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财产保险合同格式英文版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?以下是我给大家整理的商务英语合同:财产保险合同格式英文版,盼望可以帮到大家
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
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