财产保险合同格式涉外模板.doc

财产保险协议格式（涉外）
【题注】
【章名】一、 保险财产
保险财产指在本保险单明细表中列明财产及费用。
经被保险人尤其申请, 并经本企业书面同意, 下列物品及费用经专业人员或公估
部门判定并确定价值后, 亦可作为保险财产:
（一）金银、 珠宝、 钻石、 玉器;
（二）古玩、 古币、 古书、 古画;
（三）艺术作品、 邮票;
（四）建筑物上广告、 天线、 霓虹灯、 太阳能装置等;
（五）计算机资料及其制作、 复制费用。
下列物品一律不得作为保险财产:
（一）枪支弹药、 爆炸物品;
（二）现钞、 有价证券、 票据、 文件、 档案、 帐册、 图纸;
（三）动物、 植物、 农作物;
（四）便携式通讯装置、 电脑设备、 摄影摄像器材及其她珍贵物品;
（五）用于公共交通车辆。
【章名】二、 责任范围
在本保险期限内, 若本保险单明细表中列明保险财产因以下列明风险造成
直接物质损坏或灭失（以下简称“损失”）, 本企业同意根据本保险单要求负责赔
偿。
（一）火灾;
（二）爆炸, 但不包含锅炉爆炸;
（三）雷电;
（四）飓风、 台风、 龙卷风;
（五）风暴、 暴雨、 洪水
但不包含正常水位改变、 海水倒灌及水库、 运河、 堤坝在正常水位线以下排水
和渗漏, 亦不包含因为风暴、 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保险财产损失;
（六）冰雹;
（七）地崩、 山崩、 雪崩;
（八）火山爆发;
（九）地面下陷下沉, 但不包含因为打桩、 地下作业及挖掘作业引发地面下陷
下沉;
（十）飞机坠毁、 飞机部件或飞行物体坠落;
（十一）水箱、 水管爆裂, 但不包含因为锈蚀引发水箱、 水管爆裂。
【章名】三、 除外责任
本企业对下列各项不负责赔偿:
（一）被保险人及其代表有意行为或重大过失引发任何损失和费用;
（二）地震、 海啸引发损失和费用;
（三）贬值、 丧失市场或使用价值等其她后果损失;
（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、 暴乱、 民众骚乱引发损失和费用;
（五）政府命令或任何公共当局没收、 征用、 销毁或毁坏;
（六）核裂变、 核聚变、 核武器、 核材料、 核幅射以及放射性污染引发任何损
失和费用;
（七）大气、 土地、 水污染及其她多种污染引发任何损失和费用, 但不包含由
于本保险单第二条责任范围列明风险造成污染引发损失;
（八）本保险单明细表或相关条款中要求应由被保险人自行负担免赔额;
（九）其她不属于本保险单第二条责任范围列明风险引发损失。
【章名】四、 赔偿处理
（一）假如发生本保险责任范围内损失, 本企业选择下列方法赔偿:
１．按受损财产价值赔偿;
２．赔付受损财产基础恢复原状修理、 修复费用;
３．修理、 恢复受损财产, 使之达成与同类财产基础一致情况。
（二）受损财产赔偿按损失当初市价计算。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百分比计算。如本保险所载项
目不止一项时, 赔款按本要求逐项计算。
（三）保险项目发生损失后, 如本企业按全部损失赔付, 其残值应在赔款中扣除
, 本企业有权不接收被保险人对受损财产委付。
（四）任何属于成对或成套项目, 若发生损失, 本企业赔偿责任不超出该受
损项目在所属整对或整套项目保险金额中所占百分比。
（五）发生损失后, 被保险人为降低损失而采取必需方法所产生合理费用, 本
企业可给予赔偿, 但本项费用以保险财产保险金额为限。
（六）本企业赔偿损失后, 由本企业出具批单将保险金额从损失发生之日起对应
降低, 而且不退还保险金额降低部分保险费。如被保险人要求恢复至原保险金额,
应按约定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百分比
计算保险费。
（七）被保险人索赔期限, 从损失发生之日起, 不得超出两年。
【章名】五、 被保险人义务
被保险人及其代表应严格推行下列义务:
（一）投保时, 被保险人及其代表应对投保申请书中列明事项以及本企业提出
其她事项作真实、 详尽说明或描述;
（二）被保险人及其代表应依据本保险单明细表和批单中要求按期缴付保险费
;
（三）在保险期限内, 被保险人应采取一切合理预防方法, 包含认真考虑并付
诸实施本企业代表提出合理防损提议, 由此产生一切费用, 均由被保险人负担
;
（四）在发生引发或可能引发本保险单项下索赔损失时, 被保险人及其代表应
:
１．立刻通知本企业, 并在七天或经本企业书面同意延长久限内以书面提供事
故发生经过, 原因和损失程度;
２．采取一切必需方法预防损失深入扩大并将损失降低到最低程度;
３．在本企业代表或检验师进行勘查之前, 保留事故现场及相关实物证据;
４．依据本企业要求提供作为索赔依据全部证实文件、 资料和单据。
【章名】六、 总则
（一）保单效力
被保险人严格地遵守和推行本保险单各项要求, 是本企业在本保险单项下负担
赔偿责任先决条件。
（二）保单无效
假如被保险人或其代表漏报、 错报、 虚报或隐瞒相关本保险实质性内容, 则本
保险单无效。
（三）保单终止
除非经本企业书面同意, 本保险单将在下列情况下自动终止:
１．被保险人丧失保险利益;
２．承保风险扩大。
本保险单终止后, 本企业将按日百分比退还被保险人本保险单项下未到期部分保
险费。
（四）保单注销
被保险人可随时书面申请注销本保险单, 本企业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保险费, 前者本企业按短期费率计收, 后者按
日百分比计收。
（五）权益丧失
假如任何索赔含有虚假成份, 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有意行为或纵容所致,
被保险人将丧失其在本保险单项下全部权益。对由此产生包含本企业已支付赔
偿在内一切损失, 应由被保险人负责赔偿。
（六）合理查验
本企业代表有权在任何合适时候对保险财产风险情况进行现场查验。被保
险人应提供一切便利及本企业要求用以评定相关风险详情和资料。但上述查验并
不组成本企业对被保险人任何承诺。
（七）反复保险
本保险单负责赔偿损失、 费用或责任时, 若另有其她保障相同保险存在, 不管
是否由被保险人或她人以其名义投保, 也不管该保险赔偿是否, 本企业仅负责按百分比
分摊赔偿责任。
（八）权益转让
若本保险单项下负责损失包含其她责任方时, 不管本企业是否已赔偿被保险人
, 被保险人应立刻采取一切必需方法行使或保留向该责任方索赔权利。在本企业
支付赔偿后, 被保险人应将向该责任方追偿权利转让给本企业, 移交一切必需单
证, 并帮助本企业向责任方追偿。
（九）争议处理
被保险人与本企业之间一切相关本保险争议应经过友好协商处理。假如协商
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。
【章名】七、 尤其条款
下列尤其条款适适用于本保险单各个部分, 若其与本保险单其她要求相冲突,
则以下列尤其条款为准。
【章名】财产保险单
保险单号码:
鉴于本保险单明细表中列明被保险人向＿＿＿＿＿＿保险企业（以下简称“本
企业”）提交书面投保申请和相关资料（该投保申请及资料被视作本保险单有效组
成部分）, 并向本企业缴付了本保险单明细表中列明保险费, 本企业同意按本保险
单要求负责赔偿在本保险单明细表中列明保险期限内被保险人保险财产遭受
损坏或灭失, 特立本保险单为凭。
＿＿＿＿＿＿保险企业
＿＿＿＿＿＿
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（包含装修）:
２．机器设备:
３．装置、 家俱及办公设施或用具:
４．仓储物品:
５．其她:
（二）附加费用
１．清除残骸费用:
２．灭火费用:
３．专业费用:
４．其她费用:
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
本保险单受中国司法管辖
十、 尤其条款
财产险保单明细表
＿＿＿＿＿＿保险企业
【名称】PROPERTY INSURANCE CLAUSES
【题注】
【章名】Whole Doc.

【章名】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.
【章名】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;
but not including bursting of water tank or pipe due to rust.
【章名】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.
【章名】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.
【章名】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
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.
【章名】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 ass