财产保险合同格式英文版

1、财产保险合同格式英文版财产是重要之物，不能允许有任何的差错，那么关于财产保险的英文合同格 式是怎么样的？以下是小编给大家整理的商务英语合同：财产保险合同格式英文版，希望可以帮到大家I. THE PROPERTY INSUREDThe property in sured shall refer to all properties and expe nsesspecified in the Schedule of this Policy.Uni ess specifically agreed upon in writ ing betwee n the In sured andthe Company

2、 and appraised and value-established by professionals or assessors, the followi ng articles and the expe nses releva nt thereto shall not be covered un der this Policy:1. Gold, silver, pearls, diam on ds, precious stones and jades;2. An tiques, articles of virtue, ancient coins, an cie nt books anda

3、n cie nt paintin gs;3. Works of art or postage stamps;4. Advertiseme nts, aerials, neon, pieces of solar en ergy apparatusetc. on build in gs;5. Computer system records or its making and copy ing costs.Un der no circumsta nces shall the follow ingarticlesreleva nt theretobe covered here un der:1. Gu

4、ns, ammun iti on or explosives;2. Bankno,tes, securities, bills, documents, files, account books or draw in gs;3. Ani mals, pla nts and agricultural crops;4. Mobile phones, portable computers, removable photograph apparatus or other precious articles;5. Vehicles lice nsed for gen eral tran sport use

5、.II. SCOPE OF COVERThe Compa ny shall indemnify the In sured in respect of the physical loss of or damage to the in sured property stated in the Schedule duri ng the period of in sura nee directly aris ing from the followi ng perils:1. Fire;2. Explosi on;but not in cludi ng explosi on of a boiler or

6、 other pressure relief devices;3. Light ning;4. Hurrica ne, typho on and torn ado;5. Storm, tempest and flood;but not including loss or damagecaused by change in normal water level or inun dati on from sea water or water escape or leakage from the no rmal confines of any n aturalwater course, lake o

7、r reservoir, canal or dam aswell as loss of or damageto the insured property caused by storm, tempest or flood while being stored in the ope n or covered by or un der a shed thatched with reeds, tarpauli ns, straw, asphalt felt, plastic or nylon sheet;6. Hailstorm;7. Lan dslide, rockslide, avala nch

8、e;8. Volca nic explosi on;9. Subside nee of ground;but not includingloss or damage resultingfrom pile driving,groun dwork or excavati on;10. Crashing aircraft and parts or articles falling from aircraft and other flying objects;11. Bursti ng of water tank or pipe;but not in cludi ng bursti ng of wat

9、er tank or pipe due to rust.III. EXCLUSIONSThis Compa ny shall not be liable for:1. Loss of or damage to the in sured property or expe nses caused byintentionalact or gross negligenee of the Insured or his representative;2. Loss of or damage to the in sured property caused and expe nsesin eurred by

10、earthquake or tsun ami;3. Depreeiation,loss of market, loss of use and other eonsequentiallosses of any deseriptio n;4. Loss of or damage to the in sured property or expe nses in eurredarising from war, warlikeoperation,hostilities, armed eonfliets,terrorism,eonspiraey insurreetion,eoup d'etat,

11、strike, riot, and eivil文章来源网，仅供分享学习参考eommoti on;5. Confiseation,requisition,order of any government de jure or6. Loss of or damageto insureddestruetionor damageby any aetion orde faeto or by any publie authorities; property direetly or indireetlyeausedor expenses ineurred by nuelear fission,nuelear

12、fusion, nuelear weapon, nu elear material, nu elear radiati on and radioaetive eon tami natio n;7. Loss or damage eaused and expe nses in eurred by pollutio n of anykind or deseription whatsoever sueh as atmosphere, land and water polluti ons but this does not in elude loss or damage eaused by pollu

13、ti onarising from PERILS speeified in Artiele II the Poliey;8. The deduetibles stated in the Sehedule to be borne by the Insured;9. Loss or damagearising from any other perils not listed in ArtieleII of this Poliey.IV. TREATMENT OF CLAIM1. The Companyshall at its option, indemnify the Insured in res

14、peet of loss or damagefalling within the Seope of Cover of the Poliey by either:1.1 pay ing the amount of the aetual value of the property lost or damaged or;1.2 pay ing the n eeessary eost of repairi ng or restori ng the damaged property to its n earest con diti on immediately preced ing the damage

15、 or;1.3 repairi ng or restori ng the damaged property to a con diti on n earto other property of like kind and quality.2. Indemn ity un der this Policy shall be based upon the sound marketvalue of the property prevailingat the time of loss. If the sound marketvalue of the damaged property is lower t

16、ha n the sum in sured of such property, the claim shall be settled on its market value;lf the sound market value of the property is in excess of the sum insured, the Company shall only be liable for such proporti on of the claim as the sum in sured of the damaged property bears to its sound market v

17、alue. If the in sured 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 in sured item is settledon a total loss basis, the salvage value of such item shall be deductedfrom the in dem nity pay

18、able by the Compa ny .The Compa nymay, at its opti on, decli ne the aba ndonment of any damaged property by the In sured.4. In the eve nt of loss of or damage to any equipme nt item in suredforming part of a pair or set, the Companyshall not be liable in respect of each of such item lost or damagedf

19、or more tha n its proporti on ate part of the sum in sured on the complete pair or set.5. In the eve nt of any loss occurre nee, the Compa ny shall also paythe In sured for the expe nses reas on ably in curred for tak ing n ecessary measures to minimize loss or damage to the least extent, but in no

20、case shall such expenses referred hereto exceed the suminsured of the insured property.6. Upon settlement of a claim, an endorsement shall be issued by the Compa ny to reduce the sum in sured corresp onding to the property lost or damaged by the amount so settled from the date of loss, and no premiu

21、mshall be refunded forthe amount so reduced. If reinstatementof the sum in sured is required by the In sured upon settleme nt of the claim, anadditi onal premium for the rein stated amount shall be charged at an agreed rate, and be calculated on pro rata daily basis from the date of loss to the expi

22、ry of the in sura nee.7. The time of validity of a claim un der this in sura nee shall notexceed a period of two year counting from the date of loss.V. INSURED'S OBLIGATIONSThe followingObligations shall be strictly fulfilled by the Insuredand his represe ntative:1. The In sured and his represe

23、ntative, whe n appl ying for in sura nceshall make true answers or descriptions to the questions in the Proposal and Questio nn aire or to any other questi ons raised by the Compa ny.2. The Insured and his representativeshall pay to the Companyn duecourse the agreed premium in the manner as provided

24、 in the Schedule andEn dorseme nts.3. During the period of this in sura nce, the In sured shall at his own expe nse take all reas on able precauti ons, in clud ing pay ing sufficie ntatte nti on to and putt ing into practice the reas on able recomme ndati ons of the Company,prudently selecting the w

25、orkmenand employees and complying with all statutory regulati ons and safety operati on procedures.4. In the eve nt of any occurre nce which gives or might give rise toa claim under this Policy, the Insured or his representative shall:4.1 no tify the Compa ny immediately and withi n seve n (7)days o

26、r anyfurther period as may be agreed by the Compa ny in writi ng, furnish awritten report to indicate the course, probable reason and extent of loss or damage;4.2 take all n ecessary measures to avoid aggravati on of the loss ordamage and mini mize it to the least exte nt;4.3 preserve the spot affec

27、ted and defective parts before an 文章来源网，仅供分享学习参考inspection is carried out by a representative or surveyor from the Company;4.4 furnish all such in formati on and docume ntary evide nee as theCompa ny may require for support ing the claim.VI. GENERAL CONDITIONS1. Policy EffectThe due observanee and f

28、ulfilmentof the terms and conditions of thisPolicy in so far as they relate to anything to be done or complied withby the In sured shall be a con diti on precede nt to any liability of theCompa ny un der this Policy.2. Policy Voida neeThis Policy shall be voidable in the eve nt of misreprese ntati o

29、n,misdescription ornon-disclosuremade by theInsuredor hisreprese ntative in any material particular in respect of this in sura nee.3. Policy Termin ati onUn less its con ti nuance be admitted by the Compa ny in writi ng, thisPolicy shall be automatically term in ated if:3.1 the in surable in terest

30、of the In sured is lost;3.2 the risk of loss or damage is in creased.After term in ati onof the Policy, the premium shall be refun ded to theInsured calculated on pro rata daily basis for the period from the dateof term in ati on to the date of expiry.4. Policy Can cellatio nThis Policy may be cance

31、led at any time at the request of the Insuredin writing or at the option of the Company by giving a fifteen (15) daysprior 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 bee n in force while in the latter c

32、ase such premium shall be calculated on pro rata daily basis.5. Forfeit of Ben efitIf the claim is in any respect fraudulent,or if any fraudulentmeans or devices are used by the In sured or his represe ntative to obta in any ben efit un der this Policy or if any loss or damage is occasi oned by the

33、intentional act or in the connivance of the Insured or his representative, then in any of these cases, all the rights and ben efits of the In sured under this Policy shall be forfeited, and all consequent losses arising therefrom including the amount of claim paid by the Company shall be indemni fie

34、d by the In sured.6. Reas on able In specti onThe represe ntative of the Compa ny shall at any suitable time been titled to atte nd thesite and in spector exam ine the risk explosure ofthe property in sured. For this purpose, the In sured shall provide full assistanee and all details and information

35、required by the Companyas maybe necessary for the assessment of the risk. The above mentioned in specti onor exam in ati on shall in no circumsta nces be held as anyadmissi on to the In sured by the Compa ny.7. Double In sura neeShould any loss, damage, expenses or liability recoverable under the Po

36、licy be also covered by any other in sura nee, the Compa ny shall only be liable to pay or con tribute his proporti on of the claim irrespective as to whether the other in sura nee is arran ged by the In sured or others on his behalf, or whether any indemn ificati on is obta in able un der such othe

37、r in sura nee.8. Subrogati onWhere a third party shall be held resp on sible 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 upo

38、n being indemnified by the Compa ny, subrogate to the Compa ny all the right of recovery,tran sfer all n ecessary docume nts to and assist the Compa ny in pursu ing recovery from the resp on sible party.9. DisputeAll disputes un der this in sura nee aris ing betwee n the In sured and the Compa ny sh

39、all be settled through frie ndly n egotiati ons. Where the two parties fail to reach an agreement after negotiations,such dispute shallbe submitted to arbitrati onor to court for legal acti ons.Uni essotherwise agreed, such arbitration or legal action shall be carried out in the place where the defe

40、 ndant is domiciled.VII. SPECIAL PROVISIONSThe following provisions shall be applied to all parts of this Policy and shall override the other terms and conditions of this Policy if any con flict arises.PROPERTY INSURANCE POLICYPolicy No.:WHEREAHEINSUREBamedin the Schedule hereto has madeto the In sura nee Compa ny (here in after called "the Compa ny") a writte n Proposal which together with any other stateme nts made by the in sured for the purpose of this Policy is deemed to