財產保險合同格式涉外模板

財產保險協(xié)議格式（涉外）【題注】【章名】一、保險財產保險財產指在本保險單明細表中列明財產及費用。經被保險人尤其申請,并經本企業(yè)書面同意,下列物品及費用經專業(yè)人員或公估部門判定并確定價值后,亦可作為保險財產:（一）金銀、珠寶、鉆石、玉器;（二）古玩、古幣、古書、古畫;（三）藝術作品、郵票;（四）建筑物上廣告、天線、霓虹燈、太陽能裝置等;（五）計算機資料及其制作、復制費用。下列物品一律不得作為保險財產:（一）槍支彈藥、爆炸物品;（二）現(xiàn)鈔、有價證券、票據(jù)、文件、檔案、帳冊、圖紙;（三）動物、植物、農作物;（四）便攜式通訊裝置、電腦設備、攝影攝像器材及其她珍貴物品;（五）用于公共交通車輛?！菊旅慷⒇熑畏秶诒颈ｋU期限內,若本保險單明細表中列明保險財產因以下列明風險造成直接物質損壞或滅失（以下簡稱“損失”）,本企業(yè)同意根據(jù)本保險單要求負責賠償。（一）火災;（二）爆炸,但不包含鍋爐爆炸;（三）雷電;（四）颶風、臺風、龍卷風;（五）風暴、暴雨、洪水但不包含正常水位改變、海水倒灌及水庫、運河、堤壩在正常水位線以下排水和滲漏,亦不包含因為風暴、暴雨或洪水造成存放在露天或使用蘆席、蓬布、茅草、油毛氈、塑料膜或尼龍等作罩棚或覆蓋保險財產損失;（六）冰雹;（七）地崩、山崩、雪崩;（八）火山爆發(fā);（九）地面下陷下沉,但不包含因為打樁、地下作業(yè)及挖掘作業(yè)引發(fā)地面下陷下沉;（十）飛機墜毀、飛機部件或飛行物體墜落;（十一）水箱、水管爆裂,但不包含因為銹蝕引發(fā)水箱、水管爆裂。【章名】三、除外責任本企業(yè)對下列各項不負責賠償:（一）被保險人及其代表有意行為或重大過失引發(fā)任何損失和費用;（二）地震、海嘯引發(fā)損失和費用;（三）貶值、喪失市場或使用價值等其她后果損失;（四）戰(zhàn)爭、類似戰(zhàn)爭行為、敵對行為、武裝沖突、恐怖活動、謀反、政變、罷工、暴亂、民眾騷亂引發(fā)損失和費用;（五）政府命令或任何公共當局沒收、征用、銷毀或毀壞;（六）核裂變、核聚變、核武器、核材料、核幅射以及放射性污染引發(fā)任何損失和費用;（七）大氣、土地、水污染及其她多種污染引發(fā)任何損失和費用,但不包含由于本保險單第二條責任范圍列明風險造成污染引發(fā)損失;（八）本保險單明細表或相關條款中要求應由被保險人自行負擔免賠額;（九）其她不屬于本保險單第二條責任范圍列明風險引發(fā)損失?！菊旅克?、賠償處理（一）假如發(fā)生本保險責任范圍內損失,本企業(yè)選擇下列方法賠償:１．按受損財產價值賠償;２．賠付受損財產基礎恢復原狀修理、修復費用;３．修理、恢復受損財產,使之達成與同類財產基礎一致情況。（二）受損財產賠償按損失當初市價計算。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百分比計算。如本保險所載項目不止一項時,賠款按本要求逐項計算。（三）保險項目發(fā)生損失后,如本企業(yè)按全部損失賠付,其殘值應在賠款中扣除,本企業(yè)有權不接收被保險人對受損財產委付。（四）任何屬于成對或成套項目,若發(fā)生損失,本企業(yè)賠償責任不超出該受損項目在所屬整對或整套項目保險金額中所占百分比。（五）發(fā)生損失后,被保險人為降低損失而采取必需方法所產生合理費用,本企業(yè)可給予賠償,但本項費用以保險財產保險金額為限。（六）本企業(yè)賠償損失后,由本企業(yè)出具批單將保險金額從損失發(fā)生之日起對應降低,而且不退還保險金額降低部分保險費。如被保險人要求恢復至原保險金額,應按約定保險費率加繳恢復部分從損失發(fā)生之日起至保險期限終止之日止按日百分比計算保險費。（七）被保險人索賠期限,從損失發(fā)生之日起,不得超出兩年?！菊旅课濉⒈槐ｋU人義務被保險人及其代表應嚴格推行下列義務:（一）投保時,被保險人及其代表應對投保申請書中列明事項以及本企業(yè)提出其她事項作真實、詳盡說明或描述;（二）被保險人及其代表應依據(jù)本保險單明細表和批單中要求按期繳付保險費;（三）在保險期限內,被保險人應采取一切合理預防方法,包含認真考慮并付諸實施本企業(yè)代表提出合理防損提議,由此產生一切費用,均由被保險人負擔;（四）在發(fā)生引發(fā)或可能引發(fā)本保險單項下索賠損失時,被保險人及其代表應:１．立刻通知本企業(yè),并在七天或經本企業(yè)書面同意延長久限內以書面提供事故發(fā)生經過,原因和損失程度;２．采取一切必需方法預防損失深入擴大并將損失降低到最低程度;３．在本企業(yè)代表或檢驗師進行勘查之前,保留事故現(xiàn)場及相關實物證據(jù);４．依據(jù)本企業(yè)要求提供作為索賠依據(jù)全部證實文件、資料和單據(jù)?！菊旅苛?、總則（一）保單效力被保險人嚴格地遵守和推行本保險單各項要求,是本企業(yè)在本保險單項下負擔賠償責任先決條件。（二）保單無效假如被保險人或其代表漏報、錯報、虛報或隱瞞相關本保險實質性內容,則本保險單無效。（三）保單終止除非經本企業(yè)書面同意,本保險單將在下列情況下自動終止:１．被保險人喪失保險利益;２．承保風險擴大。本保險單終止后,本企業(yè)將按日百分比退還被保險人本保險單項下未到期部分保險費。（四）保單注銷被保險人可隨時書面申請注銷本保險單,本企業(yè)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保險費,前者本企業(yè)按短期費率計收,后者按日百分比計收。（五）權益喪失假如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有意行為或縱容所致,被保險人將喪失其在本保險單項下全部權益。對由此產生包含本企業(yè)已支付賠償在內一切損失,應由被保險人負責賠償。（六）合理查驗本企業(yè)代表有權在任何合適時候對保險財產風險情況進行現(xiàn)場查驗。被保險人應提供一切便利及本企業(yè)要求用以評定相關風險詳情和資料。但上述查驗并不組成本企業(yè)對被保險人任何承諾。（七）反復保險本保險單負責賠償損失、費用或責任時,若另有其她保障相同保險存在,不管是否由被保險人或她人以其名義投保,也不管該保險賠償是否,本企業(yè)僅負責按百分比分攤賠償責任。（八）權益轉讓若本保險單項下負責損失包含其她責任方時,不管本企業(yè)是否已賠償被保險人,被保險人應立刻采取一切必需方法行使或保留向該責任方索賠權利。在本企業(yè)支付賠償后,被保險人應將向該責任方追償權利轉讓給本企業(yè),移交一切必需單證,并幫助本企業(yè)向責任方追償。（九）爭議處理被保險人與本企業(yè)之間一切相關本保險爭議應經過友好協(xié)商處理。假如協(xié)商不成,可申請仲裁或向法院提出訴訟。除事先另有協(xié)議外,仲裁或訴訟應在被告方所在地進行?！菊旅科?、尤其條款下列尤其條款適適用于本保險單各個部分,若其與本保險單其她要求相沖突,則以下列尤其條款為準?！菊旅控敭a保險單保險單號碼:鑒于本保險單明細表中列明被保險人向＿＿＿＿＿＿保險企業(yè)（以下簡稱“本企業(yè)”）提交書面投保申請和相關資料（該投保申請及資料被視作本保險單有效組成部分）,并向本企業(yè)繳付了本保險單明細表中列明保險費,本企業(yè)同意按本保險單要求負責賠償在本保險單明細表中列明保險期限內被保險人保險財產遭受損壞或滅失,特立本保險單為憑。＿＿＿＿＿＿保險企業(yè)＿＿＿＿＿＿授權簽字簽發(fā)日期:＿＿年＿＿月＿＿日簽發(fā)地點:明細表保險單號碼:一、被保險人名稱和地址:二、保險財產地址:三、營業(yè)性質:四、保險項目及保險金額項目保險金額（一）保險財產１．建筑物（包含裝修）:２．機器設備:３．裝置、家俱及辦公設施或用具:４．倉儲物品:５．其她:（二）附加費用１．清除殘骸費用:２．滅火費用:３．專業(yè)費用:４．其她費用:總保險金額:五、每次事故免賠額:六、保險期限:共＿＿＿個月。自＿＿＿年＿＿月＿＿日零時起,至＿＿＿年＿＿月＿＿日二十四時止。七、保險費率:總保險費:八、付費日期:九、司法管轄本保險單受中國司法管轄十、尤其條款財產險保單明細表＿＿＿＿＿＿保險企業(yè)

【名稱】PROPERTYINSURANCECLAUSES【題注】【章名】WholeDoc.【章名】I.THEPROPERTYINSUREDThepropertyinsuredshallrefertoallpropertiesandexpensesspe-cifiedintheScheduleofthisPolicy.UnlessspecificallyagreeduponinwritingbetweentheInsuredandtheCompanyandappraisedandvalue-establishedbyprofessionalsorassessors,thefollowingarticlesandtheexpensesrelevanttheretoshallnotbecoveredunderthisPolicy:1.gold,silver,pearls,diamonds,preciousstonesandjades;2.antiques,articlesofvirtue,ancientcoins,ancientbooksandancientpaintings;3.worksofartorpostagestamps;4.advertisements,aerials,neon,piecesofsolarenergyapparatusetc.onbuildings;5.computersystemrecordsoritsmakingandcopyingcosts.Undernocircumstancesshallthefollowingarticlesrelevanttheretobecoveredhereunder:1.guns,ammunitionorexplosives;2.banknotes,securities,bills,documents,files,accountbooksordrawings;3.animals,plantsandagriculturalcrops;4.mobilephones,portablecomputers,removablephotographapparatusorotherpreciousarticles;5.vehicleslicensedforgeneraltransportuse.【章名】II.SCOPEOFCOVERTheCompanyshallindemnifytheInsuredinrespectofthephysicallossofordamagetotheinsuredpropertystatedintheScheduleduringtheperiodofinsurancedirectlyarisingfromthefollowingperils:1.fire;2.explosion;butnotincludingexplosionofaboilerorotherpressurereliefdevices;3.lightning;4.hurricane,typhoonandtornado;5.storm,tempestandflood;butnotincludinglossordamagecausedbychangeinnormalwaterlevelorinundationfromseawaterorwaterescapeorleakagefromthenormalconfinesofanynaturalwatercourse,lakeorreservoir,canalordamaswellaslossofordamagetotheinsuredpropertycausedbystorm,tempestorfloodwhilebeingstoredintheopenorcoveredbyorunderashedthatchedwithreeds,tarpaulins,straw,asphaltfelt,plasticornylonsheet;6.hailstorm;7.landslide,rockslide,avalanche;8.volcanicexplosion;9.subsidenceofground;butnotincludinglossordamageresultingfrompiledriving,groundworkorexcavation;10.crashingaircraftandpartsorarticlesfallingfromaircraftandotherflyingobjects;11.burstingofwatertankorpipe;butnotincludingburstingofwatertankorpipeduetorust.【章名】III.EXCLUSIONSThisCompanyshallnotbeliablefor:1.lossofordamagetotheinsuredpropertyorexpensescausedbyintentionalactorgrossnegligenceoftheInsuredorhisrepresentative;2.lossofordamagetotheinsuredpropertycausedandexpensesincurredbyearthquakeortsunami;3.depreciation,lossofmarket,lossofuseandotherconsequentiallossesofanydescription;4.lossofordamagetotheinsuredpropertyorexpensesincurredarisingfromwar,warlikeoperation,hostilities,armedconflicts,terrorism,conspiracyinsurrection,coupd'etat,strike,riot,andcivilcommotion;5.confiscation,requisition,destructionordamagebyanyactionororderofanygovernmentdejureordefactoorbyanypublicauthorities;6.lossofordamagetoinsuredpropertydirectlyorindirectlycausedorexpensesincurredbynuclearfission,nuclearfusion,nuclearweapon,nuclearmaterial,nuclearradiationandradioactivecontamination;7.lossordamagecausedandexpensesincurredbypollutionofanykindordescriptionwhatsoeversuchasatmosphere,landandwaterpollutionsbutthisdoesnotincludelossordamagecausedbypollutionarisingfromPERILSspecifiedinArticleIIthePolicy;8.thedeductiblesstatedintheScheduletobebornebytheInsured;9.lossordamagearisingfromanyotherperilsnotlistedinArticleIIofthisPolicy.【章名】IV.TREATMENTOFCLAIM1.TheCompanyshallatitsoption,indemnifytheInsuredinrespectoflossordamagefallingwithintheScopeofCoverofthePolicybyeither:1.1payingtheamountoftheactualvalueofthepropertylostordamagedor;1.2payingthenecessarycostofrepairingorrestoringthedamagedpropertytoitsnearestconditionimmediatelyprecedingthedamageor;1.3repairingorrestoringthedamagedpropertytoaconditionneartootherpropertyoflikekindandquality.2.IndemnityunderthisPolicyshallbebaseduponthesoundmarketvalueofthepropertyprevailingatthetimeofloss.Ifthesoundmarketvalueofthedamagedpropertyislowerthanthesuminsuredofsuchproperty,theclaimshallbesettledonitsmarketvalue;Ifthesoundmarketvalueofthepropertyisinexcessofthesuminsured,theCompanyshallonlybeliableforsuchproportionoftheclaimasthesuminsuredofthedamagedpropertybearstoitssoundmarketvalue.IftheinsuredpropertyenumeratedintheScheduleismorethanoneitem,theprovisionofthisclauseshallapplytoeachthereof.3.Ifaclaimforlossofordamagetotheinsureditemissettledonatotallossbasis,thesalvagevalueofsuchitemshallbedeductedfromtheindemnitypayablebytheCompany.TheCompanymay,atitsoption,declinetheabandonmentofanydamagedpropertybytheInsured.4.Intheeventoflossofordamagetoanyequipmentiteminsuredformingpartofapairorset,theCompanyshallnotbeliableinrespectofeachofsuchitemlostordamagedformorethanitsproportionatepartofthesuminsuredonthecompletepairorset.5.Intheeventofanylossoccurrence,theCompanyshallalsopaytheInsuredfortheexpensesreasonablyincurredfortakingnecessarymeasurestominimizelossordamagetotheleastextent,butinnocaseshallsuchexpensesreferredheretoexceedthesuminsuredoftheinsuredproperty.6.Uponsettlementofaclaim,anendorsementshallbeissuedbytheCompanytoreducethesuminsuredcorrespondingtothepropertylostordamagedbytheamountsosettledfromthedateofloss,andnopremiumshallberefundedfortheamountsoreduced.IfreinstatementofthesuminsuredisrequiredbytheInsureduponsettlementoftheclaim,anadditionalpremiumforthereinstatedamountshallbechargedatanagreedrate,andbecalculatedonproratadailybasisfromthedateoflosstotheexpiryoftheinsurance.7.Thetimeofvalidityofaclaimunderthisinsuranceshallnotexceedaperiodoftwoyearcountingfromthedateofloss.【章名】V.INSURED'SOBLIGATIONSThefollowingObligationsshallbestrictlyfulfilledbytheInsuredandhisrepresentative:1.TheInsuredandhisrepresentative,whenapplyingforinsuranceshallmaketrueanswersordescriptionstothequestionsintheProposalandQuestionnaireortoanyotherquestionsraisedbytheCompany.2.TheInsuredandhisrepresentativeshallpaytotheCompanyinduecoursetheagreedpremiuminthemannerasprovidedintheScheduleandEndorsements.3.Duringtheperiodofthisinsurance,theInsuredshallathisownexpensetakeallreasonableprecautions,includingpayingsufficientattentiontoandputtingintopracticethereasonablerecommendationsoftheCompany,prudentlyselectingtheworkmenandemployeesandcomplyingwithallstatutoryregulationsandsafetyoperationprocedures.4.IntheeventofanyoccurrencewhichgivesormightgiverisetoaclaimunderthisPolicy,theInsuredorhisrepresentativeshall:4.1notifytheCompanyimmediatelyandwithinseven(7)daysoranyfurtherperiodasmaybeagreedbytheCompanyinwriting,furnishawrittenreporttoindicatethecourse,probablereasonandextentoflossordamage;4.2takeallnecessarymeasurestoavoidaggravationofthelossordamageandminimizeittotheleastextent;4.3preservethespotaffectedanddefectivepartsbeforeaninspectioniscarriedoutbyarepresentativeorsurveyorfromtheCompany;4.4furnishallsuchinformationanddocumentaryevidenceastheCompanymayrequireforsupportingtheclaim.【章名】VI.GENERALCONDITIONS1.PolicyEffectThedueobservanceandfulfilmentofthetermsandconditionsofthisPolicyinsofarastheyrelatetoanythingtobedoneorcompliedwithbytheInsuredshallbeaconditionprecedenttoanyliabilityoftheCompanyunderthisPolicy.2.PolicyVoidanceThisPolicyshallbevoidableintheeventofmisrepresentation,misdescriptionornon-disclosuremadebytheInsuredorhisrepresentativeinanymaterialparticularinrespectofthisinsurance.3.PolicyTerminationUnlessitscontinuancebeadmittedbytheCompanyinwriting,thisPolicyshallbeautomaticallyterminatedif:3.1theinsurableinterestoftheInsuredislost;3.2theriskoflossordamageisincreased.AfterterminationofthePolicy,thepremiumshallberefundedtotheInsuredcalculatedonproratadailybasisfortheperiodfromthedateofterminationtothedateofexpiry.4.PolicyCancellationThisPolicymaybecanceledatanytimeattherequestoftheInsuredinwritingorattheoptionoftheCompanybygivingafifteen(15)dayspriornoticetotheInsured.IntheformercasetheCompanyshallretainapremiumcalculatedonshorttermratebasisforthetimethePolicyhasbeeninforcewhileinthelattercasesuchpremiumshallbecalculatedonproratadailybasis.5.ForfeitofBenefitIftheclaimisinanyrespectfraudulent,orifanyfraudulentmeansordevicesareusedbytheInsuredorhisrepresentativetoobtainanybenefitunderthisPolicyorifanylossordamageisoccasionedbytheintentionalactorintheconnivanceoftheInsuredorhisrepresentative,theninanyofthesecases,alltherightsandbenefitsoftheInsuredunderthisPolicyshallbeforfeited,andallconsequentlossesarisingtherefromincludingtheamountofclaimpaidbytheCompanyshallbeindemnifiedbytheInsured.6.ReasonableInspectionTherepresentativeoftheCompanyshallatanysuitabletimebeentitledtoattendthesiteandinspectorexaminetheriskexplosureofthepropertyinsured.Forthispurpose,theInsuredshallprovidefullassistanceandalldetailsandinformationrequiredbytheCompanyasmaybenecessaryfortheassessmentoftherisk.TheabovementionedinspectionorexaminationshallinnocircumstancesbeheldasanyadmissiontotheInsuredbytheCompany.7.DoubleInsuranceShouldanyloss,damage,expensesorliabilityrecoverableunderthePolicybealsocoveredbyanyotherinsurance,theCompanyshallonlybeliabletopayorcontributehisproportionoftheclaimirrespectiveastowhethertheotherinsuranceisarrangedbytheInsuredorothersonhisbehalf,orwhetheranyindemnificationisobtainableundersuchotherinsurance.8.SubrogationWhereathirdpartyshallbeheldresponsibleforthelossordamagecoveredunderthisPolicy,theInsuredshall,whetherbeingindemnifiedbytheCompanyornot,takeallnecessarymeasurestoenforceorreservetherightofrecoveryagainstsuchthirdparty,anduponbeingindemnifiedbytheCompany,subrogatetotheCompanyalltherightofrecovery,transferallnecessarydocumentstoandassisttheCompanyinpursuingrecoveryfromtheresponsibleparty.9.DisputeAlldisputesunderthisinsurancearisingbetweentheInsuredandtheCompanyshallbesettledthroughfriendlynegotiations.Wherethetwopartiesfailtoreachanagreementafternegotiations,suchdisputeshallbesubmittedtoarbitrationortocourtforlegalactions.Unlessotherwiseagreed,sucharbitrationorlegalactionshallbecarriedoutintheplacewherethedefendantisdomiciled.【章名】VII.SPECIALPROVISIONSThefollowingprovisionsshallbeappliedtoallpartsofthisPolicyandshalloverridetheothertermsandcondition