POLICY OF BUILDERS’ RISKS INSURANCE
 

 
保险人（The Insurer）: 某保险公司
 
被保险人(The Insured)  某造船厂
 
第一条   保险期限Period of Insurance
本保险在保险单列明的保险期限内从保险船舶建造开工之日或上船台之日起生效，直至保险船舶建成交付订货人或船舶所有人或保险期限满期时止。两者以先发生者为准。?
Subject to the period of insurance specified in the Schedule to the Policy, the insurance attaches from the day of commencement of the building of the Insured Vessel or from the day on which the Insured Vessel is allocated to the building berth until the time of delivery to the Orderer or Owner of the Insured Vessel upon completion of building, or until the time of expiry of the period of insurance, whichever first occurs.?
 
在投保前已分配在船上的物资和机械设备，自保险单中列明的保险起期日开始时生效。在保险开始生效后分配或交付给建造人的物资和机械设备，自分配或交付时生效。?
The insurance on the materials, machinery and equipment allocated to the Insured Vessel prior to application for insurance attaches from the day of inception of insurance specified in the Schedule to the Policy.?
The insurance on the materials, machinery and equipment allocated or delivered to the Builders after inception of the insurance attaches from the time of allocation or delivery.?
 
在本保险单列明的保险期限内，保险船舶若提前交付给所有人满一个月者，保险人可退还被保险人规定的保险费，不足一个月者不退费。如超过保险期限交付，必须事先书面通知保险人办理展延保险期限手续。展期满一个月者，保险人应收规定的保险费，不足一个月者不加收保险费。?
The Insurer will return to the Insured the agreed premium if the Insured Vessel is delivered to the Owner one month before expiry of the period of insurance stipulated in the Schedule to the Policy. No premium will be returned if the Insured Vessel is delivered to the Owner less than one month before expiry of the period of insurance. Where delivery is made beyond the period of insurance, previous written notice shall be given to the Insurer for an extension of the period of insurance. An agreed additional premium will be charged if the time of extension attains one month; no additional premium will be charged if it is less than one month.?
 
第二条   保险价值和保险金额Insured Value and Insured Amount
保险价值为船舶的建成价格或最后合同价格。保险金额应按保险价值确定。被保险人如以暂定价值作为保险金额投保，应在船舶建成或确定最后合同价格后通知保险人调整保险金额。对暂定价值超过或低于保险价值的部分，保险人按比例加收或退还保险费。?
The total building cost or the final contract value of the Insured Vessel shall be the Insured Value and the Insured Amount shall be determined upon the basis of the Insured Value. Where at the time of application for insurance the Insured Amount is based on the provisional value, the Insured shall notify the Insurer to effect adjustment of the Insured Amount when the Insured Vessel is completed or the final contract value is determined. On the difference between the Provisional Value and the Insured Value an additional premium will be charged pro rata if the provisional value is lower and a pro rata return of premium will be charged pro rata if the provisional value is lower and a pro rata return of premium will be made if the provisional value is higher.?
 
如果保险价值超过暂定价值125%时，本保险对任何一次事故或同一事件引起的一系列事故的保险船舶损失的赔偿总额，以暂定价值的125%为限。但由于保险船舶改变设计、装修或改动船型、物资变更所引起的船舶造价的变动，不适用本规定。?
Nevertheless, should the Insured Value exceed the provisional value, then the indemnity under this insurance shall be limited to 125% of the provisional value any one accident or series of accidents arising out of the same event. This provision, however, shall not apply to any variation of the building cost of the Insured Vessel resulting from a material alteration in design, fittings or type of the Vessel.?
 
第三条  责任范围Scope of Cover
保险人对保险船舶的下列损失、责任和费用，负责赔偿：?
The Insurer shall be liable for the following loss of and/or damage to, and liability and expenses in connection with, the Insured Vessel:?
 
1.保险船舶在船厂建造、试航和交船过程中，包括建造该船所需的在保险价值内的一切材料、机械和设备在船厂范围内装卸、运输、保管、安装、以及船舶下水、进出坞、停靠码头过程中，由于下列原因所造成的损失和费用：?
Loss or damage and expenses caused by the undermentioned events whilst the Insured Vessel is in course of construction, trials and delivery, including loading and unloading, transportation, storage and installation of all the materials, machinery and equipment necessary in building the Insured Vessel within the Insured Value and within the Shipyard, and whilst the Insured Vessel is in course of launching, proceeding to and from docks or mooring alongside a wharf:?
 
(1)自然灾害或意外事故；?Natural calamities and/or accidents;?
(2)工人、技术人员、船长、船员及引水人员的疏忽过失和缺乏经验；?
Negligence, fault and lack of skill of workers, technicians, Master, Crew and Pilots;?
 
(3)船壳和设备机件的潜在缺陷；?Latent defects in hull, machinery and equipment;?
 
(4)因船台、支架和其他类似设备的损坏或发生故障；
Damage to or breakdown of docks, cradles and other like equipment;?
 
(5)保险船舶任何部分因设计错误而引起的损失；
Faulty design of any part or parts of the Insured Vessel;?
 
(6)在保险船舶下水失败后为重新下水所产生的费用；?
Expenses necessarily incurred in completing launch after failure of launch;?
 
(7)为确定保险责任范围内损失所支付的合理费用，以及对船舶搁浅后为检查船底而支付的费用，即使没损失，保险人也予负责。?
 Expenses reasonably incurred for ascertaining the loss or damage falling within the scope of cover, and expense of sighting the bottom after stranding, if incurred specially for that purpose, even though no damage is found.?
2.对于下列责任和费用，保险人负责赔偿：
Liabilities and expenses under the following headings:?
 
(1)共同海损牺牲和分摊；Sacrifice in and contribution to general average;?
?
(2)救助费用；? Salvage Charges;?
 
(3)发生碰撞事故后，保险船舶对被碰撞船舶及其所载货物、浮动物件、船坞、码头或其他固定建筑物损失和延迟。丧失使用的损失以及施救费用、共同海损和救助费用依法应负的赔偿责任，但以保险船舶的保险金额为限；?
In the case of collision on, the Indemnity which the Insured Vessel shall be held legally liable to pay for the loss and delay to and loss of use of the other ship in collision and the goods aboard such other ship, floating objects, dock, wharf or other fixed structures, as well as for sue and labour charges, general average and salvage charges in connection therewith, but in no case shall the amount so indemnified exceed the insured amount of the Insured Vessel;?
 
(4)保险船舶遭受本条款责任范围内的损失事故后引起的清除保险船舶残骸的费用、对第三者人身伤亡赔偿责任，可以按保险人保障与赔偿条款的有关规定给予赔偿，但以保险船舶的保险金额为限；?
Expenses for the removal of the wreck of the Insured Vessel and any sum of sums in respect of the liabilities for death of or bodily injury to third parties consequent upon an accident to the the Insured Vessel falling within the scope of cover which are to be reimbursed subject to the Protection and Indemnity Clause of The People's Insurance Insurer of China, but in no case shall such indemnity exceed the insured amount of the Insured Vessel;?
 
(5)在发生碰撞或其他事故后，被保险人在事先征得保险人书面同意后，为争取限制赔偿责任所支付的诉讼费用；?
Legal cost incurred to limit liability after collision or other occurrence subject to prior consent of the Insurer in writing.?
 
(6)保险船舶的保险金额如低于保险价值，保险人对本款所列各项的责任或费用，按保险金额和保险价值的比例计算赔偿。?
Where the insured amount of the Insured Vessel is lower than the Insured Value, the Insurer's indemnity for the expenses and/or liabilities under this clause shall be in the proportion that the Insured Amount bears to the Insured Value.?
 
第四条  除外责任Exclusions
下列各项，保险人不予负责：?The Insurer shall not be liable for:?
1.由于被保险人故意或非法行为所造成的损失；?
Loss or damage caused by willful or unlawful acts of the Insured;?
 
2.对设计错误部分本身的修理、修改、更换或重建的费用及为了改进或更改设计所发生的任何费用；?
Expenses for repairing, modifying, replacing or remaking the part or parts of faulty design, and any expenses incurred for betterment or alteration in design;?
 
3.由于被保险人对雇用的职工的死亡、伤残或疾病所应承担的责任和费用；?
Liabilitise and expenses assumed by the Insured in respect of loss of life of or injury to or illness of any person employed by the Insured;?
 
4.核反应、核辐射或放射性污染引起的损失或费用；
Loss or damage or expenses arising from nuclear reaction, nuclear radiation or radioactive contamination;?
?
5.由于战争、恐怖活动、敌对行为、武装冲突、炸弹的爆炸、战争武器、没收、征用、罢工、暴动、民众骚动引起的损失、费用和责任，以及任何人的恶意行为或政治动机所引起的任何损失；?
Loss or damage, expenses or liabilities arising from war, terrorism,  hostile actions, armed conflicts, detonation of explosives, weapons of war, confiscation, requisition, strike, riot and civil commotion, and loss or damage caused by any person acting maliciously or from a political motive;?
 
6.建造合同规定的罚款以及由于拒收和其他原因造成的间接损失；
?Fines stipulated in the Building Contract and indirect loss through rejection or other causes;?
 
7.由于任何国家或武装集团的拘留、扣押、禁制，使航程受阻或丧失。?
Loss or frustration of vayage caused by arrest, restraint or detainment by any country or armed bloc.?
 
第五条  承保区域Location Limit
1.建造期间：限于造船厂范围内。建造船舶所需的材料、机器、设备在造船厂范围以外的任何运输、装卸、保管和建造船舶在造船厂范围以外的任何拖航必须事先通知保险人并交付规定的保险费后方予负责；?
During the time of Building:?Within the Shipyard. Held covered subject to previous notice to the Insurer and payment of an agreed additional premium for any transportation, loading and unloading and storage outside the Shipyard of materials, machinery and equipment necessary in building the Vessel and any movement of the Vessel in tow outside the Shipyard.?
 
2.试航、交船期间：20，000总吨以上的船舶的单程自航距离限于500海里，1，000总吨至20，000总吨船舶的单程自航距离限于250海里，1，000总吨以下船舶的单程自航距离限于100海里。如超过上述距离，必须事先通知保险人，并交付规定的保险费后方予负责。
During the time of Trial and Delivery:?Single voyage for the Vessel over 20,000 gross tons under own power to be within 500 nautical miles; between 1,000,and 20,000 gross tons within 250 nautical miles; below 1,000 gross tons within 100 nautical miles. Should the aforesaid distances be exceeded, prior notice to be given to the Insurer and an agreed additional premium paid before such extended cover attaches.?
 
第六条  赔款处理Treatment of Claim
1.被保险人索赔时，应以书面说明事故经过、原因，并提供损失清单、发票、检验报告等必要单证和文件。如涉及第三者责任，还须提供向责任方追偿的有关函电及其他必要单证或文件；?
 In lodging a claim, the Insured shall submit to the Insurer a written statement giving the circumstances and cause of the accident, statement of claim, invoice, survey report and other necessary documents and evidence. In the event of third party liability being involved, the correspondence exchanged with such third party for recovery purposes and other necessary documents shall be furnished to the Insurer.?
 
2.保险人负责赔偿合理的配件和修理费用，并且不扣除以新代旧的折扣；
?The Insurer will be liable for the reasonable cost of replacement of part or parts and repairing charges without deduction new for old.?
 
3.对保险船舶由于每一事故引起的部分损失，包括施救费用、船舶碰撞、清除保险船舶的残骸等。保险人应付的赔款均须扣除保险单所规定的免赔额。损失如在免赔额以下时，保险人不负赔偿责任。?
在两个相连续的港口之间一个单独航程中，由于恶劣气候所致的损失索赔，应被视为一次意外事故；?
No claim for partial losses to the Insured Vessel arising from a peril insured against shall be payable under the Policy unless the aggregate of all such claims arising out of each separate accident or occurrence including sue and labour charges, collision damage and expenses for the removal of the wreck of the Insured Vessel, etc. exceeds the deductible stipulated in the Policy in which case only the amount in excess of the deductible will be paid.?
Claims for loss or damage by heavy weather occurring during a single sea passage between two successive ports shall be treated as being due to one accident.
 
4.保险船舶试航时，在预计返回建造地点日期起超过六个月，尚未得到它的行踪消息，即构成船舶的失踪。船舶失踪或船舶遭受损失后，其估计救助、修理和其他必要支出的费用将超过保险船舶的保险价值时，均可视为全部损失。在保险船舶受损后未及时修理，又遭受全部损失，保险人只赔付一个全部损失；?
In the case of sailing for trial, if no news is received of the whereabouts of the Insured Vessel over a Period of 6 months after the date on which she is expected to return to the site of building, it shall constitute an event of missing of the ship.?
Where the Insured Vessel is missing or the estimated aggregate of salvage charges, cost of repairs and other necessary disbursements incurred after loss or damage to the a Insured Vessel exceeds the insured value of the Insured Vessel, it may be deemed as a total loss. In case of a subsequent total loss following loss of or damage to the Insured Vessel which is yet unrepaired, the Insurer shall only be liable for the total loss.?
 
5.对任何保险事故的索赔期限，不得超过交船后三个月。?
The time of validity of a claim in respect of any one accident insured against shall not exceed a period of three months counting from the date of delivery.?
 
第七条  被保险人义务Obligations of the Insured
1.被保险人投保时应提供建造合同副本和建造进度表等文件；?
The Insured shall provide the Insurer with a copy of the Building Contract, Schedule of progress of building and other necessary documents at the time of applying for Insurance.?
 
2.被保险人应遵守有关安全法令，采取合理的预防措施，避免发生意外事故，保险人代表有权对船舶的建造情况进行查勘，被保险人应提供便利，对保险人代表提出的防损建议，应认真考虑并付诸实施；?
The Insured shall comply with all relative statutory requirements and take reasonable preventive measures to avoid accidents. The representatives of the Insurer shall have the right to inspect the condition related to the construction of the Vessel. The Insured shall render all reasonable assistance for that purpose and give serious consideration to and the representatives of the Insurer.?
 
3.保险船舶发生本保险单责任范围内的事故后，被保险人应立即通知保险人，并采取一切必要措施救护，防止损失扩大。对被保险人因此而支付的合理措施费用，保险人可予偿付，但以不超过受损保险项目的保险金额为限。如需进行修理时，应事先征得保险人同意；?
In case of accident to the Insured Vessel falling under the scope of cover, the Insured shall notify the Insurer immediately and take all necessary measures to avoid aggravation of loss. The Insurer will pay for the expenses reasonably incurred in this respect, but in no case shall the amount exceed the insured amount of the property so saved. When repairs to such property are necessary, prior consent of the Insurer shall be obtained.?
 
4.本保险单承保的风险如有任何实质性变动，被保险人应及时以书面通知保险人，办理批改手续；?
The Insured shall notify the Insurer in writing in good time of any material change in the risks covered under the Policy and request the Insurer to endorse the policy accordingly.?
 
5.保险船舶的损失涉及第三者责任时，被保险人必须采取必要措施向责任方追偿，为此而必须支付的合理费用，保险人可予偿付；?
In the event that third party liability is involved in the loss of or damage to the Insured Vessel, the Insured shall take all necessary measures to pursue remedy against such responsible party, and the Insurer will pay reasonable expenses necessarily incurred for such purpose.?
 
6.被保险人及其代表对上述规定的义务如故意不执行，保险人可不负赔偿责任。?
The Insurer may disclaim liability in event of intentional omission on the part of the Insured or his representatives to fulfill the aforesaid obligations.?
 
第八条   争议的处理Treatment of Dispute
被保险人与保险人之间的一切有关保险的争议，应通过友好协商解决。如果协商达不成协议，可申请仲裁机构仲裁或向法院提出诉讼。除事先另有协议者外，仲裁或诉讼应在被告方所在地。?
All disputes arising out of this insurance between the Insured and the Insurer shall be settled through friendly negotiation. Where a settlement fails after negotiation, such dispute shall be submitted to arbitration or to court for legal action. Unless otherwise agreed, such arbitration of legal action shall be carried out at place where the defendant is domiciled.
 
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