財(cái)產(chǎn)保險(xiǎn)合同樣本(涉外)

精品文檔精心整理精品文檔可編輯的精品文檔財(cái)產(chǎn)保險(xiǎn)合同樣本(涉外)目錄：1、財(cái)產(chǎn)保險(xiǎn)合同樣本(涉外)2、財(cái)產(chǎn)保險(xiǎn)合同格式(涉外)doc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)人特別申請(qǐng)，并經(jīng)本公司書(shū)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(shū)、古畫(huà)；（三）藝術(shù)作品、郵票；（四）建筑物上的廣告、天線、霓虹燈、太陽(yáng)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(cè)、圖紙；（三）動(dòng)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(jiǎn)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(tái)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(kù)、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)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(duì)下列各項(xiàng)不負(fù)責(zé)賠償：（一）被保險(xiǎn)人及其代表的故意行為或重大過(guò)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(chǎng)或使用價(jià)值等其他后果損失；（四）戰(zhàn)爭(zhēng)、類似戰(zhàn)爭(zhēng)行為、敵對(duì)行為、武裝沖突、恐怖活動(dòng)、謀反、政變、罷工、暴動(dòng)、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(méi)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）如果發(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：１．按受損財(cái)產(chǎn)的價(jià)值賠償；２．賠付受損財(cái)產(chǎn)基本恢復(fù)原狀的修理、修復(fù)費(fèi)用；３．修理、恢復(fù)受損財(cái)產(chǎn)，使之達(dá)到與同類財(cái)產(chǎn)基本一致的狀況。（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)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)不接受被保險(xiǎn)人對(duì)受損財(cái)產(chǎn)的委付。（四）任何屬于成對(duì)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(guò)該受損項(xiàng)目在所屬整對(duì)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，并且不退還保險(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(guò)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(duì)投保申請(qǐng)書(shū)中列明的事項(xiàng)以及本公司提出的其他事項(xiàng)作真實(shí)、詳盡的說(shuō)明或描述；（二）被保險(xiǎn)人及其代表應(yīng)根據(jù)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)：１．立即通知本公司，并在七天或經(jīng)本公司書(shū)面同意延長(zhǎng)的期限內(nèi)以書(shū)面提供事故發(fā)生的經(jīng)過(guò)，原因和損失程度；２．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；３．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(chǎng)及有關(guān)實(shí)物證據(jù)；４．根據(jù)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(wú)效如果被保險(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(wú)效。（三）保單終止除非經(jīng)本公司書(shū)面同意，本保險(xiǎn)單將在下列情況下自動(dòng)終止：１．被保險(xiǎn)人喪失保險(xiǎn)利益；２．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)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(shū)面申請(qǐng)注銷本保險(xiǎn)單，本公司亦可提前十五天通知被保險(xiǎn)人注銷本保險(xiǎn)單。對(duì)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)益喪失如果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)下獲取利益，或任何損失是由被保險(xiǎn)人或其代表的故意行為或縱容所致，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(duì)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(chǎng)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評(píng)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(duì)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(zhēng)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(zhēng)議應(yīng)通過(guò)友好協(xié)商解決。如果協(xié)商不成，可申請(qǐng)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、特別條款下列特別條款適用于本保險(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，則以下列特別條款為準(zhǔn)。財(cái)產(chǎn)保險(xiǎn)單保險(xiǎn)單號(hào)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(jiǎn)稱“本公司”）提交書(shū)面投保申請(qǐng)和有關(guān)資料（該投保申請(qǐng)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)表保險(xiǎn)單號(hào)碼：一、被保險(xiǎn)人名稱和地址：二、保險(xiǎn)財(cái)產(chǎn)地址：三、營(yíng)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)１．建筑物（包括裝修）：２．機(jī)器設(shè)備：３．裝置、家俱及辦公設(shè)施或用品：４．倉(cāng)儲(chǔ)物品：５．其他：（二）附加費(fèi)用１．清除殘骸費(fèi)用：２．滅火費(fèi)用：３．專業(yè)費(fèi)用：４．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(guó)的司法管轄十、特別條款財(cái)產(chǎn)險(xiǎn)保單明細(xì)表＿＿＿＿＿＿保險(xiǎn)公司PROPERTYINSURANCECLAUSESWholeDoc.I.THEPROPERTYINSUREDThepropertyinsuredshallrefertoallpropertiesandexpensesspe-cifiedintheScheduleofthisPolicy.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,portablecomputers,removablephotographapparatusorotherpreciousarticles;5.vehicleslicensedforgeneraltransportuse.II.SCOPEOFCOVERTheCompanyshallindemnifytheInsuredinrespectofthephysicallossofordamagetotheinsuredpropertystatedintheScheduleduringtheperiodofinsurancedirectlyarisingfromthefollowingperils: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.EXCLUSIONSThisCompanyshallnotbeliablefor:1.lossofordamagetotheinsuredpropertyorexpensescausedbyintentionalactorgrossnegligenceoftheInsuredorhisrepresentative;2.lossofordamagetotheinsuredpropertycausedandexpensesincurredbyearthquakeortsunami;3.depreciation,lossofmarket,lossofuseandotherconsequentiallossesofanydescription;4.lossofordamagetotheinsuredpropertyorexpensesincurredarisingfromwar,warlikeoperation,hostilities,armedconflicts,terrorism,conspiracyinsurrection,coupd'etat,strike,riot,andcivilcommotion;5.confiscation,requisition,destructionordamagebyanyactionororderofanygovernmentdejureordefactoorbyanypublicauthorities;6.lossofordamagetoinsuredpropertydirectlyorindirectlycausedorexpensesincurredbynuclearfission,nuclearfusion,nuclearweapon,nuclearmaterial,nuclearradiationandradioactivecontamination;7.lossordamagecausedandexpensesincurredbypollutionofanykindordescriptionwhatsoeversuchasatmosphere,landandwaterpollutionsbutthisdoesnotincludelossordamagecausedbypollutionarisingfromPERILSspecifiedinArticleIIthePolicy;8.thedeductiblesstatedintheScheduletobebornebytheInsured;9.lossordamagearisingfromanyotherperilsnotlistedinArticleIIofthisPolicy.IV.TREATMENTOFCLAIM1.TheCompanyshallatitsoption,indemnifytheInsuredinrespectoflossordamagefallingwithintheScopeofCoverofthePolicybyeither:1.1payingtheamountoftheactualvalueofthepropertylostordamagedor;1.2payingthenecessarycostofrepairingorrestoringthedamagedpropertytoitsnearestconditionimmediatelyprecedingthedamageor;1.3repairingorrestoringthedamagedpropertytoaconditionneartootherpropertyoflikekindandquality.2.IndemnityunderthisPolicyshallbebaseduponthesoundmarketvalueofthepropertyprevailingatthetimeofloss.Ifthesoundmarketvalueofthedamagedpropertyislowerthanthesuminsuredofsuchproperty,theclaimshallbesettledonitsmarketvalue;Ifthesoundmarketvalueofthepropertyisinexcessofthesuminsured,theCompanyshallonlybeliableforsuchproportionoftheclaimasthesuminsuredofthedamagedpropertybearstoitssoundmarketvalue.IftheinsuredpropertyenumeratedintheScheduleismorethanoneitem,theprovisionofthisclauseshallapplytoeachthereof.3.Ifaclaimforlossofordamagetotheinsureditemissettledonatotallossbasis,thesalvagevalueofsuchitemshallbedeductedfromtheindemnitypayablebytheCompany.TheCompanymay,atitsoption,declinetheabandonmentofanydamagedpropertybytheInsured.4.Intheeventoflossofordamagetoanyequipmentiteminsuredformingpartofapairorset,theCompanyshallnotbeliableinrespectofeachofsuchitemlostordamagedformorethanitsproportionatepartofthesuminsuredonthecompletepairorset.5.Intheeventofanylossoccurrence,theCompanyshallalsopaytheInsuredfortheexpensesreasonablyincurredfortakingnecessarymeasurestominimizelossordamagetotheleastextent,butinnocaseshallsuchexpensesreferredheretoexceedthesuminsuredoftheinsuredproperty.6.Uponsettlementofaclaim,anendorsementshallbeissuedbytheCompanytoreducethesuminsuredcorrespondingtothepropertylostordamagedbytheamountsosettledfromthedateofloss,andnopremiumshallberefundedfortheamountsoreduced.IfreinstatementofthesuminsuredisrequiredbytheInsureduponsettlementoftheclaim,anadditionalpremiumforthereinstatedamountshallbechargedatanagreedrate,andbecalculatedonproratadailybasisfromthedateoflosstotheexpiryoftheinsurance.7.Thetimeofvalidityofaclaimunderthisinsuranceshallnotexceedaperiodoftwoyearcountingfromthedateofloss.V.INSURED'SOBLIGATIONSThefollowingObligationsshallbestrictlyfulfilledbytheInsuredandhisrepresentative:1.TheInsuredandhisrepresentative,whenapplyingforinsuranceshallmaketrueanswersordescriptionstothequestionsintheProposalandQuestionnaireortoanyotherquestionsraisedbytheCompany.2.TheInsuredandhisrepresentativeshallpaytotheCompanyinduecoursetheagreedpremiuminthemannerasprovidedintheScheduleandEndorsements.3.Duringtheperiodofthisinsurance,theInsuredshallathisownexpensetakeallreasonableprecautions,includingpayingsufficientattentiontoandputtingintopracticethereasonablerecommendationsoftheCompany,prudentlyselectingtheworkmenandemployeesandcomplyingwithallstatutoryregulationsandsafetyoperationprocedures.4.IntheeventofanyoccurrencewhichgivesormightgiverisetoaclaimunderthisPolicy,theInsuredorhisrepresentativeshall:4.1notifytheCompanyimmediatelyandwithinseven(7)daysoranyfurtherperiodasmaybeagreedbytheCompanyinwriting,furnishawrittenreporttoindicatethecourse,probablereasonandextentoflossordamage;4.2takeallnecessarymeasurestoavoidaggravationofthelossordamageandminimizeittotheleastextent;4.3preservethespotaffectedanddefectivepartsbeforeaninspectioniscarriedoutbyarepresentativeorsurveyorfromtheCompany;4.4furnishallsuchinformationanddocumentaryevidenceastheCompanymayrequireforsupportingtheclaim.VI.GENERALCONDITIONS1.PolicyEffectThedueobservanceandfulfilmentofthetermsandconditionsofthisPolicyinsofarastheyrelatetoanythingtobedoneorcompliedwithbytheInsuredshallbeaconditionprecedenttoanyliabilityoftheCompanyunderthisPolicy.2.PolicyVoidanceThisPolicyshallbevoidableintheeventofmisrepresentation,misdescriptionornon-disclosuremadebytheInsuredorhisrepresentativeinanymaterialparticularinrespectofthisinsurance.3.PolicyTerminationUnlessitscontinuancebeadmittedbytheCompanyinwriting,thisPolicyshallbeautomaticallyterminatedif:3.1theinsurableinterestoftheInsuredislost;3.2theriskoflossordamageisincreased.AfterterminationofthePolicy,thepremiumshallberefundedtotheInsuredcalculatedonproratadailybasisfortheperiodfromthedateofterminationtothedateofexpiry.4.PolicyCancellationThisPolicymaybecanceledatanytimeattherequestoftheInsuredinwritingorattheoptionoftheCompanybygivingafifteen(15)dayspriornoticetotheInsured.IntheformercasetheCompanyshallretainapremiumcalculatedonshorttermratebasisforthetimethePolicyhasbeeninforcewhileinthelattercasesuchpremiumshallbecalculatedonproratadailybasis.5.ForfeitofBenefitIftheclaimisinanyrespectfraudulent,orifanyfraudulentmeansordevicesareusedbytheInsuredorhisrepresentativetoobtainanybenefitunderthisPolicyorifanylossordamageisoccasionedbytheintentionalactorintheconnivanceoftheInsuredorhisrepresentative,theninanyofthesecases,alltherightsandbenefitsoftheInsuredunderthisPolicyshallbeforfeited,andallconsequentlossesarisingtherefromincludingtheamountofclaimpaidbytheCompanyshallbeindemnifiedbytheInsured.6.ReasonableInspectionTherepresentativeoftheCompanyshallatanysuitabletimebeentitledtoattendthesiteandinspectorexaminetheriskexplosureofthepropertyinsured.Forthispurpose,theInsuredshallprovidefullassistanceandalldetailsandinformationrequiredbytheCompanyasmaybenecessaryfortheassessmentoftherisk.TheabovementionedinspectionorexaminationshallinnocircumstancesbeheldasanyadmissiontotheInsuredbytheCompany.7.DoubleInsuranceShouldanyloss,damage,expensesorliabilityrecoverableunderthePolicybealsocoveredbyanyotherinsurance,theCompanyshallonlybeliabletopayorcontributehisproportionoftheclaimirrespectiveastowhethertheotherinsuranceisarrangedbytheInsuredorothersonhisbehalf,orwhetheranyindemnificationisobtainableundersuchotherinsurance.8.SubrogationWhereathirdpartyshallbeheldresponsibleforthelossordamagecoveredunderthisPolicy,theInsuredshall,whetherbeingindemnifiedbytheCompanyornot,takeallnecessarymeasurestoenforceorreservetherightofrecoveryagainstsuchthirdparty,anduponbeingindemnifiedbytheCompany,subrogatetotheCompanyalltherightofrecovery,transferallnecessarydocumentstoandassisttheCompanyinpursuingrecoveryfromtheresponsibleparty.9.DisputeAlldisputesunderthisinsurancearisingbetweentheInsuredandtheCompanyshallbesettledthroughfriendlynegotiations.Wherethetwopartiesfailtoreachanagreementafternegotiations,suchdisputeshallbesubmittedtoarbitrationortocourtforlegalactions.Unlessotherwiseagreed,sucharbitrationorlegalactionshallbecarriedoutintheplacewherethedefendantisdomiciled.VII.SPECIALPROVISIONSThefollowingprovisionsshallbeappliedtoallpartsofthisPolicyandshalloverridetheothertermsandconditionsofthisPolicyifanyconflictarises.PROPERTYINSURANCEPOLICYPolicyNo.:WHEREASTHEINSUREDnamedintheScheduleheretohasmadetothe______InsuranceCompany(hereinaftercalled"theCompany")awrittenProposalwhichtogetherwithanyotherstatementsmadebytheinsuredforthepurposeofthisPolicyisdeemedtobeincorporatedhereinandhaspaidtotheCompanythepremiumstatedintheSchedule.NOWTHISPOLICYOFINSURANCEWITNESSESthatsubjecttothetermsandconditionscontainedhereinorendorsedhereontheCompanyshallindemnifytheinsuredforthelossordamagesustainedduringtheperiodofinsurancestatedintheScheduleinthemannerandtotheextenthereinafterprovided.Bythe________InsuranceCompany_________________________AuthorisedSignatureDateofIssue:PlaceofIssue:SCHEDULEPolicyNo.:1.NameandAddressoftheInsured1.1TheInsured:1.2Address:2.LocationofthePropertyInsured:3.NatureofTrade:4.InsuredItemsandSumsInsured:InsuredItemsSumsInsured4.1PropertyInsured4.1.1Building(s)(includingdecoration):4.1.2MachineryandEquipment:4.1.3FurnitureandFixture:(includingofficeequipmentandsupplies)4.1.4Stock:4.1.5Others:4.2AdditionalExpenses:4.2.1RemovalofDebrisfees:4.2.2FireExtinguishingExpenses:4.2.3ProfessionalFees:4.2.4OtherExpenses:TotalSumInsured:5.Deductible(anyoneaccident):6.PeriodofInsurance:___months.from00:00of_________to24:00hoursof______7.PremiumRate:TotalPremium:8.DateofPayment:9.Jurisdiction:ThisPolicyisgovernedbylawofthePeople'sRepublicofChina.10.SpecialProvisions:PROPERTYINSURANCEPOLICY'SSCHEDULE_________InsuranceCompany精品文檔精心整理精品文檔可編輯的精品文檔財(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)人特別申請(qǐng)，并經(jīng)本公司書(shū)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(shū)、古畫(huà)；（三）藝術(shù)作品、郵票；（四）建筑物上的廣告、天線、霓虹燈、太陽(yáng)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(cè)、圖紙；（三）動(dòng)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(jiǎn)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(tái)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(kù)、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)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(duì)下列各項(xiàng)不負(fù)責(zé)賠償：（一）被保險(xiǎn)人及其代表的故意行為或重大過(guò)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(chǎng)或使用價(jià)值等其他后果損失；（四）戰(zhàn)爭(zhēng)、類似戰(zhàn)爭(zhēng)行為、敵對(duì)行為、武裝沖突、恐怖活動(dòng)、謀反、政變、罷工、暴動(dòng)、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(méi)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）如果發(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：１．按受損財(cái)產(chǎn)的價(jià)值賠償；２．賠付受損財(cái)產(chǎn)基本恢復(fù)原狀的修理、修復(fù)費(fèi)用；３．修理、恢復(fù)受損財(cái)產(chǎn)，使之達(dá)到與同類財(cái)產(chǎn)基本一致的狀況。（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)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)不接受被保險(xiǎn)人對(duì)受損財(cái)產(chǎn)的委付。（四）任何屬于成對(duì)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(guò)該受損項(xiàng)目在所屬整對(duì)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，并且不退還保險(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(guò)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(duì)投保申請(qǐng)書(shū)中列明的事項(xiàng)以及本公司提出的其他事項(xiàng)作真實(shí)、詳盡的說(shuō)明或描述；（二）被保險(xiǎn)人及其代表應(yīng)根據(jù)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)：１．立即通知本公司，并在七天或經(jīng)本公司書(shū)面同意延長(zhǎng)的期限內(nèi)以書(shū)面提供事故發(fā)生的經(jīng)過(guò)，原因和損失程度；２．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；３．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(chǎng)及有關(guān)實(shí)物證據(jù)；４．根據(jù)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(wú)效如果被保險(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(wú)效。（三）保單終止除非經(jīng)本公司書(shū)面同意，本保險(xiǎn)單將在下列情況下自動(dòng)終止：１．被保險(xiǎn)人喪失保險(xiǎn)利益；２．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)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(shū)面申請(qǐng)注銷本保險(xiǎn)單，本公司亦可提前十五天通知被保險(xiǎn)人注銷本保險(xiǎn)單。對(duì)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)益喪失如果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)下獲取利益，或任何損失是由被保險(xiǎn)人或其代表的故意行為或縱容所致，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(duì)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(chǎng)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評(píng)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(duì)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(zhēng)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(zhēng)議應(yīng)通過(guò)友好協(xié)商解決。如果協(xié)商不成，可申請(qǐng)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、特別條款下列特別條款適用于本保險(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，則以下列特別條款為準(zhǔn)。財(cái)產(chǎn)保險(xiǎn)單保險(xiǎn)單號(hào)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(jiǎn)稱“本公司”）提交書(shū)面投保申請(qǐng)和有關(guān)資料（該投保申請(qǐng)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)表保險(xiǎn)單號(hào)碼：一、被保險(xiǎn)人名稱和地址：二、保險(xiǎn)財(cái)產(chǎn)地址：三、營(yíng)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)１．建筑物（包括裝修）：２．機(jī)器設(shè)備：３．裝置、家俱及辦公設(shè)施或用品：４．倉(cāng)儲(chǔ)物品：５．其他：（二）附加費(fèi)用１．清除殘骸費(fèi)用：２．滅火費(fèi)用：３．專業(yè)費(fèi)用：４．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(guó)的司法管轄十、特別條款財(cái)產(chǎn)險(xiǎn)保單明細(xì)表＿＿＿＿＿＿保險(xiǎn)公司PROPERTYINSURANCECLAUSESWholeDoc.I.THEPROPERTYINSUREDThepropertyinsuredshallrefertoallpropertiesandexpensesspe-cifiedintheScheduleofthisPolicy.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,portablecomputers,removablephotographapparatusorotherpreciousarticles;5.vehicleslicensedforgeneraltransportuse.II.SCOPEOFCOVERTheCompanyshallindemnifytheInsuredinrespectofthephysicallossofordamagetotheinsuredpropertystatedintheScheduleduringtheperiodofinsurancedirectlyarisingfromthefollowingperils: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.EXCLUSIONSThisCompanyshallnotbeliablefor:1.lossofordamagetotheinsuredpropertyorexpensescausedbyintentionalactorgrossnegligenceoftheInsuredorhisrepresentative;2.lossofordamagetotheinsuredpropertycausedandexpensesincurredbyearthquakeortsunami;3.depreciation,lossofmarket,lossofuseandotherconsequentiallossesofanydescription;4.lossofordamagetotheinsuredpropertyorexpensesincurredarisingfromwar,warlikeoperation,hostilities,armedconflicts,terrorism,conspiracyinsurrection,coupd'etat,strike,riot,andcivilcommotion;5.confiscation,requisition,destructionordamagebyanyactionororderofanygovernmentdejureordefactoorbyanypublicauthorities;6.lossofordamagetoinsuredpropertydirectlyorindirectlycausedorexpensesincurredbynuclearfission,nuclearfusion,nuclearweapon,nuclearmaterial,nuclearradiationandradioactivecontamination;7.lossordamagecausedandexpensesincurredbypollutionofanykindordescriptionwhatsoeversuchasatmosphere,landandwaterpollutionsbutthisdoesnotincludelossordamagecausedbypollutionarisingfromPERILSspecifiedinArticleIIthePolicy;8.thedeductiblesstatedintheScheduletobebornebytheInsured;9.lossordamagearisingfromanyotherperilsnotlistedinArticleIIofthisPolicy.IV.TREATMENTOFCLAIM1.TheCompanyshallatitsoption,indemnifytheInsuredinrespectoflossordamagefallingwithintheScopeofCoverofthePolicybyeither:1.1payingtheamountoftheactualvalueofthepropertylostordamagedor;1.2payingthenecessarycostofrepairingorrestoringthedamagedpropertytoitsnearestconditionimmediatelyprecedingthedamageor;1.3repairingorrestoringthed