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财产保险合同格式 (中英文)
PROPERTY INSURANCE CLAUSES

财产保险合同格式（涉外）	PROPERTY INSURANCE CLAUSES
一、保险财产	I. THE PROPERTY INSURED
保险财产指在本保险单明细表中列明的财产及费用。	The property insured shall refer to all properties and expenses specified in the Schedule of this Policy.
经被保险人特别申请，并经本公司书面同意，下列物品及费用经专业人员或公估部门鉴定并确定价值后，亦可作为保险财产：	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:
（一）金银、珠宝、钻石、玉器；	1. Gold, silver, pearls, diamonds, precious stones and jades;
（二）古玩、古币、古书、古画；	2. Antiques, articles of virtue, ancient coins, ancient books and ancient paintings;
（三）艺术作品、邮票；	3. Works of art or postage stamps;
（四）建筑物上的广告、天线、霓虹灯、太阳能装置等；	4. Advertisements, aerials, neon, pieces of solar energy apparatus etc. on buildings;
（五）计算机资料及其制作、复制费用。	5. Computer system records or its making and copying costs.
下列物品一律不得作为保险财产：	Under no circumstances shall the following articles relevant thereto be covered hereunder:
（一）枪支弹药、爆炸物品；	1. Guns, ammunition or explosives;
（二）现钞、有价证券、票据、文件、档案、帐册、图纸；	2. Banknotes, securities, bills, documents, files, account books or drawings;
（三）动物、植物、农作物；	3. Animals, plants and agricultural crops;
（四）便携式通讯装置、电脑设备、照相摄像器材及其他贵重物品；	4. Mobile phones, portable computers, removable photograph apparatus or other precious articles;

（五）用于公共交通的车辆。	5. Vehicles licensed for general transport use.
二、责任范围	II. SCOPE OF COVER
在本保险期限内，若本保险单明细表中列明的保险财产因以下列明的风险造成的直接物质损坏或灭失（以下简称“损失”），本公司同意按照本保险单的规定负责赔偿。	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:
（一）火灾；	1. Fire;
（二）爆炸，但不包括锅炉爆炸；	2. Explosion; but not including explosion of a boiler or other pressure relief devices;
（三）雷电；	3. Lightning;
（四）飓风、台风、龙卷风；	4. Hurricane, typhoon and tornado;
（五）风暴、暴雨、洪水	5. Storm, tempest and flood;
但不包括正常水位变化、海水倒灌及水库、运河、堤坝在正常水位线以下的排水和渗漏，亦不包括由于风暴、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的保险财产的损失；	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;
（六）冰雹；	6. Hailstorm;
（七）地崩、山崩、雪崩；	7. Landslide, rockslide, avalanche;
（八）火山爆发；	8. Volcanic explosion;
（九）地面下陷下沉，但不包括由于打桩、地下作业及挖掘作业引起的地面下陷下沉；	9. Subsidence of ground; but not including loss or damage resulting from pile driving, groundwork or excavation;
（十）飞机坠毁、飞机部件或飞行物体坠落；	10. Crashing aircraft and parts or articles falling from aircraft and other flying objects;
（十一）水箱、水管爆裂，但不包括由于锈蚀引起水箱、水管爆裂。	11. Bursting of water tank or pipe; but not including bursting of water tank or pipe due to rust.
三、除外责任	III. EXCLUSIONS
本公司对下列各项不负责赔偿：	This Company shall not be liable for:
（一）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和费用；	1. Loss of or damage to the insured property or expenses caused by intentional act or gross negligence of the Insured or his representative;
（二）地震、海啸引起的损失和费用；	2. Loss of or damage to the insured property caused and expenses incurred by earthquake or tsunami;
（三）贬值、丧失市场或使用价值等其他后果损失；	3. Depreciation, loss of market, loss of use and other consequential losses of any description;
（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、暴动、民众骚乱引起的损失和费用；	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;
（五）政府命令或任何公共当局的没收、征用、销毁或毁坏；	5. Confiscation, requisition, destruction or damage by any action or order of any government dejure or defacto or by any public authorities;
（六）核裂变、核聚变、核武器、核材料、核幅射以及放射性污染引起的任何损失和费用；	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;
（七）大气、土地、水污染及其他各种污染引起的任何损失和费用，但不包括由于本保险单第二条责任范围列明的风险造成的污染引起的损失；	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;
（八）本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；	8. The deductibles stated in the Schedule to be borne by the Insured;
（九）其他不属于本保险单第二条责任范围列明的风险引起的损失。	9. Loss or damage arising from any other perils not listed in Article II of this Policy.
四、赔偿处理	IV. TREATMENT OF CLAIM
（一）如果发生本保险责任范围内的损失，本公司选择下列方式赔偿：	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．按受损财产的价值赔偿；	1.1 paying the amount of the actual value of the property lost or damaged or;
２．赔付受损财产基本恢复原状的修理、修复费用；	1.2 paying the necessary cost of repairing or restoring the damaged property to its nearest condition immediately preceding the damage or;
３．修理、恢复受损财产，使之达到与同类财产基本一致的状况。	1.3 repairing or restoring the damaged property to a condition near to other property of like kind and quality.
（二）受损财产的赔偿按损失当时的市价计算。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的比例计算。如本保险所载项目不止一项时，赔款按本规定逐项计算。	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.
（三）保险项目发生损失后，如本公司按全部损失赔付，其残值应在赔款中扣除，本公司有权不接受被保险人对受损财产的委付。	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.
（四）任何属于成对或成套的项目，若发生损失，本公司的赔偿责任不超过该受损项目在所属整对或整套项目的保险金额中所占的比例。	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.
（五）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。	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.
（六）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。	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.
（七）被保险人的索赔期限，从损失发生之日起，不得超过两年。	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.
五、被保险人的义务	V. INSURED`S OBLIGATIONS
被保险人及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）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真实、详尽的说明或描述；	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.
（二）被保险人及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；	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.
（三）在保险期限内，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，由此产生的一切费用，均由被保险人承担；	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.
（四）在发生引起或可能引起本保险单项下索赔的损失时，被保险人及其代表应：	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:
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提供事故发生的经过，原因和损失程度；	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;
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；	4.2 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；	4.3 preserve the spot affected and defective parts before an inspection is carried out by a representative or surveyor from the Company;
４．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。	4.4 furnish all such information and documentary evidence as the Company may require for supporting the claim.
六、总则	VI. GENERAL CONDITIONS
（一）保单效力	1. 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 fulfillment 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	2. 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 avoidable 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	3. 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；	3.1 the insurable interest of the Insured is lost;
２．承保风险扩大。	3.2 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）保单注销	4. Policy Cancellation
被保险人可随时书面申请注销本保险单，本公司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的保险费，前者本公司按短期费率计收，后者按日比例计收。	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.
（五）权益丧失	5. 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取利益，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偿在内的一切损失，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.
（六）合理查验	6. 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.
（七）重复保险	7. 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 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.
（八）权益转让	8. Subrogation
若本保险单项下负责的损失涉及其他责任方时，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。在本公司支付赔偿后，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	9. Dispute
被保险人与本公司之间的一切有关本保险的争议应通过友好协商解决。如果协商不成，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。	All disputes under this insurance arising between the Insured and the Company shall be settled through friendly negotiations. Where the two parties fail to reach an agreement after negotiations, such dispute shall be submitted to arbitration or to court for legal actions. Unless otherwise agreed, such arbitration or legal action shall be carried out in the place where the defendant is domiciled.
七、特别条款	VII. 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他规定相冲突，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.
财产保险单	PROPERTY INSURANCE POLICY
保险单号码：	Policy No.:
鉴于本保险单明细表中列明的被保险人向＿＿＿＿＿＿保险公司（以下简称“本公司”）提交书面投保申请和有关资料（该投保申请及资料被视作本保险单的有效组成部分），并向本公司缴付了本保险单明细表中列明的保险费，本公司同意按本保险单的规定负责赔偿在本保险单明细表中列明的保险期限内被保险人的保险财产遭受的损坏或灭失，特立本保险单为凭。	WHEREAS THE INSURED named in the Schedule hereto has made to the ______ Insurance Company (hereinafter called "the Company") a written Proposal which together with any other statements made by the insured for the purpose of this Policy is deemed to be incorporated herein and has paid to the Company the premium stated in the Schedule.NOW THIS POLICY OF INSURANCE WITNESSES that subject to the terms and conditions contained herein or endorsed hereon the Company shall indemnify the insured for the loss or damage sustained during the period of insurance stated in the Schedule in the manner and to the extent hereinafter provided.
＿＿＿＿＿＿保险公司	By the ________ Insurance Company
＿＿＿＿＿＿授权签字	_________________________ Authorised Signature
签发日期：＿＿年＿＿月＿＿日	Date of Issue:
签发地点：	Place of Issue:
明细表	SCHEDULE
保险单号码：	Policy No.:
一、被保险人名称和地址：	1. Name and Address of the Insured 1.1 The Insured: 1.2 Address:
二、保险财产地址：	2. Location of the Property Insured:
三、营业性质：	3. Nature of Trade:
四、保险项目及保险金额	4. Insured Items and Sums Insured:
项目保险金额	Insured Items Sums Insured
（一）保险财产	4.1 Property Insured
１．建筑物（包括装修）：	4.1.1 Building(s) (including decoration):
２．机器设备：	4.1.2 Machinery and Equipment:
３．装置、家俱及办公设施或用品：	4.1.3 Furniture and Fixture:(including office equipment and supplies)
４．仓储物品：	4.1.4 Stock:
５．其他：	4.1.5 Others:
（二）附加费用	4.2 Additional Expenses:
１．清除残骸费用：	4.2.1 Removal of Debris fees:
２．灭火费用：	4.2.2 Fire Extinguishing Expenses:
３．专业费用：	4.2.3 Professional Fees:
４．其他费用：	4.2.4 Other Expenses:
总保险金额：	Total Sum Insured:
五、每次事故免赔额：	5. Deductible (any one accident):
六、保险期限：共＿＿＿个月。	6. Period of Insurance: ___ months.
自＿＿＿年＿＿月＿＿日零时起，至＿＿＿年＿＿月＿＿日二十四时止。	From 00:00 of _________ to 24:00 hours of ______
七、保险费率：	7. Premium Rate:
总保险费：	Total Premium:
八、付费日期：	8.Date of Payment:
九、司法管辖	9.Jurisdiction:
本保险单受中华人民共和国的司法管辖	This Policy is governed by law of the People’s Republic of China.
十、特别条款	10.Special Provisions:
财产险保单明细表	PROPERTY INSURANCE POLICY`S SCHEDULE
＿＿＿＿＿＿保险公司	_________ Insurance Company

财产保险合同格式 (中英文)

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