT OF CLAIM1. The Company shall, at its option, indemnify the Insured in respect of loss or damage falling within the Coverage 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

22、 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 pre

23、vailing 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 proporti

24、on 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

25、 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, th

26、e 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 m

27、easures 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 damag

28、ed 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 calcu

29、lated on pro rata daily basis from the date of loss to the expiry of the insurance.7. The Insured ' s right of recovery under this Policy shall be forfeited should the Insured fail to exercise such a right within two years from the date of the occurrence of the accident, which is known or should

30、 have been known to the Insured.V . OBLIGATIONS OF THE INSUREDThe 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 statements to the questions in the Proposal and Ques

31、tionnaire or to any other questions raised by the Company.2. The Insured and his representative shall pay to the Company in due course the agreed premium in the manner as provided in the Schedule and Endorsements.3. During the period of this insurance, the Insured shall at his own expense take all r

32、easonable 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 regulation and safety operation procedures.4. In the event of any occurrence which g

33、ives 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 beagreed by the Company in writing, furnish a written report to indicate the course, probable reason and extent of lo

34、ss 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 inform the Public Security Bureau im

35、mediately in case of loss or damage due to theft or burglary or malicious acts;4.5 furnish all such information and documentary evidence as the Company may require for supporting the claim.VI. GENERAL CONDITIONS1. Policy EffectThe due observance and fulfilment of the terms and conditions of this Pol

36、icy 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 VoidanceThis Policy shall be voidable in the event of misrepresentation, misdescription or non-disclosure made by the Insured

37、 or his representative in any material particular in respect of this insurance.3. Policy TerminationUnless 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 incre

38、ased.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 CancellationThis Policy may be canceled at any time at the request of the Applicant in writing or at the o

39、ption of the Company by giving a fifteen (15) days prior notice to the Applicant. 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. F

40、orfeit of BenefitIf 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 representat

41、ive, 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 InspectionThe representative of the Compan

42、y shall at any suitable time be entitled to attend the site and inspect or examine the risk exposure 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 InsuranceShould any los