財(cái)產(chǎn)保險(xiǎn)合同范本

1、 財(cái)產(chǎn)保險(xiǎn)合同格式（涉外） 一、保險(xiǎn)財(cái)產(chǎn) 保險(xiǎn)財(cái)產(chǎn)指在本保險(xiǎn)單明細(xì)表中列明的財(cái)產(chǎn)及費(fèi)用。 經(jīng)被保險(xiǎn)人特不申請，并經(jīng)本公司書面同意，下列物品及費(fèi)用經(jīng)專業(yè)人員或公估部門鑒定并確定價(jià)值后，亦可作為保險(xiǎn)財(cái)產(chǎn)： （一）金銀、珠寶、鉆石、玉器； （二）古玩、古幣、古書、古畫； （三）藝術(shù)作品、郵票； （四）建筑物上的廣告、天線、霓虹燈、太陽能裝置等； （五）計(jì)算機(jī)資料及其制作、復(fù)制費(fèi)用。 下列物品一律不得作為保險(xiǎn)財(cái)產(chǎn)： （一）槍支彈藥、爆炸物品； （二）現(xiàn)鈔、有價(jià)證券、票據(jù)、文件、檔案、帳冊、圖紙； （三）動物、植物、農(nóng)作物； （四）便攜式通訊裝置、電腦設(shè)備、照相攝像器材及其他貴重物品； （五）用于公共交

2、通的車輛。 二、責(zé)任范圍 在本保險(xiǎn)期限內(nèi)，若本保險(xiǎn)單明細(xì)表中列明的保險(xiǎn)財(cái)產(chǎn)因以下列明的風(fēng)險(xiǎn)造成的直接物質(zhì)損壞或滅失（以下簡稱“損失”），本公司同意按照本保險(xiǎn)單的規(guī)定負(fù)責(zé)賠償。 （一）火災(zāi)； （二）爆炸，但不包括鍋爐爆炸； （三）雷電； （四）颶風(fēng)、臺風(fēng)、龍卷風(fēng)； （五）風(fēng)暴、暴雨、洪水 但不包括正常水位變化、海水倒灌及水庫、運(yùn)河、堤壩在正常水位線以下的排水和滲漏，亦不包括由于風(fēng)暴、暴雨或洪水造成存放在露天或使用蘆席、蓬布、茅草、油毛氈、塑料膜或尼龍等作罩棚或覆蓋的保險(xiǎn)財(cái)產(chǎn)的損失； （六）冰雹； （七）地崩、山崩、雪崩； （八）火山爆發(fā)； （九）地面下陷下沉，但不包括由于打樁、地下作業(yè)及挖掘作業(yè)

3、引起的地面下陷下沉； （十）飛機(jī)墜毀、飛機(jī)部件或飛行物體墜落； （十一）水箱、水管爆裂，但不包括由于銹蝕引起水箱、水管爆裂。 三、除外責(zé)任 本公司對下列各項(xiàng)不負(fù)責(zé)賠償： （一）被保險(xiǎn)人及其代表的有意行為或重大過失引起的任何損失和費(fèi)用； （二）地震、海嘯引起的損失和費(fèi)用； （三）貶值、喪失市場或使用價(jià)值等其他后果損失； （四）戰(zhàn)爭、類似戰(zhàn)爭行為、敵對行為、武裝沖突、恐懼活動、謀反、政變、罷工、暴動、民眾騷亂引起的損失和費(fèi)用； （五）政府命令或任何公共當(dāng)局的沒收、征用、銷毀或毀壞； （六）核裂變、核聚變、核武器、核材料、核幅射以及放射性污染引起的任何損失和費(fèi)用； （七）大氣、土地、水污染及其他各種

4、污染引起的任何損失和費(fèi)用，但不包括由于本保險(xiǎn)單第二條責(zé)任范圍列明的風(fēng)險(xiǎn)造成的污染引起的損失； （八）本保險(xiǎn)單明細(xì)表或有關(guān)條款中規(guī)定的應(yīng)由被保險(xiǎn)人自行負(fù)擔(dān)的免賠額； （九）其他不屬于本保險(xiǎn)單第二條責(zé)任范圍列明的風(fēng)險(xiǎn)引起的損失。 四、賠償處理 （一）假如發(fā)生本保險(xiǎn)責(zé)任范圍內(nèi)的損失，本公司選擇下列方式賠償： 按受損財(cái)產(chǎn)的價(jià)值賠償； 賠付受損財(cái)產(chǎn)差不多恢復(fù)原狀的修理、修復(fù)費(fèi)用； 修理、恢復(fù)受損財(cái)產(chǎn)，使之達(dá)到與同類財(cái)產(chǎn)差不多一致的狀況。 （二）受損財(cái)產(chǎn)的賠償按損失當(dāng)時(shí)的市價(jià)計(jì)算。市價(jià)低于保險(xiǎn)金額時(shí)，賠償按市價(jià)計(jì)算；市價(jià)高于保險(xiǎn)金額時(shí)，賠償按保險(xiǎn)金額與市價(jià)的比例計(jì)算。如本保險(xiǎn)所載項(xiàng)目不止一項(xiàng)時(shí)，賠款按本規(guī)

5、定逐項(xiàng)計(jì)算。 （三）保險(xiǎn)項(xiàng)目發(fā)生損失后，如本公司按全部損失賠付，其殘值應(yīng)在賠款中扣除，本公司有權(quán)不同意被保險(xiǎn)人對受損財(cái)產(chǎn)的委付。 （四）任何屬于成對或成套的項(xiàng)目，若發(fā)生損失，本公司的賠償責(zé)任不超過該受損項(xiàng)目在所屬整對或整套項(xiàng)目的保險(xiǎn)金額中所占的比例。 （五）發(fā)生損失后，被保險(xiǎn)人為減少損失而采取必要措施所產(chǎn)生的合理費(fèi)用，本公司可予以賠償，但本項(xiàng)費(fèi)用以保險(xiǎn)財(cái)產(chǎn)的保險(xiǎn)金額為限。 （六）本公司賠償損失后，由本公司出具批單將保險(xiǎn)金額從損失發(fā)生之日起相應(yīng)減少，同時(shí)不退還保險(xiǎn)金額減少部分的保險(xiǎn)費(fèi)。如被保險(xiǎn)人要求恢復(fù)至原保險(xiǎn)金額，應(yīng)按約定的保險(xiǎn)費(fèi)率加繳恢復(fù)部分從損失發(fā)生之日起至保險(xiǎn)期限終止之日止按日比例計(jì)算的

6、保險(xiǎn)費(fèi)。 （七）被保險(xiǎn)人的索賠期限，從損失發(fā)生之日起，不得超過兩年。 五、被保險(xiǎn)人的義務(wù) 被保險(xiǎn)人及其代表應(yīng)嚴(yán)格履行下列義務(wù)： （一）投保時(shí)，被保險(xiǎn)人及其代表應(yīng)對投保申請書中列明的事項(xiàng)以及本公司提出的其他事項(xiàng)作真實(shí)、詳盡的講明或描述； （二）被保險(xiǎn)人及其代表應(yīng)依照本保險(xiǎn)單明細(xì)表和批單中的規(guī)定按期繳付保險(xiǎn)費(fèi)； （三）在保險(xiǎn)期限內(nèi)，被保險(xiǎn)人應(yīng)采取一切合理的預(yù)防措施，包括認(rèn)真考慮并付諸實(shí)施本公司代表提出的合理的防損建議，由此產(chǎn)生的一切費(fèi)用，均由被保險(xiǎn)人承擔(dān)； （四）在發(fā)生引起或可能引起本保險(xiǎn)單項(xiàng)下索賠的損失時(shí)，被保險(xiǎn)人及其代表應(yīng)： 立即通知本公司，并在七天或經(jīng)本公司書面同意延長的期限內(nèi)以書面提供事故

7、發(fā)生的通過，緣故和損失程度； 采取一切必要措施防止損失的進(jìn)一步擴(kuò)大并將損失減少到最低程度； 在本公司的代表或檢驗(yàn)師進(jìn)行勘查之前，保留事故現(xiàn)場及有關(guān)實(shí)物證據(jù)； 依照本公司的要求提供作為索賠依據(jù)的所有證明文件、資料和單據(jù)。 六、總則 （一）保單效力 被保險(xiǎn)人嚴(yán)格地遵守和履行本保險(xiǎn)單的各項(xiàng)規(guī)定，是本公司在本保險(xiǎn)單項(xiàng)下承擔(dān)賠償責(zé)任的先決條件。 （二）保單無效 假如被保險(xiǎn)人或其代表漏報(bào)、錯(cuò)報(bào)、虛報(bào)或隱瞞有關(guān)本保險(xiǎn)的實(shí)質(zhì)性內(nèi)容，則本保險(xiǎn)單無效。 （三）保單終止 除非經(jīng)本公司書面同意，本保險(xiǎn)單將在下列情況下自動終止： 被保險(xiǎn)人喪失保險(xiǎn)利益； 承保風(fēng)險(xiǎn)擴(kuò)大。 本保險(xiǎn)單終止后，本公司將按日比例退還被保險(xiǎn)人本保險(xiǎn)

8、單項(xiàng)下未到期部分的保險(xiǎn)費(fèi)。 （四）保單注銷 被保險(xiǎn)人可隨時(shí)書面申請注銷本保險(xiǎn)單，本公司亦可提早十五天通知被保險(xiǎn)人注銷本保險(xiǎn)單。對本保險(xiǎn)單已生效期間的保險(xiǎn)費(fèi)，前者本公司按短期費(fèi)率計(jì)收，后者按日比例計(jì)收。 （五）權(quán)益喪失 假如任何索賠含有虛假成分，或被保險(xiǎn)人或其代表在索賠時(shí)采取欺詐手段企圖在本保險(xiǎn)單項(xiàng)下獵取利益，或任何損失是由被保險(xiǎn)人或其代表的有意行為或縱容所致，被保險(xiǎn)人將喪失其在本保險(xiǎn)單項(xiàng)下的所有權(quán)益。對由此產(chǎn)生的包括本公司已支付的賠償在內(nèi)的一切損失，應(yīng)由被保險(xiǎn)人負(fù)責(zé)賠償。 （六）合理查驗(yàn) 本公司的代表有權(quán)在任何適當(dāng)?shù)臅r(shí)候?qū)ΡｋU(xiǎn)財(cái)產(chǎn)的風(fēng)險(xiǎn)情況進(jìn)行現(xiàn)場查驗(yàn)。被保險(xiǎn)人應(yīng)提供一切便利及本公司要求的用以

9、評估有關(guān)風(fēng)險(xiǎn)的詳情和資料。但上述查驗(yàn)并不構(gòu)成本公司對被保險(xiǎn)人的任何承諾。 （七）重復(fù)保險(xiǎn) 本保險(xiǎn)單負(fù)責(zé)賠償損失、費(fèi)用或責(zé)任時(shí)，若另有其他保障相同的保險(xiǎn)存在，不論是否由被保險(xiǎn)人或他人以其名義投保，也不論該保險(xiǎn)賠償與否，本公司僅負(fù)責(zé)按比例分?jǐn)傎r償?shù)呢?zé)任。 （八）權(quán)益轉(zhuǎn)讓 若本保險(xiǎn)單項(xiàng)下負(fù)責(zé)的損失涉及其他責(zé)任方時(shí)，不論本公司是否已賠償被保險(xiǎn)人，被保險(xiǎn)人應(yīng)立即采取一切必要的措施行使或保留向該責(zé)任方索賠的權(quán)利。在本公司支付賠償后，被保險(xiǎn)人應(yīng)將向該責(zé)任方追償?shù)臋?quán)利轉(zhuǎn)讓給本公司，移交一切必要的單證，并協(xié)助本公司向責(zé)任方追償。 （九）爭議處理 被保險(xiǎn)人與本公司之間的一切有關(guān)本保險(xiǎn)的爭議應(yīng)通過友好協(xié)商解決。假如

10、協(xié)商不成，可申請仲裁或向法院提出訴訟。除事先另有協(xié)議外，仲裁或訴訟應(yīng)在被告方所在地進(jìn)行。 七、特不條款 下列特不條款適用于本保險(xiǎn)單的各個(gè)部分，若其與本保險(xiǎn)單的其他規(guī)定相沖突，則以下列特不條款為準(zhǔn)。 財(cái)產(chǎn)保險(xiǎn)單 保險(xiǎn)單號碼： 鑒于本保險(xiǎn)單明細(xì)表中列明的被保險(xiǎn)人向保險(xiǎn)公司（以下簡稱“本公司”）提交書面投保申請和有關(guān)資料（該投保申請及資料被視作本保險(xiǎn)單的有效組成部分），并向本公司繳付了本保險(xiǎn)單明細(xì)表中列明的保險(xiǎn)費(fèi)，本公司同意按本保險(xiǎn)單的規(guī)定負(fù)責(zé)賠償在本保險(xiǎn)單明細(xì)表中列明的保險(xiǎn)期限內(nèi)被保險(xiǎn)人的保險(xiǎn)財(cái)產(chǎn)遭受的損壞或滅失，特立本保險(xiǎn)單為憑。 保險(xiǎn)公司 授權(quán)簽字 簽發(fā)日期：年月日 簽發(fā)地點(diǎn)： 明 細(xì) 表 保

11、險(xiǎn)單號碼： 一、被保險(xiǎn)人名稱和地址： 二、保險(xiǎn)財(cái)產(chǎn)地址： 三、營業(yè)性質(zhì)： 四、保險(xiǎn)項(xiàng)目及保險(xiǎn)金額 項(xiàng) 目 保險(xiǎn)金額 （一）保險(xiǎn)財(cái)產(chǎn) 建筑物（包括裝修）： 機(jī)器設(shè)備： 裝置、家俱及辦公設(shè)施或用品： 倉儲物品： 其他： （二）附加費(fèi)用 清除殘骸費(fèi)用： 滅火費(fèi)用： 專業(yè)費(fèi)用： 其他費(fèi)用： 總保險(xiǎn)金額： 五、每次事故免賠額： 六、保險(xiǎn)期限：共個(gè)月。 自年月日零時(shí)起，至年月日二十四時(shí)止。 七、保險(xiǎn)費(fèi)率： 總保險(xiǎn)費(fèi)： 八、付費(fèi)日期： 九、司法管轄 本保險(xiǎn)單受中華人民共和國的司法管轄 十、特不條款 財(cái)產(chǎn)險(xiǎn)保單明細(xì)表 保險(xiǎn)公司 PROPERTY INSURANCE CLAUSES Whole Doc. I.

12、THE PROPERTY INSURED The property insured shall refer to all properties and expenses spe-cified in the Schedule of this Policy. Unless specifically agreed upon in writing between the Insured and theCompany and appraised and value-established by professionals or assessors,the following articles and t

13、he expenses relevant thereto shall not becovered under this Policy: 1. gold, silver, pearls, diamonds, precious stones and jades; 2. antiques, articles of virtue, ancient coins, ancient books andancient paintings; 3. works of art or postage stamps; 4. advertisements, aerials, neon, pieces of solar e

14、nergy apparatusetc. on buildings; 5. computer system records or its making and copying costs. Under no circumstances shall the following articles relevant theretobe covered hereunder: 1. guns, ammunition or explosives; 2. banknotes, securities, bills, documents, files, account books ordrawings; 3. a

15、nimals, plants and agricultural crops; 4. mobile phones, portable computers, removable photograph apparatusor other precious articles; 5. vehicles licensed for general transport use. II. SCOPE OF COVER The Company shall indemnify the Insured in respect of the physicalloss of or damage to the insured

16、 property stated in the Schedule duringthe period of insurance directly arising from the following perils: 1. fire; 2. explosion; but not including explosion of a boiler or other pressure reliefdevices; 3. lightning; 4. hurricane, typhoon and tornado; 5. storm, tempest and flood; but not including l

17、oss or damage caused by change in normal waterlevel or inundation from sea water or water escape or leakage from thenormal confines of any natural water course, lake or reservoir, canal ordam as well as loss of or damage to the insured property caused by storm,tempest or flood while being stored in

18、the open or covered by or under ashed thatched with reeds, tarpaulins, straw, asphalt felt, plastic ornylon sheet; 6. hailstorm; 7. landslide, rockslide, avalanche; 8. volcanic explosion; 9. subsidence of ground; but not including loss or damage resulting from pile driving,groundwork or excavation;

19、10. crashing aircraft and parts or articles falling from aircraft andother flying objects; 11. bursting of water tank or pipe; but not including bursting of water tank or pipe due to rust. III. EXCLUSIONS This Company shall not be liable for: 1. loss of or damage to the insured property or expenses

20、caused byintentional act or gross negligence of the Insured or his representative; 2. loss of or damage to the insured property caused and expensesincurred by earthquake or tsunami; 3. depreciation, loss of market, loss of use and other consequentiallosses of any description; 4. loss of or damage to

21、 the insured property or expenses incurredarising from war, warlike operation, hostilities, armed conflicts,terrorism, conspiracy insurrection, coup detat, strike, riot, and civilcommotion; 5. confiscation, requisition, destruction or damage by any action ororder of any government de jure or de fact

22、o or by any public authorities; 6. loss of or damage to insured property directly or indirectly causedor expenses incurred by nuclear fission, nuclear fusion, nuclear weapon,nuclear material, nuclear radiation and radioactive contamination; 7. loss or damage caused and expenses incurred by pollution

23、 of anykind or description whatsoever such as atmosphere, land and waterpollutions but this does not include loss or damage caused by pollutionarising from PERILS specified in Article II the Policy; 8. the deductibles stated in the Schedule to be borne by the Insured; 9. loss or damage arising from

24、any other perils not listed in ArticleII of this Policy. IV. TREATMENT OF CLAIM 1. The Company shall at its option, indemnify the Insured in respectof loss or damage falling within the Scope of Cover of the Policy byeither: 1.1 paying the amount of the actual value of the property lost ordamaged or;

25、 1.2 paying the necessary cost of repairing or restoring the damagedproperty to its nearest condition immediately preceding the damage or; 1.3 repairing or restoring the damaged property to a condition near toother property of like kind and quality. 2. Indemnity under this Policy shall be based upon

26、 the sound marketvalue of the property prevailing at the time of loss. If the sound marketvalue of the damaged property is lower than the sum insured of suchproperty, the claim shall be settled on its market value; If the soundmarket value of the property is in excess of the sum insured, the Company

27、shall only be liable for such proportion of the claim as the sum insuredof the damaged property bears to its sound market value. If the insuredproperty enumerated in the Schedule is more than one item, the provisionof this clause shall apply to each thereof. 3. If a claim for loss of or damage to th

28、e insured item is settled ona total loss basis, the salvage value of such item shall be deducted fromthe indemnity payable by the Company. The Company may, at its option,decline the abandonment of any damaged property by the Insured. 4. In the event of loss of or damage to any equipment item insured

29、forming part of a pair or set, the Company shall not be liable in respectof each of such item lost or damaged for more than its proportionate partof the sum insured on the complete pair or set. 5. In the event of any loss occurrence, the Company shall also pay theInsured for the expenses reasonably

30、incurred for taking necessary measuresto minimize loss or damage to the least extent, but in no case shall suchexpenses referred hereto exceed the sum insured of the insured property. 6. Upon settlement of a claim, an endorsement shall be issued by theCompany to reduce the sum insured corresponding

31、to the property lost ordamaged by the amount so settled from the date of loss, and no premiumshall be refunded for the amount so reduced. If reinstatement of the suminsured is required by the Insured upon settlement of the claim, anadditional premium for the reinstated amount shall be charged at an

32、agreedrate, and be calculated on pro rata daily basis from the date of loss tothe expiry of the insurance. 7. The time of validity of a claim under this insurance shall notexceed a period of two year counting from the date of loss. V. INSUREDS OBLIGATIONS The following Obligations shall be strictly

33、fulfilled by the Insuredand his representative: 1. The Insured and his representative, when applying for insuranceshall make true answers or descriptions to the questions in the Proposaland Questionnaire or to any other questions raised by the Company. 2. The Insured and his representative shall pay

34、 to the Company in duecourse the agreed premium in the manner as provided in the Schedule andEndorsements. 3. During the period of this insurance, the Insured shall at his ownexpense take all reasonable precautions, including paying sufficientattention to and putting into practice the reasonable rec

35、ommendations ofthe Company, prudently selecting the workmen and employees and complyingwith all statutory regulations and safety operation procedures. 4. In the event of any occurrence which gives or might give rise to aclaim under this Policy, the Insured or his representative shall: 4.1 notify the

36、 Company immediately and within seven (7) days or anyfurther period as may be agreed by the Company in writing, furnish awritten report to indicate the course, probable reason and extent of lossor damage; 4.2 take all necessary measures to avoid aggravation of the loss ordamage and minimize it to th

37、e least extent; 4.3 preserve the spot affected and defective parts before aninspection is carried out by a representative or surveyor from theCompany; 4.4 furnish all such information and documentary evidence as theCompany may require for supporting the claim. VI. GENERAL CONDITIONS 1. Policy Effect

38、 The due observance and fulfilment of the terms and conditions of thisPolicy in so far as they relate to anything to be done or complied with bythe Insured shall be a condition precedent to any liability of the Companyunder this Policy. 2. Policy Voidance This Policy shall be voidable in the event o

39、f misrepresentation,misdescription or non-disclosure made by the Insured or his representativein any material particular in respect of this insurance. 3. Policy Termination Unless its continuance be admitted by the Company in writing, thisPolicy shall be automatically terminated if: 3.1 the insurabl

40、e interest of the Insured is lost; 3.2 the risk of loss or damage is increased. After termination of the Policy, the premium shall be refunded to theInsured calculated on pro rata daily basis for the period from the date oftermination to the date of expiry. 4. Policy Cancellation This Policy may be

41、canceled 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 apremium calculated on short term rate basis for the time the Policy hasbeen in force while in the latter

42、 case such premium shall be calculated onpro rata daily basis. 5. Forfeit of Benefit If the claim is in any respect fraudulent, or if any fraudulent meansor devices are used by the Insured or his representative to obtain anybenefit under this Policy or if any loss or damage is occasioned by theinten

43、tional act or in the connivance of the Insured or his representative,then in any of these cases, all the rights and benefits of the Insuredunder this Policy shall be forfeited, and all consequent losses arisingtherefrom including the amount of claim paid by the Company shall beindemnified by the Ins

44、ured. 6. Reasonable Inspection The representative of the Company shall at any suitable time beentitled to attend the site and inspect or examine the risk explosure ofthe property insured. For this purpose, the Insured shall provide fullassistance and all details and information required by the Compa

45、ny as maybe necessary for the assessment of the risk. The above mentionedinspection or examination shall in no circumstances be held as anyadmission to the Insured by the Company. 7. Double Insurance Should any loss, damage, expenses or liability recoverable under thePolicy be also covered by any ot

46、her insurance, the Company shall only beliable to pay or contribute his proportion of the claim irrespective as towhether the other insurance is arranged by the Insured or others on hisbehalf, or whether any indemnification is obtainable under such otherinsurance. 8. Subrogation Where a third party

47、shall be held responsible for the loss or damagecovered under this Policy, the Insured shall, whether being indemnified bythe Company or not, take all necessary measures to enforce or reserve theright of recovery against such third party, and upon being indemnified bythe Company, subrogate to the Co

48、mpany all the right of recovery, transferall necessary documents to and assist the Company in pursuing recoveryfrom the responsible party. 9. Dispute All disputes under this insurance arising between the Insured and theCompany shall be settled through friendly negotiations. Where the twoparties fail

49、 to reach an agreement after negotiations, such dispute shallbe submitted to arbitration or to court for legal actions. Unlessotherwise agreed, such arbitration or legal action shall be carried out inthe place where the defendant is domiciled. VII. SPECIAL PROVISIONS The following provisions shall be applied to all parts of this Policyand shall override the other terms and c