財產(chǎn)保險合同格式英文版

財產(chǎn)保險合同格式英文版財產(chǎn)保險合同格式英文版

財產(chǎn)是重要之物，不能允許有任何的差錯，那么關于財產(chǎn)保險的英文合同格式是怎么樣的？以下是我給大家整理的商務英語合同：財產(chǎn)保險合同格式英文版，盼望可以幫到大家

I.THEPROPERTYINSURED

ThepropertyinsuredshallrefertoallpropertiesandexpensesspecifiedintheScheduleofthisPolicy.

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,portableputers,removablephotographapparatusorotherpreciousarticles;

5.Vehicleslicensedforgeneraltransportuse.

II.SCOPEOFCOVER

TheCompanyshallindemnifytheInsuredinrespectofthephysicallossofordamagetotheinsuredpropertystatedintheScheduleduringtheperiodofinsurancedirectlyarisingfromthefollowingperils:

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.

III.EXCLUSIONS

ThisCompanyshallnotbeliablefor:

1.LossofordamagetotheinsuredpropertyorexpensescausedbyintentionalactorgrossnegligenceoftheInsuredorhisrepresentative;

2.Lossofordamagetotheinsuredpropertycausedandexpensesincurredbyearthquakeortsunami;

3.Depreciation,lossofmarket,lossofuseandotherconsequentiallossesofanydescription;

4.Lossofordamagetotheinsuredpropertyorexpensesincurredarisingfromwar,warlikeoperation,hostilities,armedconflicts,terrorism,conspiracyinsurrection,coupd`etat,strike,riot,andcivilmotion;

5.Confiscation,requisition,destructionordamagebyanyactionororderofanygovernmentdejureordefactoorbyanypublicauthorities;

6.Lossofordamagetoinsuredpropertydirectlyorindirectlycausedorexpensesincurredbynuclearfission,nuclearfusion,nuclearweapon,nuclearmaterial,nuclearradiationandradioactivecontamination;

7.Lossordamagecausedandexpensesincurredbypollutionofanykindordescriptionwhatsoeversuchasatmosphere,landandwaterpollutionsbutthisdoesnotincludelossordamagecausedbypollutionarisingfromPERILSspecifiedinArticleIIthePolicy;

8.ThedeductiblesstatedintheScheduletobebornebytheInsured;

9.LossordamagearisingfromanyotherperilsnotlistedinArticleIIofthisPolicy.

IV.TREATMENTOFCLAIM

1.TheCompanyshallatitsoption,indemnifytheInsuredinrespectoflossordamagefallingwithintheScopeofCoverofthePolicybyeither:

1.1payingtheamountoftheactualvalueofthepropertylostordamagedor;

1.2payingthenecessarycostofrepairingorrestoringthedamagedpropertytoitsnearestconditionimmediatelyprecedingthedamageor;

1.3repairingorrestoringthedamagedpropertytoaconditionneartootherpropertyoflikekindandquality.

2.IndemnityunderthisPolicyshallbebaseduponthesoundmarketvalueofthepropertyprevailingatthetimeofloss.Ifthesoundmarketvalueofthedamagedpropertyislowerthanthesuminsuredofsuchproperty,theclaimshallbesettledonitsmarketvalue;Ifthesoundmarketvalueofthepropertyisinexcessofthesuminsured,theCompanyshallonlybeliableforsuchproportionoftheclaimasthesuminsuredofthedamagedpropertybearstoitssoundmarketvalue.IftheinsuredpropertyenumeratedintheScheduleismorethanoneitem,theprovisionofthisclauseshallapplytoeachthereof.

3.Ifaclaimforlossofordamagetotheinsureditemissettledonatotallossbasis,thesalvagevalueofsuchitemshallbedeductedfromtheindemnitypayablebytheCompany.TheCompanymay,atitsoption,declinetheabandonmentofanydamagedpropertybytheInsured.

4.Intheeventoflossofordamagetoanyequipmentiteminsuredformingpartofapairorset,theCompanyshallnotbeliableinrespectofeachofsuchitemlostordamagedformorethanitsproportionatepartofthesuminsuredonthepletepairorset.

5.Intheeventofanylossoccurrence,theCompanyshallalsopaytheInsuredfortheexpensesreasonablyincurredfortakingnecessarymeasurestominimizelossordamagetotheleastextent,butinnocaseshallsuchexpensesreferredheretoexceedthesuminsuredoftheinsuredproperty.

6.Uponsettlementofaclaim,anendorsementshallbeissuedbytheCompanytoreducethesuminsuredcorrespondingtothepropertylostordamagedbytheamountsosettledfromthedateofloss,andnopremiumshallberefundedfortheamountsoreduced.IfreinstatementofthesuminsuredisrequiredbytheInsureduponsettlementoftheclaim,anadditionalpremiumforthereinstatedamountshallbechargedatanagreedrate,andbecalculatedonproratadailybasisfromthedateoflosstotheexpiryoftheinsurance.

7.Thetimeofvalidityofaclaimunderthisinsuranceshallnotexceedaperiodoftwoyearcountingfromthedateofloss.

V.INSURED`SOBLIGATIONS

ThefollowingObligationsshallbestrictlyfulfilledbytheInsuredandhisrepresentative:

1.TheInsuredandhisrepresentative,whenapplyingforinsuranceshallmaketrueanswersordescriptionstothequestionsintheProposalandQuestionnaireortoanyotherquestionsraisedbytheCompany.

2.TheInsuredandhisrepresentativeshallpaytotheCompanyinduecoursetheagreedpremiuminthemannerasprovidedintheScheduleandEndorsements.

3.Duringtheperiodofthisinsurance,theInsuredshallathisownexpensetakeallreasonableprecautions,includingpayingsufficientattentiontoandputtingintopracticethereasonableremendationsoftheCompany,prudentlyselectingtheworkmenandemployeesandplyingwithallstatutoryregulationsandsafetyoperationprocedures.

4.IntheeventofanyoccurrencewhichgivesormightgiverisetoaclaimunderthisPolicy,theInsuredorhisrepresentativeshall:

4.1notifytheCompanyimmediatelyandwithinseven(7)daysoranyfurtherperiodasmaybeagreedbytheCompanyinwriting,furnishawrittenreporttoindicatethecourse,probablereasonandextentoflossordamage;

4.2takeallnecessarymeasurestoavoidaggravationofthelossordamageandminimizeittotheleastextent;

4.3preservethespotaffectedanddefectivepartsbeforeaninspectioniscarriedoutbyarepresentativeorsurveyorfromtheCompany;

4.4furnishallsuchinformationanddocumentaryevidenceastheCompanymayrequireforsupportingtheclaim.

VI.GENERALCONDITIONS

1.PolicyEffect

ThedueobservanceandfulfilmentofthetermsandconditionsofthisPolicyinsofarastheyrelatetoanythingtobedoneorpliedwithbytheInsuredshallbeaconditionprecedenttoanyliabilityoftheCompanyunderthisPolicy.

2.PolicyVoidance

ThisPolicyshallbevoidableintheeventofmisrepresentation,misdescriptionornon-disclosuremadebytheInsuredorhisrepresentativeinanymaterialparticularinrespectofthisinsurance.

3.PolicyTermination

UnlessitscontinuancebeadmittedbytheCompanyinwriting,thisPolicyshallbeautomaticallyterminatedif:

3.1theinsurableinterestoftheInsuredislost;

3.2theriskoflossordamageisincreased.

AfterterminationofthePolicy,thepremiumshallberefundedtotheInsuredcalculatedonproratadailybasisfortheperiodfromthedateofterminationtothedateofexpiry.

4.PolicyCancellation

ThisPolicymaybecanceledatanytimeattherequestoftheInsuredinwritingorattheoptionoftheCompanybygivingafifteen(15)dayspriornoticetotheInsured.IntheformercasetheCompanyshallretainapremiumcalculatedonshorttermratebasisforthetimethePolicyhasbeeninforcewhileinthelattercasesuchpremiumshallbecalculatedonproratadailybasis.

5.ForfeitofBenefit

Iftheclaimisinanyrespectfraudulent,orifanyfraudulentmeansordevicesareusedbytheInsuredorhisrepresentativetoobtainanybenefitunderthisPolicyorifanylossordamageisoccasionedbytheintentionalactorintheconnivanceoftheInsuredorhisrepresentative,theninanyofthesecases,alltherightsandbenefitsoftheInsuredunderthisPolicyshallbeforfeited,andallconsequentlossesarisingtherefromincludingtheamountofclaimpaidbytheCompanyshallbeindemnifiedbytheInsured.

6.ReasonableInspection

TherepresentativeoftheCompanyshallatanysuitabletimebeentitledtoattendthesiteandinspectorexaminetheriskexplosureofthepropertyinsured.Forthispurpose,theInsuredshallprovidefullassistanceandalldetailsandinformationrequiredbytheCompanyasmaybenecessaryfortheassessmentoftherisk.TheabovementionedinspectionorexaminationshallinnocircumstancesbeheldasanyadmissiontotheInsuredbytheCompany.

7.DoubleInsurance

Shouldanyloss,damage,expensesorliabilityrecoverableunderthePolicybealsocoveredbyanyotherinsurance,theCompanyshallonlybeliabletopayorcontributehisproportionoftheclaimirrespectiveastowhethertheotherinsuranceisarrangedbytheInsuredorothersonhisbehalf,orwhetheranyindemnificationisobtainableundersuchotherinsurance.

8.Subrogation

WhereathirdpartyshallbeheldresponsibleforthelossordamagecoveredunderthisPolicy,theInsuredshall,whetherbeingindemnifiedbytheCompanyornot,takeallnecessarymeasurestoenforceorreservetherightofrecoveryagainstsuchthirdparty,anduponbeingindemnifiedbytheCompany,subrogatetotheCompanyalltherightofrecovery,transferallnecessarydocumentstoandassisttheCompanyinpursuingrecoveryfromtheresponsibleparty.

9.Dispute

AlldisputesunderthisinsurancearisingbetweentheInsuredandtheCompanyshallbesettledthroughfriendlynegotiations.Wherethetwopartiesfailtoreachanagreementafternegotiations,suchdisputeshallbesubmittedtoarbitrationortocourtforlegalactions.Unlessotherwiseagreed,sucharbitrationorlegalactionshallbecarriedoutintheplacewherethedefendantisdomiciled.

VII.SPECIALPROVISIONS

ThefollowingprovisionsshallbeappliedtoallpartsofthisPolicyandshalloverridetheothertermsandconditionsofthisPolicyifanyconflictarises.

PROPERTYINSURANCEPOLICY

PolicyNo.:

WHEREASTHEINSUREDnamedintheScheduleheretohasmadetothe______InsuranceCompany(hereinaftercalledtheCompany)awrittenProposalwhichtogetherwithanyotherstatementsmadebytheinsuredforthepurposeofthisPolicyisdeemedtobeincorporatedhereinandhaspaidtotheCompanythepremiumstatedintheSchedule.

NOWTHISPOLICYOFINSURANCEWITNESSESthatsubjecttothetermsandconditionscontainedhereinorendorsedher