CONSTRUCTION ALL RISKS CLAUSES 一、第一部分 物质损失 Ⅰ. SECTION Ⅰ-MATERIAL DAMAGE （一）保险责任?.Coverage? 1、在本保险期限内，若本保险单明细表中分项列明的保险财产在列明的工地范围内，因本保险单除外责任以外的任何自然灾害或意外事故造成的

CONSTRUCTION ALL RISKS CLAUSES
 
一、第一部分  物质损失    Ⅰ. SECTION Ⅰ-MATERIAL DAMAGE
（一）保险责任?.Coverage?
 
1、在本保险期限内，若本保险单明细表中分项列明的保险财产在列明的工地范围内，因本保险单除外责任以外的任何自然灾害或意外事故造成的物质损坏或灭失（以下简称“损失”），本公司按本保险单的规定负责赔偿。?
1.1 The Company shall indemnify the Insured in respect of the physical loss of or damage to the property insured during the period of insurance within the specified work-site arising from any NATURAL HAZARDS or ACCIDENT other than those specifically excluded, in the manner and to the extent hereinafter provided.?
 
2、对经本保险单列明的因发生上述损失所产生的有关费用，本公司亦可负责赔偿。?
1.2 The Company shall also indemnify the Insured for the necessary cost specified in the Schedule and incurred following upon any event giving rise to a claim under this Policy.?
 
3、本公司对每一保险项目的赔偿责任均不得超过本保险单明细表中对应列明的分项保险金额以及本保险单特别条款或批单中规定的其他适用的赔偿限额。但在任何情况下，本公司在本保险单项下承担的对物质损失的最高赔偿责任不得超过本保险单明细表中列明的总保险金额。?
1.3 The liability of the Company in respect of each item insured shall not exceed the sum set opposite thereto specified in the Schedule nor the limit of indemnity specified in the Special Provisions or Endorsements where applicable. But in no case shall the maximum indemnity liability of the Company in respect of material damage under this section exceed the total sum insured specified in the Schedule.?
 
定义?DEFINITIONS?
自然灾害：?指地震、海啸、雷电、飓风、台风、龙卷风、风暴、暴雨、洪水、水灾、冻灾、冰雹、地崩、山崩、雪崩、火山爆发、地面下陷下沉及其他人力不可抗拒的破坏力强大的自然现象。
意外事故：?指不可预料的以及被保险人无法控制并造成物质损失或人身伤亡的突发性事件，包括火灾和爆炸。
The words “NATURAL HAZARDS”shall for the purpose of this Policy, mean earthquake, tsunami, thunder-and-lightning, hurricane, typhoon, tornado, storm, tempest, flood, inundation, frost, hailstorm, landslide, rockslide, avalanche, volcanic explosion, subsidence of ground and any other phenomena 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 occurrence event which leads to material damage or bodily injury, including fire and explosion.?
 
（二）除外责任?. Exclusions?
本公司对下列各项不负责赔偿：The Company shall not be liable for:?
?
1、设计错误引起的损失和费用；?loss or damage and expenses arising from faulty design;?
2、自然磨损、内在或潜在缺陷、物质本身变化、自燃、自热、氧化、锈蚀、渗漏、鼠咬、虫蛀、大气（气候或气温）变化、正常水位变化或其他渐变原因造成的保险财产自身的损失和费用；?
loss of or damage to the insured property itself or expenses arising therefrom due to wear and tear, inherent or latent defect, change in substance, spontaneous combustion, 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、因原材料缺陷或工艺不善引起的保险财产本身的损失以及为换置、修理或矫正这些缺点错误所支付的费用；?
loss of or damage to the insured property itself due to defective material or bad workmanship and expenses incurred for replacing, repairing or rectifying such defects or mistakes;?
 
4、非外力引起的机械或电气装置的本身损失，或施工用机具、设备、机械装置失灵造成的本身损失；?
loss of or damage to the insured mechanical or electrical devices not due to exterior forces; loss or damage due to breakdown or derangement of engineering tools, equipment or mechanical devices;?
5、维修保养或正常检修的费用；?expenses of maintenance or upkeep or normal overhaul;?
6、档案、文件、帐薄、票据、现金、各种有价证券、图表资料及包装物料的损失；?
loss of or damage to files, documents, account books, bills, cash, securities, charts, data and packing materials;?
 
7、盘点时发现的短缺；?shortage discovered at the time of taking an inventory;?
8、领有公共运输行驶执照的，或已由其他保险予以保障的车辆、船舶和飞机的损失；
loss of or damage to vehicles,ships or aircraft licensed for general transport use or having been covered by any other insurance;?
 
9、除非另有约定，在保险工程开始以前已经存在或形成的位于工地范围内或其周围的属于被保险人的财产的损失；?
unless otherwise agreed by the Company in writing loss of or damage to the property belonging to the Insured which is existing or formed within or in the vicinity of the site before the commencement of the contract work;?
 
10、除非另有约定，在本保险单保险期限终止以前，被保险财产中已由工程所有人签发完工验收证书或验收合格或实际占有或使用或接收的部分。?
unless otherwise agreed by the Company in writing loss of or damage to any part or parts of the property insured for which a certificate of completion has been issued or which have been tested after completion or actually occupied or put into service or taken over by the Principal before the expiry date of this Policy.?
 
二、第二部分  第三者责任险Ⅱ. SECTION Ⅱ-THIRD PARTY LIABILITY
（一）责任范围.Coverage?
1、在本保险期限内，因发生与本保险单所承保工程直接相关的意外事故引起工地内及邻近区域的第三者人身伤亡、疾病或财产损失，依法应由被保险人承担的经济赔偿责任，本公司按下列条款的规定负责赔偿。?
The Company shall in the manner hereinafter provided indemnify the Insured against such sums which the Insured shall become legally liable to pay as damages in respect of death of or bodily injury to or illness of third parties, or loss of or damage to property belonging to third parties in consequence of an accident occurring in direct connection with the performance of the contract work insured and happening on or in the vicinity of the site during the period of insurance.?
 
2、对被保险人因上述原因而支付的诉讼费用以及事先经本公司书面同意而支付的其他费用，本公司亦负责赔偿。?
In respect of any claim covered under this Section, the Company shall in addition indemnify the Insured against the relevant legal costs payable by the Insured and other expenses incurred with the prior written consent of the Company.?
 
3、本公司对每次事故引起的赔偿金额以法院或政府有关部门根据现行法律裁定的应由被保险人偿付的金额为准。但在任何情况下，均不得超过本保险单明细表中对应列明的每次事故赔偿限额。在本保险期限内，本公司在本保险单项下对上述经济赔偿的最高赔偿责任不得超过本保险单明细表中列明的累计赔偿限额。?
The indemnification made by the Company for any one accident shall be subject to the amounts to be payable by the Insured which are decided in accordance with law by the court or the governmental department concerned. Provided always that the liability of the Company under this section shall in no case exceed the limits of indemnity for any one accident stated in the Schedule, and during the whole period of insurance, the maximum liability of the Company under this section shall in no case exceed the limit of indemnity in aggregate as stated in the Schedule.?
 
（二）除外责任?Exclusions
本公司对下列各项不负责赔偿：?The Company shall not be liable for:?
1、本保险单物质损失项下或本应在该项下予以负责的损失及各种费用；
loss or damage and expenses covered or coverable under Section I of this Policy;?
?
2、由于震动、移动或减弱支撑而造成的任何财产、土地、建筑物的损失及由此造成的任何人身伤害和物质损失；?
loss of or damage to any property, land or structure caused by vibration or by removal or weakening of support and injury or damage to any person or property occasioned by or resulting from any such loss or damage;?
 
3、1）工程所有人、承包人或其他关系方或他们所雇用的在工地现场从事与工程有关工作的职员、工人以及他们的家庭成员的人身伤亡或疾病；?
death of or bodily injury to or illness of the Principal（s） or the Contractor（s） or any other party（ies）or their employees or workmen engaged in connection with the contract work on the site, or members of their families;?
 
2）工程所有人、承包人或其他关系方或他们所雇用的职员、工人所有的或由其照管、控制的财产发生的损失；?
loss of or damage to property belonging to or held in care, custody or control of the Principal（s） or the Contractor（s） or any other party（ies） concerned or their employees or workmen;?
 
3）领有公共运输行驶执照的车辆、船舶、飞机造成的事故；?
any accident caused by vehicles, ships or aircraft licensed for general transport use;
 
4）被保险人根据与他人的协议应支付的赔偿或其他款项，但即使没有这种协议，被保险人仍应承担的责任不在此限。?
indemnification or payment made by the Insured in accordance with any agreement between the Insured and other parties, unless such liability would have been attached to the Insured notwithstanding such agreement.?
 
三、总除外责任  Ⅲ. GENERAL EXCLUSIONS
在本保险单项下，本公司对下列各项不负责赔偿：?
The Company shall not indemnify the Insured under this Policy in respect of loss, damage, expenses, or liability directly or indirectly caused by or arising out of or aggravated by:?
 
（一）1、战争、类似战争行为、敌对行为、武装冲突、恐怖活动、谋反、政变引起的任何损失、费用和责任；?
war, warlike operation, hostilities, armed conflicts, terrorism, conspiracy insurrection, coup d’etat;?
2、政府命令或任何公共当局的没收、征用、销毁或毁坏；?
confiscation, requisition, destruction or damage by any action or order of any government de jure or de facto or by any public authorities;?
 
3、罢工、暴动、民众骚乱引起的任何损失、费用和责任；?strike, riot,civil commotion;?
 
（二）被保险人及其代表的故意行为或重大过失引起的任何损失、费用和责任；?
intentional act or gross negligence of the Insured or his representative;?
 
（三）核裂变、核聚变、核武器、核材料、核辐射及放射性污染引起的任何损失、费用和责任；?
nuclear fission, nuclear fusion, nuclear weapon, nuclear material,nuclear radiation and radioactive contamination;?
 
（四）大气、土地、水污染及其他各种污染引起的任何损失、费用和责任；?
pollution of any kind or description whatsoever such as atmosphere, land and water pollutions;?
 
（五）工程部分停工或全部停工引起的任何损失、费用和责任；?
cessation of work whether total or partial;?
 
（六）罚金、延误、丧失合同及其他后果损失；?
consequential loss of any kind or description whatsoever including penalties, losses due to delay or loss of contract;?
 
（七）保险单明细表或有关条款中规定的应由被保险人自行负担的免赔额。?
the deductibles stated in the Schedule to be borne by the Insured.?
 
四、保险金额   Ⅳ. SUM INSURED
（一）本保险单明细表中列明的保险金额应不低于：?
It is a basic requirement of this insurance that the sums insured stated in the Schedule shall not be less than:?
 
1、建筑工程——保险工程建筑完成时的总价值，包括原材料费用、设备费用、建造费、安装费、运输费和保险费、关税、其他税项和费用，以及由工程所有人提供的原材料和设备的费用；?
For contract work-the full value of the insured project at the completion of the construction including cost of equipments, materials, construction and erection, freight and premium, customs duty, any other dues and expenses, and the cost of materials or equipments supplied by the Principal;?
 
2、施工用机器、装置和机械设备——重置同型号、同负载的新机器、装置和机械设备所需的费用；?
For construction plant and equipment-the replacement cost of the insured items by new ones of the same size and same capacity;?
 
3、其他保险项目——由被保险人与本公司商定的金额。?
For other Items Insured-the sums agreed upon between the Insured and the Company.?
 
（二）若被保险人是以保险工程合同规定的工程概算总造价投保，被保险人应：?
If the sum insured in respect of contract work is based on the estimated contract value stated in the construction contract, the Insured shall:?
 
1、在本保险项下工程造价中包括的各项费用因涨价或升值原因而超出原保险工程造价时，必须尽快以书面通知本公司，本公司据此调整保险金额；?
immediately notify the Company in writing if the contract value including all expenses under this insurance exceeds the original insured contract value due to rise in price or increment,and the Company shall then adjust the sum insured accordingly;?
 
2、在保险期限内对相应的工程细节作出精确记录，并允许本公司在合理的时候对该项记录进行查验；?
keep a precise record in writing on the particulars of the work concerned during the period of insurance and allow the representative of the Company to inspect and examine such record at any reasonable time;?
 
3、若保险工程的建造期超过三年，必须从本保险单生效日起每隔十二个月向本公司申报当时的工程实际投入金额及调整后的工程总造价，本公司将据此调整保险费；?
if the construction period of the insured project is longer than thirty?six（36） months, declare to the Company at an interval of every twelve （12） months from the inception date of the policy ,the actual amount of fund put into the project by the time of declaration as well as the new estimate contract value, if it is revised the Company shall adjust the premium accordingly;?
 
4、在本保险单列明的保险期限届满后三个月内向本公司申报最终的工程总价值，本公司据此以多退少补的方式对预收保险费进行调整。?
否则，针对以上各条，本公司将视为保险金额不足，一旦发生本保险责任范围内的损失时，本公司将根据本保险单总则中第（六）款的规定对各种损失按比例赔偿。?
provide the Company with the actual final contract value within three （3） months after the expiry date of this insurance, and any difference between the premium paid in advance and that payable shall be paid to or refunded by the Company as the case may be.?
Otherwise, the Company shall take it that the Sums Insured are less than the amounts required to be insured and in case of loss or damage falling within the Coverage, the indemnification shall be made proportionately according to the Provision （6） of the General Conditions of this Policy.
 
五、保险期限  Ⅴ. PERIOD OF INSURANCE
（一）建筑期物质损失及第三者责任保险：?
Material Damage and Third Party Liability Insurance during the Construction Period.?
 
1、本公司的保险责任自保险工程在工地动工或用于保险工程的材料、设备运抵工地之时起始，至工程所有人对部分或全部工程签发完工验收证书或验收合格，或工程所有人实际占有或使用或接收该部分或全部工程之时终止，以先发生者为准。但在任何情况下，建筑期保险期限的起始或终止不得超出本保险单明细表中列明的建筑期保险生效日或终止日。?
The liability of the Company shall commence notwithstanding any date to the contrary specified in the Schedule, directly upon commencement of the project or after the unloading of the insured materials or equipments at the site and shall expire immediately after a certificate of completion has been issued for part or whole of the insured project or part or whole of the insured project have been tested after completion or actually occupied or put into service or taken over by the Principal, whichever is the earlier. In no case shall the effective date be earlier or expiry date be later respectively than both dates specified in the Schedule.?
 
2、不论安装的保险设备的有关合同中对试车和考核期如何规定，本公司仅在本保险单明细表中列明的试车和考核期限内对试车和考核所引发的损失、费用和责任负责赔偿；若保险设备本身是在本次安装前已被使用过的设备或转手设备，则自其试车之时起，本公司对该项设备的保险责任即行终止。?
Notwithstanding anything to the contrary contained in the contract concerned, the Company shall only be liable for loss or damage, expenses and liability caused or incurred by testing or commissioning arising during the testing or commissioning period stated in the Schedule. In the case of used or second hand items equipments, the insurance to such items shall, however, cease immediately on the commencement of the test.?
 
3、上述保险期限的展延，须事先获得本公司的书面同意，否则，从本保险单明细表中列明的建筑期保险期限终止日起至保证期终止日止期间内发生的任何损失、费用和责任，本公司不负责赔偿。?
Any extensions of the period of insurance shall be subject to the Company’s prior consent in writing. Otherwise, the Company shall not be liable for any loss or damage, expense and liability arising during the period from the expiry date of the construction period stated in the Schedule to the expiry date of the maintenance period specified.?
 
（二）保证期物质损失保险：?Material Damage Insurance during the Maintenance Period?
保证期的保险期限与工程合同中规定的保证期一致，从工程所有人对部分或全部工程签发完工验收证书或验收合格，或工程所有人实际占有或使用或接收该部分或全部工程时起算，以先发生者为准。但在任何情况下，保证期的保险期限不得超出本保险单明细表中列明的保证期。?
The period of insurance, being subject to the maintenance period specified in the insured contract ,shall commence at the time when a certificate of completion has been issued for part or parts of the insured project or part or parts of the insured project have been tested after completion or actually occupied or put into service or taken over by the Principal, whatever is the earlier. It is however provided that, under no circumstances shall such period go beyond the maintenance period stated in the Schedule.?
 
六、赔偿处理 Ⅵ. TREATMENT OF CLAIM
（一）对保险财产遭受的损失，本公司可选择以支付赔款或以修复、重置受损项目的方式予以赔偿，但对保险财产在修复或重置过程中发生的任何变更、性能增加或改进所产生的额外费用，本公司不负责赔偿。?
The Company will, at its own option, indemnify the Insured in respect of loss of or damage to the insured property either by way of payment in cash or by way of repair or replacement of the items lost or damaged; nevertheless, the extra cost of any alterations, additions or improvements occurring in the course of repair or replacement shall not be recoverable under this Policy.?
 
（二）在发生本保险单物质损失项下的损失后，本公司按下列方式确定赔偿金额：?
In case of any loss or damage recoverable under the Section I of the Policy ,  the Company shall ascertain the amount of indemnity on the following basis:?
 
1、可以修复的部分损失——以将保险财产修复至其基本恢复受损前状态的费用扣除残值后的金额为准。但若修复费用等于或超过保险财产损失前的价值时，则按下列第2项的规定处理；?
In case of damage which can be repaired, the Company shall pay the cost of repairs necessary to restore the damaged item to its nearest condition immediately preceding the damage after deducting the salvage value. If, however, the cost of repair equals or exceeds the value of the item immediately before the occurrence of the damage, the settlement shall be made according to the provisions 2.2;?
 
2、全部损失或推定全损——以保险财产损失前的实际价值扣除残值后的金额为准，但本公司有权不接受被保险人对受损财产的委付；?
In case of a total or constructive total loss, the Company shall pay the amount of the actual value of the insured items immediately before the occurrence of the loss shall deduct the salvage value. However, the Company may, at its option, decline the abandonment of any damaged property by the Insured;?
 
3、发生损失后，被保险人为减少损失而采取必要措施所产生的合理费用，本公司可予以赔偿，但本项费用以保险财产的保险金额为限。?
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.
 
（三）本公司赔偿损失后，由本公司出具批单将保险金额从损失发生之日起相应减少，并且不退还保险金额减少部分的保险费。如被保险人要求恢复至原保险金额，应按约定的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比例计算的保险费。?
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.?
 
（四）在发生本保险单第三者责任项下的索赔时：?
In the event of any claim recoverable under the Section Ⅱ of this Policy:?
 
1、未经本公司书面同意，被保险人或其代表对索赔方不得作出任何责任承诺或拒绝、出价、约定、付款或赔偿。在必要时，本公司有权以被保险人的名义接办对任何诉讼的抗辩或索赔的处理；?
No admission, rejection, offer, promise, payment or indemnity shall be made or given by or on behalf of the Insured or his representative if without the written consent of the Company. And the Company shall be entitled, if it so desires, to take over and conduct in the name of the Insured the defence or settlement of any claim;?
 
2、本公司有权以被保险人的名义，为本公司的利益自付费用向任何责任方提出索赔的要求。未经本公司书面同意，被保险人不得接受责任方就有关损失作出的付款或赔偿安排或放弃对责任方的索赔权利，否则，由此引起的后果将由被保险人承担；?
The Company shall be entitled, at its own expense and for its own benefit, to prosecute in the name of the Insured any claim for indemnity against any persons. Without the written consent of the Company, the Insured shall not accept the payment or arrangement of indemnity in respect of the loss or damage offered by any party held responsible for such loss or damage and shall not abandon the right of recovery from such party, otherwise, the Insured shall be liable for any consequence arising therefrom;?
 
3、在诉讼或处理索赔过程中，本公司有权自行处理任何诉讼或解决任何索赔案件，被保险人有义务向本公司提供一切所需的资料和协助。?
The Company shall have full discretion to conduct any proceedings or settle any claim, and the Insured shall give all such information and assistance as the Company may require.?
 
（五）被保险人请求索赔的权利，自其知道或者应当知道保险事故发生之日起二年不行使而消灭。?
The time of validity of a claim under this insurance shall not exceed a period of two years counting from the date of loss.
 
七、被保险人的义务  Ⅶ. INSURED’S OBLIGATIONS
被保险人或其代表应严格履行下列义务：?
The following obligations shall be strictly fulfilled by the Insured and his representative:?
 
（一）在投保时，被保险人及其代表应对投保申请书中列明的事项以及本公司提出的其他事项作出真实、详尽的说明或描述；?
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.?
 
（二）被保险人或其代表应根据本保险单明细表和批单中的规定按期缴付保险费；?
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 Endorsement.?
 
（三）在本保险期限内，被保险人应采取一切合理的预防措施，包括认真考虑并付诸实施本公司代表提出的合理的防损建议，谨慎选用施工人员，遵守一切与施工有关的法规和安全操作规程，由此产生的一切费用，均由被保险人承担；?
During the period of 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 relative to the performance of the project insured.?
 
（四）在发生引起或可能引起本保险单项下索赔的事故时，被保险人或其代表应：?
In the event of any occurrence which gives or might give rise to a claim under this Policy, the Insured or his representative shall:?
 
1、立即通知本公司，并在七天或经本公司书面同意延长的期限内以书面报告提供事故发生的经过、原因和损失程度；?
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;?
 
2、采取一切必要措施防止损失的进一步扩大并将损失减少到最低程度；?
take all necessary measures to avoid aggravation of the loss or damage and minimize it to the least extent;?
 
3、在本公司的代表或检验师进行勘查之前，保留事故现场及有关实物证据；?
preserve the spot affected and defective parts before an inspection is carried out by a representative or surveyor from the Company;?
 
4、在保险财产遭受盗窃或恶意破坏时，立即向公安部门报案；?
inform the Public Security Bureau immediately in case of loss or damage due to theft or burglary or malicious acts;?
 
5、在预知可能引起诉讼时，立即以书面形式通知本公司，并在接到法院传票或其他法律文件后，立即将其送交本公司；?
immediately give notice to the Company in writing whenever having knowledge of any impending prosecution in connection with any accident for which there may be liability under this Policy, and forward to the Company every letter writ, summons or process or other court documents on receipt thereof;?
 
6、根据本公司的要求提供作为索赔依据的所有证明文件、资料和单据。?
furnish all such information and documentary evidence as the Company may require for supporting the claim.?
 
（五）若在某一保险财产中发现的缺陷表明或预示类似缺陷亦存在于其他保险财产中时，被保险人应立即自付费用进行调查并纠正该缺陷。否则，由类似缺陷造成的一切损失应由被保险人自行承担。?
If discovery of a defect in any property insured shall indicate or suggest that similar defect exists in other property insured, the Insured shall, at his own expenses, investigate and rectify forthwith the defect in such other property. Otherwise, all loss or damage arising out of the said defect shall be borne by the Insured.?
 
八、总则Ⅷ. GENERAL CONDITIONS
（一）保单效力?Policy Effect?
被保险人严格地遵守和履行本保险单的各项规定，是本公司在本保险单项下承担赔偿责任的先决条件。?
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.?
 
（二）保单无效?Policy Voidance?
如果被保险人或其代表漏报、错报、虚报或隐瞒有关本保险的实质性内容，则本保险单无效。
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.?
 
（三）保单终止?Policy Termination?
除非经本公司书面同意，本保险单将在下列情况下自动终止：?
Unless its continuance be admitted by the Company in writing, this Policy shall be automatically terminated if:?
 
1、被保险人丧失保险利益；?the insurable interest of the Insured is lost;?
2、承担风险扩大。?the risk of loss or damage is increased.?
本保险单终止后，本公司将按日比例退还被保险人本保险单项下未到期部分的保险费。
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.?
 
（四）权益丧失?Forfeit of Benefit?
如果任何索赔含有虚假成分，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得利益，或任何损失是由被保险人或其代表的故意行为或纵容所致，被保险人将丧失其在本保险单项下的所有权益。对由此产生的包括本公司已支付的赔款在内的一切损失，应由被保险人负责赔偿。?
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.?
 
（五）合理查验?Reasonable Inspection?
本公司的代表有权在任何适当的时候对保险财产的风险情况进行现场查验。被保险人应提供一切便利及本公司要求的用以评估有关风险的详情和资料。但上述查验并不构成本公司对被保险人的任何承诺。?
The representative of the Company 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.?
 
（六）比例赔偿?Average?
在发生本保险物质损失项下的损失时，若受损保险财产的分项或总保险金额低于对应的应保险金额（见四、保险金额），其差额部分视为被保险人所自保，本公司则按本保险单明细表中列明的保险金额与应保险金额的比例负责赔偿。?
If, in the event of loss or damage recoverable under the Section I, it is found that the sums insured in respect of each item insured or total items are less than the amounts required to be insured （see Sun Insured of Article IV）, then the difference shall be regarded as self-insurance by the Insured and the Company shall only be liable to pay such proportion of the claim as the sum insured of the damaged item bears to the amount required to be insured.?
 
（七）重复保险?Double Insurance?
本保险单负责赔偿损失、费用或责任时，若另有其他保障相同的保险存在，不论是否由被保险人或他人以其名义投保，也不论该保险赔偿与否，本公司仅负责按比例分摊赔偿的责任。
Should any loss, damage, expenses or liabilility 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.?
 
（八）权益转让?Subrogation?
若本保险单项下负责的损失涉及其它责任方时，不论本公司是否已赔偿被保险人，被保险人应立即采取一切必要的措施行使或保留向该责任方索赔的权利。在本公司支付赔款后，被保险人应将向该责任方追偿的权利转让给本公司，移交一切必要的单证，并协助本公司向责任方追偿。?
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 assist the Company in pursuing recovery from the responsible party.?
 
（九）争议处理?Dispute?
因履行本保险合同发生争议，由当事人协商解决；协商不成的，由当事人在下列两种方式中选择：?
Should any dispute arise under this Policy, the contracting parties shall settle the dispute through negotiation. In case no agreement is reached, the contracting parties must choose one of the following two dispute settlement means:?
 
（一）    提交保险单载明的仲裁委员会仲裁；
Such dispute shall be submitted to the arbitration committee specified in the Schedule for arbitration.?
 
（二）    向中华人民共和国法院提起诉讼。Legal actions shall be taken in a People's Court.?
 
九、特别条款Ⅸ. SPECIAL PROVISIONS
下列特别条款适用于本保险单的各个部分，若其与本保险单的其它规定相冲突，则以下列特别条款为准。
 The following provisions shall be applied to all parts of this Policy and shall override the other terms and conditions of this Policy if any conflict arises.?