金融合同:财产保险合同格式(涉外英文)(合同资产属于金融资产)

propertyinsuranceclauses wholedoc. i.thepropertyinsured thepropertyinsuredshallrefertoallpropertiesand expenses spe-cifiedinthescheduleofthispolicy. unlessspecificallyagreeduponinwritingbetweentheinsuredandthecompanyandappraisedandvalue-establishedbyprofessionalsorassessors,thefollowingarticlesandtheexpenses relevant thereto shall not becoveredunderthispolicy: 1.gold,silver,pearls,diamonds,preciousstonesandjades; 2.antiques,articlesofvirtue, ancient coins, ancient books andancientpaintings; 3.worksofartorpostagestamps; 4.advertisements,aerials,neon,piecesofsolarenergyapparatusetc.onbuildings; 5.computersystemrecordsoritsmakingandcopyingcosts. undernocirc umstancesshallthefollowingarticles relevant theretobecoveredhereunder: 1.guns,ammunitionorexplosives; 2.banknotes,securities,bills,documents,files, account books ordrawings; 3.animals,plantsandagriculturalcrops; 4.mobilephones,portablecomputers,removable photograph apparatusorotherpreciousarticles; 5.vehicleslicensedforgeneraltransportuse. ii.scopeofcover thecompanyshallindemnifytheinsuredin respect of the physicallossofordamagetotheinsuredpropertystatedin the schedule duringtheperiodofinsurancedirectlyarisingfromthefollowingperils: 1.fire; 2.explosion; butnotincludingexplosionof a boiler or other pressure reliefdevices; 3.lightning; 4.hurr icane,typhoonandtornado; 5.storm,tempestandflood; butnotincludinglossordamagecaused by change in normal waterlevelorinundationfromseawaterorwaterescape or leakage from thenormalconfinesofanynaturalwatercourse,lakeorreservoir, canal ordamaswellaslossofordamagetotheinsuredpropertycausedby storm,tempestorfloodwhilebeingstoredintheopenorcoveredbyor under ashedthatchedwithreeds,tarpaulins, straw, asphalt felt, plastic ornylonsheet; 6.hailstorm; 7.landslide,rockslide,avalanche; 8.volcanicexplosion; 9.subsidenceofground; but not including loss or damage resulting from pile driving,groundworkorexcavation; 10.crashingaircraftandpartsorarticlesfallingfromaircraft andotherflyingobjects; 11.burstingofwate rtankorpipe; butnotincludingburstingofwatertankorpipeduetorust. iii.exclusions thiscompanyshallnotbeliablefor: 1.lossofordamagetotheinsuredproperty or expenses caused byintentionalactorgrossnegligenceoftheinsuredorhisrepresentative; 2.lossofordamageto the insured property caused and expensesincurredbyearthquakeortsunami; 3.depreciation,lossofmarket,lossofuseand other consequentiallossesofanydescription; 4.lossofordamagetothe insured property or expenses incurredarising from war, warlike operation, hostilities, armed conflicts,terrorism,conspiracyinsurrection,coupd'etat,strike,riot, and civilcommotion; 5.confiscation,requisition,destructionordamagebyany action or orderofanygovernmentdejureordefactoorbyanypublicauthorities; 6.lossofordamagetoinsuredpropertydirectlyorindirectlycausedorexpensesincurredbynuclearfission,nuclearfusion, nuclear weapon,nuclearmaterial,nuclearradiationandradioactivecontamination; 7.lossordamagecausedandexpensesincurred by pollution of anykind or description whatsoever such as atmosphere, land and waterpollutionsbutthisdoesnotincludelossordamage caused by pollutionarisingfromperilsspecifiedinarticleiithepolicy; 8.thedeductiblesstatedinthescheduletobebornebytheinsured; 9.lossordamagearisingfromanyotherperilsnotlistedin articleiiofthispolicy. iv.treatmentofclaim 1.thecompanyshallatitsoption,indemnifytheinsured in respectoflossordamagefallingwithinthescope of cove r of the policy byeither: 1.1payingtheamountoftheactualvalue of the property lost ordamagedor; 1.2payingthenecessarycostofrepairingor restoring the damagedpropertytoitsnearestconditionimmediatelyprecedingthedamageor; 1.3repairingorrestoringthedamagedpropertytoaconditionneartootherpropertyoflikekindandquality. 2.indemnityunderthispolicyshallbebasedupon the sound marketvalueofthepropertyprevailingatthetimeofloss.ifthesound marketvalueofthedamagedpropertyis lower than the sum insured of suchproperty,theclaimshallbesettledonitsmarket value; if the soundmarketvalueofthepropertyisinexcessofthesuminsured,the companyshallonlybeliableforsuchproportionoftheclaimasthe sum insuredofthedamagedpropertybearstoitssoundmarketvalue. if the insuredpropertyenumeratedinthesched uleismorethanoneitem, the provisionofthisclauseshallapplytoeachthereof. 3.ifaclaimforlossofordamagetotheinsureditemissettled onatotallossbasis,thesalvagevalueofsuchitemshallbededucted fromtheindemnitypayablebythecompany.the company may, at its option,declinetheabandonmentofanydamagedpropertybytheinsured. 4.intheeventoflossofordamageto any equipment item insuredformingpartofapairorset,thecompanyshallnotbeliablein respectofeachofsuchitemlostordamagedformorethanitsproportionate partofthesuminsuredonthecompletepairorset. 5.intheeventofanylossoccurrence,thecompanyshallalsopaytheinsuredfortheexpensesreasonablyincurredfortakingnecessarymeasurestominimizelossordamagetotheleastextent,butinnocaseshall suchexpensesreferredheretoexceedthesuminsuredoftheinsuredproperty. 6.uponsettlementofaclaim,anendorsementshallbeissued by thecompanytoreducet hesuminsuredcorrespondingtothe property lost ordamagedbytheamountsosettledfromthedateof loss, and no premiumshallberefundedfortheamountsoreduced.ifreinstatementof the suminsuredisrequiredbythe insured upon settlement of the claim, anadditionalpremiumforthereinstatedamountshallbechargedatanagreedrate,andbecalculatedonproratadailybasisfromthedateof loss totheexpiryoftheinsurance. 7.thetimeofvalidityofaclaim under this insurance shall notexceedaperiodoftwoyearcountingfromthedateofloss. v.insured'sobligations thefollowingobligationsshallbestrictlyfulfilledby the insuredandhisrepresentative: 1.theinsuredandhisrepresentative, when applying for insuranceshallmaketrueanswersordescriptionstothequestionsin the proposalandquestion naireortoanyotherquestionsraisedbythecompany. 2.theinsuredandhisrepresentativeshallpaytothecompanyin duecoursetheagreedpremiuminthemannerasprovidedin the schedule andendorsements. 3.duringtheperiodofthisinsurance,theinsuredshallat his ow …… 此处隐藏：8692字，全部文档内容请下载后查看。喜欢就下载吧 ……